bb v robinson way

[british bulldog]

after quite a lot of letters from these morons,threatening to make home visits or taking me to court.i sent them a letter asking for my aggreement.

dear sir/madam
acc.no.*********
with ref to the above aggreement,i would be grateful if you would send me a copy of this aggreement.
i understand that under the consumer credit act 1974(sections 77-79),i am entitled to receive a copy of myaggreement on request.i enclose a payment of £1.00 which represents the fee payable under the consumer credit act.
i understand a copy of my aggreement should be supplied within 12 working days.
i understand that under the consumer credit act,creditors are unable to enforce an aggreement if they fail to comply with a request for a copy of the aggreement under these sections of the act.

i later got a reply which was hand written at the bottom of the letter I SENT THEM(can they not afford their own paper),it reads,
cannot send back a copy of aggreement as we dont have it.we are a debt agency collecting on behalf of 1st credit.you need to send a letter to them not us.
were do i stand with this now.do i carry on sending them payment or do i send payment to 1st credit...

this is all for mbna,which i have got a claim against

[pmhcfc]

Originally Posted by british bulldog

after quite a lot of letters from these morons,threatening to make home visits or taking me to court.i sent them a letter asking for my aggreement.

dear sir/madam
acc.no.*********
with ref to the above aggreement,i would be grateful if you would send me a copy of this aggreement.
i understand that under the consumer credit act 1974(sections 77-79),i am entitled to receive a copy of myaggreement on request.i enclose a payment of £1.00 which represents the fee payable under the consumer credit act.
i understand a copy of my aggreement should be supplied within 12 working days.
i understand that under the consumer credit act,creditors are unable to enforce an aggreement if they fail to comply with a request for a copy of the aggreement under these sections of the act.

i later got a reply which was hand written at the bottom of the letter I SENT THEM(can they not afford their own paper),it reads,
cannot send back a copy of aggreement as we dont have it.we are a debt agency collecting on behalf of 1st credit.you need to send a letter to them not us.
were do i stand with this now.do i carry on sending them payment or do i send payment to 1st credit...

this is all for mbna,which i have got a claim against

They are wrong- They have to produce on CCA request, wether they're the original creditor or not. If they only collecting on behalf on someone, then they should pass the CCA on..12 working days after they've received the CCA you can stop paying them as they'll be in default. You have the proof you sent letter, their fault for not forwarding on the CCA request, not yours. You can always CCA 1st credit if you want, but I'd stop paying RW for sure.

[diskmandave]

Nothing surprises me with RW!

Here's my thread:

http://www.consumeractiongroup.co.uk...on-way-co.html

They do have to comply with your CCA request!

Good luck, regards, Dave.