Cca Requests Updates Please

Broken_hearted

stapeley wrote: »

REALLY GOOD NEWS ! From the CAG site . After several months of letters and threats , a Credit Card Company have given up 1 day before a court case . They had only supplied a illegible copy of a application form. It just goes to show you need to be firm in your stance . Illegible copies of applications forms are NOT COMPLIANT to a request under the terms of the CC ACT.

Expect the debt to be sold on and this time next month a DCA to be chasing you.

kennyvinegar

Hi everyone - update on my Cahoot loan cca situation.....(after i'd sent the 12+2+30 letter and stopped my direct debit), they phoned me up asking to make payment, so I told them I had sent them the letter and that i would not be paying the DD anymore (she tried to tell me I was in the wrong but I wasnt having it), anyway she said she would chase it up with customer services. So a couple of days ago I finally received my cca BUT it does not state whether I opted for PPI when I applied. It only says about ticking a box to request PPI if you hadn't applied online. Of course I had applied online, and so of course I hadn't ticked the PPI box.

How am I meant to know if I supposedly opted for PPI (which i'm 99% sure i wouldn't knowingly do)? Has anyone else had this problem or challenged Cahoot about this? They haven't hassled me for this payment as yet but I'm sure they will do. I'd be grateful for some advice on this, thanks.

rog2

Broken_hearted wrote: »

Expect the debt to be sold on and this time next month a DCA to be chasing you.

Not necessarily, BH - and if it is 'sold on' then the creditor is, in fact, breaking the law by passing on the personal details of the 'debtor' after having 'defaulted' by not providing the cca.

GeorgeUK

asn - this thread goes into detail about the CCA request. There are templates available on the board too.
http://forums.moneysavingexpert.com/showthread.html?t=578486

stapeley

Broken_hearted wrote: »

Expect the debt to be sold on and this time next month a DCA to be chasing you.

Another positive response from BH . The person in question had done the CCA REQUEST and after the 12+2+30 the DEFAULT letter . I understand at the 11th hour the C CARD COMPANY AGREED TO PULL OUT OF COURT ACTION AND AGREED THE ACCOUNT WAS NOW CLOSED .

asn_2

GeorgeUK wrote: »

asn - this thread goes into detail about the CCA request. There are templates available on the board too.
http://forums.moneysavingexpert.com/showthread.html?t=578486

i had a look at the other thread but found no answer to my query. i have been making regular payments via payplan to date. I sent a cca request off to my creditor in June 08 and have got a letter back stating "unfortunately we are not able to provide you with cca as i is held on the files only for 6 years and my account was opened over 6 years ago".

fermi

asn wrote: »

what next?

What exactly were you trying to achieve by the request?

asn_2

fermi wrote: »

What exactly were you trying to achieve by the request?

they rejected my offer via dmp and threatened court action. inspired by this forum i sent a cca request because i was sure i did not sign any cca. Now that they have replied saying they are not able to provide me with a cca as they hold it on file only for 6 years, can i stop payments and what sort of a response should i send them informing them of my intention?

fermi

Whether you should stop payments is probably something that you should discuss with your DMP provider. I've heard of them occasionally being a bit snotty about it.

Without the CCA, the creditor cannot (or would be daft to) attempt court action, and they know this. So that is one aim achieved. You now know that the legal threats are probably empty unless they miraculously find a CCA from somewhere.

There are several letter templates on this forum saying that if the creditor has not supplied the CCA or does not hold one then they cannot take further action. You can adapt one of those if you wish. May be worth it if they are hassling you, although some do tend to just ignore them.:rolleyes:

asn_2

fermi - but can you confirm that the 6 year limit does not apply to the cca request, i.e. irrespective of how old the account is the cca should be produced on request?