Cca Requests Updates Please

System

Hi All,

Well over the last 4 years i have halfed my debt from £25k to about £12.5k.
Two credit card companies Cahoot and Halifax no longer want to help me after being on an arranged DMP with them.
Cahoot decided to sell my just over £4k debt to Robinson, Way & Company Limited if anyone has heard of them before telling me.
And Halifax which i have been having a battle with for the last 4 months stopped accepting my DMP and turned my balance of £4k debt into now nearly £5k as they keep on slapping on charges and interest which im not happy about as im now incurring debt even further.
Halifax tell me that my debt will be passed onto their sister HBOS company Blair Oliver & Scott in the next 2 months.
Would it be worth me sending CCA requests to them both as im now being hounded by them both and im no longer accepting their phone calls.
But im still paying an arranged DMP amount to Halifax but have not sent any payments to Robinson Way at the moment, only a letter stating that i can not pay what they request on the dates they wanted it last month but have not heard anything from them since.
If i do send CCA requests to them i will update you all but just wanted to ask here first if im replying in the right place.
Thanks all and hope to hear from you soon.

stapeley

There is no reason you can not request a CCA . If its not provided stop playing , hassle over !:T

blind-as-a-bat_2

Ok time to see if everyone in the CCA class is paying atention so time for a surprise test (and an update in a roundabout way)

So sit down at the back and no talking right pay attention-

Creditor sent CCA which they replied they had no agreemant and correctly said they could not persue the debt through court, but would continue persuing the debt which is incorrect

This is there latest attempt

Dear xxxxxxxx,

Notice of assignment

ASSIGNOR: Mindless Fools

ASSIGNEE:Moorcroft Debt Recovery
CapQuest Investments Limited
Aktiv Kapital
First Investment Limited

We hereby give you notice that one of the above companies may be acquiring from Mindless Fools all its rights, title and interest in and to each of:-
(a)the debt of £xxxxxx under the account agreement xxxxxxxxx, made between Mindless Fools and yourself
(b)all other rights, title and interest in and to or relating to the outstanding debt

It is essential that all future payments, correspondence or queries regarding this account be directed to the above company, as and when the title is transferred. This assignment will come into effect within the next 2 weeks.

To prevent further and immediate action being taken to recover the full outstanding balance you must:

(a)Pay the debt in full by using your credit/debit card Or alternatively

(b)Contact our Recovery Company on 0870 xxx xxxx ensuring that you quote your customer number, to agree a suitable payment programme and make a first payment.

For and on behalf of
Mindless Fools

List what is wrong with the above and no copying:p

rog2

blind-as-a-bat wrote: »

List what is wrong with the above and no copying:p

Okay, blind-as - you got me. :rolleyes: :rotfl: :rotfl:

fermi

blind-as-a-bat wrote: »

List what is wrong with the above and no copying:p

I think this is the concise answer.

Answer: :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

rog2

fermi wrote: »

I think this is the concise answer.

Answer: :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

You copying me, fermi. :rolleyes: :rolleyes:

blind-as-a-bat_2

no this is the concise answer:p

So what they are basicaly saying is, they, a company that has no right holding my data in the first place, are going to asign an agreemant that doesnt exist to 'a' company, but cant make up there minds who yet, (though i doubt Moorcroft would be daft enough to buy it:p ............on second thoughts yes they would:rolleyes: ) which would mean passing that data that they have no right to have in the first place to a third party which they have no right to pass it to and are going to asign all the rights of something that doesnt exist to whoever they choose which means one of the lucky sods above will recieve my data that they have no legal right to have.

Which breaks just about every rule and just for good measure they ask you to call an 0870 number which is in breach of the OFT guidelines namely

Communication
2.1 It is unfair to communicate, in whatever form, with consumers in an unclear,
inaccurate or misleading manner.
2.2 Examples of unfair practices are as follows:
h. asking or instructing debtors to make contact on premium rate
telephone numbers

So what i really want to know is how a person like me is supposed to respond to that without taking the p***

fermi

blind-as-a-bat wrote: »

So what i really want to know is how a person like me is supposed to respond to that without taking the p***

Not stopped you before.

rog2 wrote: »

You copying me, fermi. :rolleyes: :rolleyes:

Damn! Caught out.

blind-as-a-bat_2

fermi wrote: »

Not stopped you before.

True:p Forgot i showed you some other letters ive sent:o

Which by the way Moorcroft have returned the Next acount too Next and closed the file:T (but you knew that too Fermi)

But i bet Next wont leave it be so i wonder who will be the next poor DCA:rolleyes:

rog2

blind-as-a-bat wrote: »

So what i really want to know is how a person like me is supposed to respond to that without taking the p***

Perhaps they actually want you to take th p***, blind-as. :rolleyes: