Cca Requests Updates Please

louisa79

Loramos/lfts - I've also received various random paperwork - including a forest worth of credit card statements that I could have looked at online! I'm using a rule of thumb that if the documents they sent will show the court that they are legally entitled to collect the debt then I will co-operate with them. Statements etc prove nothing. What I want is a document showing that the DCA has been assigned the debt for collection by the OC. However, since the majority of DCA purchase the bad debts of banks and credit card companies for peanuts I'm fairly confident that no such document exists.
The DCAs will try and confuse you and bully you but don't let them - stick to your guns and don't pay them a penny until you have proof that they are entitled to.

rog2

longforthesun wrote: »

Hi all well my 12 +2 days is up today and Lloyds sent some bumf through the post but I do not think it is a copy of my signed agreement. They letter says thank you for your request under section 78 of the consumer act 1974 and they have enclosed a copy of the current t&c which apply to my acount.

That certainly does not sound as if they have sent you the correct cca, lfts, as they must provide you with a true copy of the actual executed agreement.

Send them the 12+2 day letter.

loramos

Thanks louisa79. Do i write back to ARC asking for a clear and true copy of the cca plus copy of letter of assigment . Do i also ask them why they are continuing to take the standing order when the account is in dispute?

rog2

loramos wrote: »

Thanks louisa79. Do i write back to ARC asking for a clear and true copy of the cca plus copy of letter of assigment .

No need to get involved in any other correspondence - that is exactly what they would like you to do - as it diverts your attention away from their legal obligations.
Simply behave as though they have sent you nothing, for the time being, and send the 12+2 day letter.
Once you have sent the 12+2 day letter, you have, in effect, put ARC 'in default' - you should stop any payments at that stage.

loramos

Thanks rog2 but have you had a chance to see my post #839? i am willing to do as you suggest though.

rog2

loramos wrote: »

Thanks rog2 but have you had a chance to see my post #839?

Yes, loramos - I did read your post - how long is it since you sent your cca request, and what other letters have you since sent them?

loramos

Hi rog2 I sent the 12+2 on 19th Aug they sent me a bad copy cca etc on a letter dated 19th Aug but recieved on23rd. I have not sent them any other letters but they took a £1 payment from my bank on the 28th

rog2

loramos wrote: »

Thanks rog2 but have you had a chance to see my post #839? i am willing to do as you suggest though.

I would just like to add that, if you look at the following link, you will find details of what a consumer credit agreement should contain - and only rarely do 'application forms' constitutute a full consumer credit agreement.
Check what you have been sent against the check list - I doubt that it contains the required information.

There is, also, a template letter on the link - you might, if you feel it is appropriate, like to send ARC a copy.

http://forums.moneysavingexpert.com/showpost.html?p=7869437

loramos

Once again rog2 I am indebted to you (this debt I wont queery though)
Many thanks

luckymum_3

hi , quick update from me , i received a letter from kays saying they are not pursuing the debt , the account has been closed but will remain as unsatisfied on their credit files ..