Cca Requests Updates Please

Bazza66

Bazza66 wrote: »

Loramos,

This is a copy of the letter I sent today (taken from a template somewhere on these forums - I know how hard it is to find stuff sometimes!) so Lowell-Life will be getting this tomorrow hopefully. I will keep you posted of my outcome.

Bazza

Got letter back from Lowell - its the exact same letter they sent to me 2 days before the 30 days were up. In a nutshell - they cannot find the CCA (suprised?) and they will be closing the file unless the CCA turns up in the future.

No effort to even address the points on my original letter (standard 30 days one which I posted on here a few posts ago).

So where do I go from here? Is it worth pursuing? Do I write to Data Protection - if so does anyone have an address and/or a template letter?. I just feel they should not be allowed to just shun me off after the fact they hounded me for months.

Thanks in advance
Bazza

Bazza66

loramos wrote: »

Morning everyone.I recieved this letter on 23rd Sept.From ARC Europe acting for EGG Credit card.I have recieved a two page badly copied CCA afrom egg dated december 200.(TWO ZERO ZERO) and a second page different type face apparently signed by me in Jan 02.Statements from 2004 and some from 2006.Before I discovered this forum I sent egg and arc alist of liabilities etc and offered £1.per month I signed a DD to arc for £1.00 payable over the next 999 months I'm 60 so this will run untill I'm 143 years old.Here is extract from ARC letter How do I respond?

If you can get a copy of your "CCA" scanned and uploaded to here then I am sure some expert will look over it for you. Sounds alittle dodgy if the dates are not very clear. When you say "apparently signed" what do you mean?

My understanding (but dont quote me) is that a valid CCA must contain the following

Amount of creidt available

The rate of interest

The payment arrangments

does your cca have these?

Bazza "Newbie to all this but learning fast but dont quote me" ;-)

Bazza66

Loramos,

If you dont get any joy on this forum you can always speak to National Debtline - 0808 808 4000 - if you need any further advice.

I have not used them myself but have heard reports that they are very helpful.

Bazza

Bazza66

Also have a look at

http://forums.moneysavingexpert.com/showpost.html?p=14251451&postcount=15

You will need to get the CCA validated first but the above post may help you in your next course of action.

But it depends on the validity of your CCA first!

Bazza

loramos

thanks Bazza66 i personaly believe that it is not valid as it does not state the things required i.e credit limit etc.the letter mentioned in the forum looks like the one I will send.If they continue to take money from my bank using my signed DD what shall i do

Bazza66

Loromos,

If they have failed to provide a valid CCA within 12 days then the Account has entered default. Its entirely up to you whether you continue but I personally would cancel the DD. Because the Account is in default you are not obligated to make any payments nor are they allowed to chase you for the money until they provide a valid CCA.

But again this all depends on the validity of the CCA - without someone on the list seeing it then its your call.

Have you sent the 12+2 days letter? Or did you recieve the "cca" before this date?

stapeley

Do HBOS sell debt to dca,s such as caboot????? or do CABOOT COLLECT for them ???

oscar52

typing cabot and hbos into a well known search engine would indicate that to be the case.

stapeley

:j Would be very happy if the alledged debt has been infact sold to caboooooooot. I know there is not a TRUE SIGNED CCA on this , I will just ignore them when they ring:j

COOKIEWILLOW

Defaulted on 2 personal loans with Lloyds (been sending small payments only), they have now passed to Allied who have written for me to contact them. Is it worth requesting CCA off Allied as the loans are within last 3 years and i did sign agreement with Lloyds so im 99% sure a CCA can be provided by Allied, or not bother delaying and ring Allied to arrange some sort of payment.?