Cca Requests Updates Please

luckymum_3

:A thanks rog , will get these sent out first thing in the morning and will keep updating ...

blind-as-a-bat_2

The after 30 days they commit a sumery criminal offence bit is no longer valid

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/154013-not-offence-after-12-a.html

You can still send it if you want but it is meaningless now, well it was meaningless before anyway but..............

luckymum_3

hi there, what would my options be then with regards to the above posts. .... also made a mistake previously , my littlewoods account WAS with ndr and then iqor took it over awhile ago , so i cca'd iqor ,had letter from them saying account on hold and cca request was sent to littlewoods , now i have had a statement with admin charge fron ndr who i thought were no longer with this account as iqor were dealing with it ...help needed please.

blind-as-a-bat_2

The fact they are in default still stands, during which time the creditor or DCA or both if the DCA is acting as agent and has not been assigned the debt (as in sold it) so they are not allowed to take any action or add costs/charges.

But they will!!!! they will not accept they are wrong and you are right so will pretend your CCA request never existed, even to the point of issuing a court summons as there is always the chance you wont defend so they win by default.

Now that has probebly scared the hell out of you which is just what they want so dont let it.

Being taken to court is a posative not a negative as even if you lose you are then protected by the court against any herassment you pay what the court says and thats it, and it will be more realistic than the DCA,s demands.

BUT if they have no CCA then you wont lose as they have nothing to make a case with so hang in there.


Its a big game, you just need to learn thee rules and keep on step ahead, i droped the ball thats why they snuck a court case in on me, but no matter they have an origanal agreemant to find now, and even if they do they may still lose as theve c0cked up elswhere by the looks;)

The charges are erelavent for now so dont let that cloud your judgement.

If they are in deafault and you have told them so under the 12+2 rule then you need do nothing more, do not pay anything to the account or admitt any liabilaty too it, just wait.

They will do one of two things give up, or fight. If they fight they could end up payinig you if they have no CCA;)


Edit by the way an added penalty charge may work in your favour in the long run i forgot to mention that, so for now that charge may be a good thing

blind-as-a-bat_2

Ok to expand on my answer for everyones benefit, if your going down the CCA route you must be prepared to defend it in court, thats not to say it will get to court as such but it may get to a court summons. not every creditor is just going to write a few hundred or even thousand off without trying there luck first

so prepare for the worse now, as this was my mistake, dont sit and ignore/delay anything, keep a record of everything- letters, the envolopes a diary of the date they where recieved, send every reply by recorded delivery no matter how trivial as you may be able to get it thrown out without going to court IF your case is strong enough so start planning for the worse from the begining.

blind-as-a-bat_2

luckymum wrote: »

hi there, what would my options be then with regards to the above posts. .... also made a mistake previously , my littlewoods account WAS with ndr and then iqor took it over awhile ago , so i cca'd iqor ,had letter from them saying account on hold and cca request was sent to littlewoods , now i have had a statement with admin charge fron ndr who i thought were no longer with this account as iqor were dealing with it ...help needed please.

One point did you ever CCA ndr? and two DCA for one debt is V naughty

Have a read of this http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

noteably

Physical/psychological harassment
2.5 Putting pressure on debtors or third parties is considered to be oppressive.
2.6 Examples of unfair practices are as follows:

c. using more than one debt collection business at the same time
resulting in repetitive and/or frequent contact by different parties

You need to adress this and know who you are fighting, if you cant find out, fight both, so you must CCA both

stapeley

Broken_hearted wrote: »

One post then I'm out of this thread. I can understand if someone thinks they may have a debt wrongly assigned to them but anyone trying to use this to get out of paying a debt they kow they owe should be ashamed.
If you can't afford YOUR debts go bankrupt this isn't consumer revenge its consumer greed and if Martin condones this he's as bad as the rest of you.

Changed your tune then ?

stapeley

Broken_hearted wrote: »

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

Morals are all well and good when it suits you. I could use many other examples of your comments on other threats criticising the use of CCA REQUESTS . Forgive me if i have misquoted you , " you know you spent it , so just pay up!"
The word hypocrite springs to mind ! How ever as a gesture of goodwill I am willing to pass on any useful advice I have in regard to dealing with your dispute .

skylight

There have been a few comments lately bashing BH a bit about her position.

Sorry guys, but have we not all been here? Have one opinion and changed it? Decided that enough was enough and changed our stance?

Personally, if I was able to pay my debt, I would have - as would a lot of people on these boards (DFW and BR). Some people (such as my Mum for example) would be so horrified if she could not pay her debts, it would be devastating. Some people (like me) are much more relaxed about it.

Whichever camp you fall in, it does not mean that anyone should criticise about someone elses stance. Perhaps we should be together trying to weed those out who are deliberately avoiding their debts as opposesd to those that genuinely cannot.

luckymum_3

hi , reply to previous post : NO i never cca'd ndr... iqor took over from them and so dealt with it , i cca'd iqor and now i have a statement from ndr saying what i owe and a £12 admin charge , thats it , no letter included with it ...
so i have no idea who i am against for this one account : ndr or iqor ? seems like littlewoods are passing it over from one to another ..

also i have a copy of Every letter sent included the cca request ones , have kept all replies and postal order receipts which were sent with first letters.....but even after sending letters , vanquis have still sent me a legal action intended letter so do i send any more letters to them or will they take me to court...