CCA request

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  • sourcrates
    sourcrates Posts: 28,878 Ambassador
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    Yes they can still report on your credit file.

    You have to decide which is of the most benefit to you, not having to pay the debt, or your credit file staying clean.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Julie67
    Julie67 Posts: 2,362 Forumite
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    allthehelpicanget yes I did. Some are on my credit file and some are not but I will never get credit again and never need to apply for a mortgage so it really doesn't matter to me. But as Sourcrates said it's up to you to decide what's most important.
    Started Self Managed DMP 10th May 2017.
    Working hard to get rid of our debt.
  • Coinmachine
    Coinmachine Posts: 225 Forumite
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    I have CCA'd a Tesco Credit Card account taken out in 2006, which is currently with Robinson Way on my DMP. I wrote to them 6 weeks ago and they replied a week after saying they would make the necessary enquiries and let me know the outcome. Robinson Way also stated that in the meantime they would stop all collection activity on the account. However as my DMP is paid through Stepchange I have not stopped the payment to them.

    As it is now been 6 weeks would Tesco/Robinson Way failed to have complied as they have not supplied anything within 12 working days other than that they would look into it?
    I'm a greenfield sight for sore eyes, and sore eyes are just needing the light, the shapes, and the shadows of the space we share, before it splits into Thin Air.
  • sourcrates
    sourcrates Posts: 28,878 Ambassador
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    Coinmachine wrote: »
    I have CCA'd a Tesco Credit Card account taken out in 2006, which is currently with Robinson Way on my DMP. I wrote to them 6 weeks ago and they replied a week after saying they would make the necessary enquiries and let me know the outcome. Robinson Way also stated that in the meantime they would stop all collection activity on the account. However as my DMP is paid through Stepchange I have not stopped the payment to them.

    As it is now been 6 weeks would Tesco/Robinson Way failed to have complied as they have not supplied anything within 12 working days other than that they would look into it?

    The 12 working days the CCA allows, are really just guidelines.

    In reality, when a debt purchaser/DCA has to go back to the original creditor for paperwork, it can take months to find it.

    Until they do the debt is unenforceable in court, if after 8 weeks nothing shows up, send a reminder.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • jcorbygas
    jcorbygas Posts: 581 Forumite
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    Had a response from Capital One - they sent a reconstituted agreement and after looking at advice from another website, it looks as though all the prescribed terms are there. Also, this debt was still with Capital One so looks enforceable.

    No further news from the others yet.
  • Leanneglos1
    Leanneglos1 Posts: 84 Forumite
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    Can I ask was their or is their a template I can use when requesting these and does the CCA also relate to catalogue loans as well as credit cards and loans, TIA
  • sourcrates
    sourcrates Posts: 28,878 Ambassador
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    Leanneglos1 wrote: »
    Can I ask was their or is their a template I can use when requesting these and does the CCA also relate to catalogue loans as well as credit cards and loans, TIA

    CCA applies to any consumer credit debt that is a running credit agreement.

    That includes loans/catalogues/credit cards etc.

    It does not include old bank account overdrafts or mobile phone contracts.

    A properly formatted sec 77/79 request must be made in writing, using the national debt line template letter, and it must be accompanied by the statutory payment of £1.

    Letter available here :

    https://www.nationaldebtline.org/EW/sampleletters/Pages/Information-about-your-agreement-under-the-Consumer-Credit-Act-%28sole-name%29.aspx
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Leanneglos1
    Leanneglos1 Posts: 84 Forumite
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    Can you simply enclose a £1 coin as I don't have a cheque book?
  • sourcrates
    sourcrates Posts: 28,878 Ambassador
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    Leanneglos1 wrote: »
    Can you simply enclose a £1 coin as I don't have a cheque book?

    No, get a postal order, it will be £1.50 in total.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Leanneglos1
    Leanneglos1 Posts: 84 Forumite
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    I know this may be a very stupid q but what is a postal order and how do I arrange one?
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