Confused About Catalogue Debt

SPANIEL36

HI, I HAVE POSTED BEFORE ABOUT THESE DEBTS BUT THEY JUST SEM TO BE POPPING UP AGAIN EVERY NOW AND AGAIN:mad: .

I HAD AN ACCOUNT WITH ACE CARDS (STUDIO) PASSED ONTO MOORCROFT, LAST YEAR I WROTE AND ASKED FOR THE CCA, DEED OF ASSIGNMENT AND ACCOUNT STATEMENT. NOTHING WAS PROVIDED TO ME. I SENT THEM THE BOG OFF LETTER ETC AND

RECENTLY THEY'VE PASSED IT ONTO HOWARD COHEN, I SENT OFF THE FIRST CCA LETTER AND WAS WAITING TO SEND THE OTHER....TODAY I'VE RECEIVED A RECORDED DELIVERY FROM LEWIS DEBT RECOVERY STATING THAT THEY AREN'T THE CREDITOR FOR THIS ACCOUNT ACE STILL IS AND THEY ARE ONLY ACTING ON BEHALF OF ACE. IT ALSO SAYS AND I QUOTE "I HAVE BEEN IN CONTACT WITH OUR CLIENT AND WOULD ADVISE THAT THE AGREEMENT IS NOT AVAILABLE FOR THIS ACCOUNT, THIS DOES NOT MEAN THAT THE AGREEMENT IS ILLEGAL OR VOID"

THIS TIME THEY HAVE INCLUDED A STATEMENT OF MY ACCOUNT (WHY COULDN'Y ACE SEND THIS IN THE FIRST PLACE AND GET ONE OUT OF THE THREE RIGHT!!)

WHAT AM I BEST DOING NOW TO BE HONEST. REQUESTING THE CCA FROM ACE DIRECT AND GOING THROUGH THE PROCESS WITH THEM INSTEAD OF DIFFERENT DCA'S ALL THE TIME. I WAS THINKING THAT AT THE END OF THE 12+2+30 DAYS I COULD TELL THEM WHAT A [EMAIL="!!!!"]CROP[/EMAIL] COMPANY THEY ARE AND WHERE TO SHOVE THE DEBT:rotfl:

chez000

When did you have the catalogue? if before april 2007 (possibly 2006, ill check) and no one can produce a signed agrrement then they cant prove your liability so they cant enforce the debt, just send them the Bog off letter again

Janjel

i am having the same problems with same company. Can you please let me know where iget the cca template letter to post of to studio as the goods i bought a few years ago amounted to £80 and i paid them about £120, they are chasing me for late fees etc and i want them of my back.:mad:

Thank you

SPANIEL36

chez000 wrote: »

When did you have the catalogue? if before april 2007 (possibly 2006, ill check) and no one can produce a signed agrrement then they cant prove your liability so they cant enforce the debt, just send them the Bog off letter again

IT WAS BACK IN 2003 (LONGER THAN I THOUGHT ACTUALLY!!!)

LAST PAYMENT I MADE TO THEM ( WELL MOORCROFT) WAS OCT 07

SPANIEL36

Janjel wrote: »

i am having the same problems with same company. Can you please let me know where iget the cca template letter to post of to studio as the goods i bought a few years ago amounted to £80 and i paid them about £120, they are chasing me for late fees etc and i want them of my back.:mad:

Thank you

http://forums.moneysavingexpert.com/showthread.html?t=654419
click onto the above thread and you'll find the letter there. good luck

RAS

SPANIEL36 wrote: »

IT ALSO SAYS AND I QUOTE "I HAVE BEEN IN CONTACT WITH OUR CLIENT AND WOULD ADVISE THAT THE AGREEMENT IS NOT AVAILABLE FOR THIS ACCOUNT, THIS DOES NOT MEAN THAT THE AGREEMENT IS ILLEGAL OR VOID"

Technically correct, but if they tried to enforce it through the court, then your defence would be no CCA provided.

So it is neither illegal or void but it is unenforceable.