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has a CCA gone in your favour.?
DEBT_23
Posts: 292 Forumite
Has anyone on here had a debt unenforcable thru the CCA not being produced etc
are they still chasing you for the debt?..
how much was the debt and who was the creditor?
are they still chasing you for the debt?..
how much was the debt and who was the creditor?
Bankrupt on 26/03/2009 10:30am No-219 of 2009
Fresh start ahead. 26/03/10 will soon be here :rolleyes:
Thanks soo much MSE Br forum :T
Fresh start ahead. 26/03/10 will soon be here :rolleyes:
Thanks soo much MSE Br forum :T
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Comments
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Has anyone on here had a debt unenforcable thru the CCA not being produced etc
are they still chasing you for the debt?..
how much was the debt and who was the creditor?
Natwest
£3,100 +
http://forums.moneysavingexpert.com/showthread.html?t=756749
:j"I don't want to sound cold and un-caring, but I am those things so that's the way it comes out" - Bill Hicks0 -
you took the credit out online ? how old was the credit.?Bankrupt on 26/03/2009 10:30am No-219 of 2009
Fresh start ahead. 26/03/10 will soon be here :rolleyes:
Thanks soo much MSE Br forum :T0 -
see my thread CCA Request Updates please0
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No I pay the debt I know we ran up. If it was a debt we didn't I would fight it but I'd rather pay off than have the hassle.Barclaycard 3800
Nothing to do but hibernate till spring
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Just because it is unenforceable in a court of law doesn't mean it has gone away. Have you made an official complaint to the DCA/Bank, if they do not action/resolve the matter within 56 days then you can officially complain to the FOS, this gives you clout to stop them communicating. Other than that you have to wait 6 years (england and wales) before it becomes statute barred.
They may still take you to court, or at least threaten to and go through the motions.
Remember No CCA = No rights to pay or to demand payment and
Business is Business, it is not personal so morels don't come in to itJune 2005 = 48K of Debt
Sept 2006 Started dmp = 56k of Debt (inc fees and charges) DFD April 2030:eek:
May 2008 = <5k of Debt (CCA route -48K, paid off 3K) DFD April 2010
Nov 2008 Lloyds found CCA for 14K loan:mad: New DFD Jan 2016
Happy so far tomorrows another day
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