Cca Requests Updates Please

rog2

luckymum wrote: »

hi , would appreciate some help to please ..
i sent letters on thursday to vanquis and littlewoods signed for delivery , not received yet ; ( so looks as if i will need to post again .. does anyone have a copy of the 12+30 letter i could send.. vanquis have passed my account to a dca and littlewoods keep phoning and neither have supplied cca from the first request..so do i send the next letter to the dca or to vanquis ?

Hi lm - Link to 12+2 letter:

http://forums.moneysavingexpert.com/showthread.html?p=6921563

Send the letterto whoever you sent the original cca request. (You can send a copy to anyone else chasing for the same debt - to let them know that they should NOT be chasing you).

It would certainly appear that, by passing on your details whilst the debt was in dispute, Vanquis are in breach of the terms of the Data Protection Act, and should be reported to the Information Commissioner.

luckymum_3

thanks rog2...
is this the 30 + letter , sent the 12 +2 already which is what they ignored with postal orders ; ( ... kays also received the letter and have still not suppiled a true cca only their terms and conditions.. their 12+2 is up today ..

longforthesun

Hi all today I have sent Lloyds TSB a request for a copy of my CCA by registerd post. I originally had a card with easymoney who were taken over by lloyds hence why I now have a lloyds card. Will Lloyds have to provide a CCA from easymoney or should I have one with lloyds? The take over happened I think about 4 years ago.

rog2

luckymum wrote: »

thanks rog2...
is this the 30 + letter , sent the 12 +2 already which is what they ignored with postal orders ; ( ... kays also received the letter and have still not suppiled a true cca only their terms and conditions.. their 12+2 is up today ..

Hi lm

I have given you the link to the letter that you should send 12 working days (12+2) after you have sent the original request letter. The PO should have been included with your original request.

Put simply the process is:

• Request cca, by sending the NDL (or similar) letter that can be found on the following link: http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=getting_a_copy_of_your_credit_agreement_and_account_details You should enclose a postal order, for £1.00, with your request.
• If, after 12 working days (allow 12+2) have elapsed from receipt of your cca request letter, the dca/creditor has not sent you a true copy of the executed cca, then send them the letter that you will find in the link that I posted, i.e.: http://forums.moneysavingexpert.com/showthread.html?p=6921563 This puts the dca 'in default' and he would need to apply to the courts before he could enforce the agreement. At this stage, you can stop payingf any money that you may have been paying.
• If, after a further month (12+2+30 days from original request) the dca/creditor has still not provided you with the true copy of the executed cca, then he has committed a criminal offence. He an, no longer, pursue you for payment, nor can he give/sell/pass your details to another dca and you are entitled to request that he repays any money that you have paid. At this stage you should send he letter that you will find on the following link: http://forums.moneysavingexpert.com/showthread.html?p=6582439

It Is important that you send the appropriate letter, at all stages, because this may be needed, at a later stage, to prove that the dca has acted illegally.

luckymum_3

thanks , po was included with first letters.
got to send next letters again as first ones posted on thursday still not received .. will keep updating ...thanks again

sebpetch

has anyone got anywhere with this? :-)

luckymum_3

hi , i have cca'd three companies , and not got anywhere yet... kays have sent a letter after my request saying they can not find a cca, so sent the second letter , littlewoods have ignored my request , so second letter sent to them and vanquis are threatening dca collection even thought they shouldnt as i asked for a cca !!! .... sent letters yesterday special delivery so they will have them today and will keep updating..

blind-as-a-bat_2

Well i suppose i should add my update here too

On the plus side two creditors have admitted they have no valid agreemants, one has gone silent after the DCA admited they couldnt get one from the origanell creditor, and no responce from the other two at all

On the negative side GE money have decided, even though they have not fully complied with the CCA request as its incomplete, to sell the debt and the new owners have gone straight to court with it so now the fun starts:p

We have a good case but not an air tight one, it will depend on how things pan out and what they produce as evidence, but the fact it was sold on while in despute will i hope at least make it uncomfertable for them, and may leave the GE faceing a little legal action in return:rolleyes:


Will let you know the outcome but it may take a while;)

fiveyearplan

Good luck BaaB

luckymum_3

hi , good luck as well , and keep us updated ..
i heard nothing yet , well apart from a vanquis statement saying my account is on hold and i MUST make minimum payment !!!!!