Cca Requests Updates Please

blind-as-a-bat_2

IgglePiggle03 wrote: »

Hi

Have cca'd a few dcas with varying results and wouldn't mind an expert opinion on whats happened so far and what i should do next.

Moorcroft (Citi) - request sent on 7july08 by recorded delivery. To date it cannot be traced with royal mail as being signed for despite numerous calls. However we rec'd a letter from them dated 11july08 indicating that they are looking for cca and will be in touch when they find it! By their response they def rec'd it should I send 12+2 letter now or leave it seeing as they've gone quiet & not hassling?As they have replied then yes that is proof of reciept but you would be wise to adjust your 12+2 days to the date they stated that it was recieved or the date of the responce if there is no referance to when they reiceievd your letter

Fredrick Int (Capital 1) - request sent on 7july08 by recorded delivery same time as moorcroft one. Again, cannot be traced but i have had no communication/correspondence from them since and they were ringing before. Should i send the 12+2 letter or just leave it? You could leave it but you would be better re sending unless you can confirm they cashed the postal order as that is good enough for proof of reciept, but again you will have to go by the date it was cashed for 12+2 letter

Blair, Scott & Oliver (Sainsburys) - request sent by rd on 11 july. Signed for on 14july08 (have electronic proof from net) Had a letter from them asking me to contact them on 25july08 but not saying anything about the cca request. I haven't contacted them. Had another letter dated 7aug08 saying thank you for your payment, (I hadn't sent them anything for the month as yet as on token payments so assuming they cashed the postal order and took that as a payment?) and that it wasn't enough and they wanted me to get in touch to arrange paying the rest! Should I send 12+2 letter? thats a normal tactics makes no differance procede with letter if times up

Link Financial - Sent cca requests on 13aug08 so await reply. Anyone had any dealing with these people?

How do you check is a postal order has been cashed? Have got the reference numbers on the recipts but not sure where to check.you have to write in now and it takes upto 28 days ring number on website for address

Also, I'll need the proof of delivery as my backup paperwork so how do i stand with them not being able to track it, even though Moorcroft (and possibly Fred Int seeing as they've gone quiet) have received the correspondence? without other proof such a a reply or cashing of the postal order you would have to start again im afraid

Sorry for so many questions i'm just not confident enough in this whole process yet to move onto the next stage without advice!

Thank you in advance for any advice.

IP

Moorcroft isnt a problem but i would start Fred Int again, if you later get proof they cashed the order you can always revert back to those dates:rolleyes:

for future referance Forget the letter after the 12+2 (the 30 days one) as it no longer is an offence, it was removed in the updates brought in sometime between april and may i believe

Edit- See here for details http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/154013-not-offence-after-12-a.html although the OP was slated as s/he alledgadly works at a DCA, the points where agreed as valid by the more trusted members of that site towards the end of the thread

stapeley

gilligansyle wrote: »

The infamous Connaught have returned my £1 postal order to me and told me that they no longer have the file, that it is now with 1st Credit.

???

Is it that DCA ,S getting fed up with all the CCA REQUESTS ? Are they thinking its too much hassle and returning accounts to OC ????

blind-as-a-bat_2

stapeley wrote: »

Is it that DCA ,S getting fed up with all the CCA REQUESTS ? Are they thinking its too much hassle and returning accounts to OC ????

They are probebly learning which creditors will have a chance of having a valid agreemant and just wash there hands of the ones they know will not be able to comply

Unfortunatly for them once served with the cca request it dousnt work just sending the quid back, they still have to supply the agreemant or they are in breach of the regulations

Broken_hearted

Well just for fun I'm going to CCA Halifax, if nothing else it'll shut them up for a month.

rog2

Broken_hearted wrote: »

Well just for fun I'm going to CCA Halifax, if nothing else it'll shut them up for a month.

Whilst I am sure that you, or indeed any of us, would never go down the cca route 'just for fun' I wish you well, bh, and I hope that you achieve what you want/expect to acieve by so doing.

blind-as-a-bat_2

Broken_hearted wrote: »

Well just for fun I'm going to CCA Halifax, if nothing else it'll shut them up for a month.

You will probebly find it will make them louder if they know the agreemant is flawed or if they havnt even got one;)

Whilst I am sure that you, or indeed any of us, would never go down the cca route 'just for fun' I wish you well, bh, and I hope that you achieve what you want/expect to acieve by so doing.

Maybe not rog2 but theres no denying it is fun once you realise that the crediors and DCA,s havnt a clue what there doing

rog2

blind-as-a-bat wrote: »

Maybe not rog2 but theres no denying it is fun once you realise that the crediors and DCA,s havnt a clue what there doing

Oh I don't deny that at all, blind-as, and everyone is entitled to the sense of satisfaction/achievement that showing these 'chancers' in their true light brings. :rotfl: :rotfl:

fiveyearplan

Its not that fun when it gets to the Court stage and the CCA is 'iffy' - might be eligible, might not be eligible???

rog2

fiveyearplan wrote: »

Its not that fun when it gets to the Court stage and the CCA is 'iffy' - might be eligible, might not be eligible???

Also very true, fyp.

blind-as-a-bat_2

fiveyearplan wrote: »

Its not that fun when it gets to the Court stage and the CCA is 'iffy' - might be eligible, might not be eligible???

But can they produce the origanal in court? If they turn up in court with a dodgy photo copy that is not proof anyway as it alows doubt to its authenticaty unless they can produce anything to the contrary that proves its a copy of the origanal, and that is not so easy unless an independant body or witness was involved when it was scaned and the origanel destroyed and they have the documentation to prove so