12+2+30?? Cca

Legacy_user

Ok my 12+2+30 days are up this week, 60% of my creditors haven't even responded to me, 20% sent me CCA's and the other 20% responded saying they didn't have my CCA,

So whats next????

System

Anyone any ideas?

rog2

Those of your creditors who have NOT provided you with a ca, within the prescribed time scale, have now committed a criminal offence.
You need to report this to Trading Standards and the Information Commissioner, in order to put those creditors in 'default'. Unfortunately the ICO does not appear to have much of a track record in initiating criminal proceedings aganst creditors who have not provided information, as required under the Consumer Credit Act, 1974, but you do need to go through the motions, otherwise these 'debts', which are now irrideemably unenforceable' may surface at a later date, possibly via a different dca, and you need evidence to prove that they are unenforceable.

System

rog2 wrote: »

Those of your creditors who have NOT provided you with a ca, within the prescribed time scale, have now committed a criminal offence.
You need to report this to Trading Standards and the Information Commissioner, in order to put those creditors in 'default'. Unfortunately the ICO does not appear to have much of a track record in initiating criminal proceedings aganst creditors who have not provided information, as required under the Consumer Credit Act, 1974, but you do need to go through the motions, otherwise these 'debts', which are now irrideemably unenforceable' may surface at a later date, possibly via a different dca, and you need evidence to prove that they are unenforceable.

Ok thanks. And what about those who have replied saying they don't have my CCA? Is there another letter to send?

rog2

nirelandguy wrote: »

And what about those who have replied saying they don't have my CCA? Is there another letter to send?

Not that I am aware of - have they said that they will no longer be pursuing you?
You might find it useful to have a quick word with National Debline - 0808 808 4000 or CCCS - 0800 138 1111, they will be quickly able to clarify the situation and point you in the right direction of any possible letters.