Re: Cca Request To Connaught Collections

[LISAM696969]

I Sent A Letter To Connaught Collections As Per Your Website Requesting The Cca Agreement They Received My Letter On 13th April 2007 And Wrote To Me Today Stating That As I Had Been Making Regular Payments Towards This Debt I Had Admitted Liability For It And So Cca Made No Difference They Said They Will Request It From Original Company Citicards And That When They Get It I Will Have To Repay The Amount In Full Of £1400 If I Suspend Payments Now , Help What Do I Do Are They Right Have I Admitted Liability By Making Regular Payments And Do I Have To Pay The Full Amount Not Installments When They Produce It And What Happens If They Don;t Produce It , Cheers Lisam

[Curlyben]

If you are currently making payments, wait untill Connaught default at the 12+2 stage.
After this the debt becomes unenforceable and you can cancel payments.
BUT when/if they produce the CCA then your payments should resume.

If no CCA appears after the extra 30 days then they have commited an ofence and this can be a very powerful bargaining tool for you.

[LISAM696969]

Thnaks For That , Appreciate Speedy Reply Just Wait And See Then , Lisam

[jadzia]

Hi,
I had one of these replies yesterday(see thread coonaught collections stat demand),I am just going to wait and see if they can produce aggreement,if they do,fair enough,if not i will stop paying,and respectfully request that as they didnt produce any proof that this debt is enforcable,they take all payments made to date(£920),as full and final settlement,and remove any adverse info they've put on my credit file,if you discount the £430 they've added in charges,i only owe about £200 now,so they should be happy that i didnt find this site £920 ago,lol!!!

[LISAM696969]

Hi connaught now out of 12 days and in default this occured on 25th so thirty days from then to count means that need a response before 25th May 2007 or they are breaking law etc etc , wish me luck !!!!

[diskmandave]

The timelines are: The clock starts ticking the day after delivery, then it's 12 working days followed by a period of a calendar month. If the last day of the calendar month falls on a Sunday or otherwise a public holiday it's 31 days (not working days) instead of 30.

If you sent by rec/del and have the delivery date start the clock ticking the day after for the 1st day. If you didn't send by rec/del then it's advisable to add 2 days onto the 12 working days to allow for unproved delivery date.

Have a check of your timeline again with a calendar, I think your out a little.

Good luck, Dave.

[gypsumsif]

Originally Posted by jadzia

....and respectfully request that as they didnt produce any proof that this debt is enforcable,they take all payments made to date(£920),as full and final settlement....

should you do this? is this not admitting the debt?

[jadzia]

Good point,didnt think of that!!

[gypsumsif]

hang on, im a newbie. wait for one of the others to help here jadzia, it was just a general question, as i think im getting the hang of this, but hopefully not ahead of myself

[LISAM696969]

new calculations on 12 working days mean that 2nd May 12 days up so tomorrow puts plus 2 and that means 30 days can start counting , heres hoping due a payment on 15th this month already paid last months so lets see if i hear anything what do i do if they contact me for payment ?

[diskmandave]

Originally Posted by LISAM696969

new calculations on 12 working days mean that 2nd May 12 days up so tomorrow puts plus 2 and that means 30 days can start counting , heres hoping due a payment on 15th this month already paid last months so lets see if i hear anything what do i do if they contact me for payment ?

They have no legal right to enforce the agreement whilst it in default.
(12days)

[LISAM696969]

Hi all had two letters on Monday one from connaught saying :
Dear Madam , re: 1st credit limited (Associates) outstanding debt £------
our records indicate that yout repayment plan is £20.00 in arrears . please ensure that your plan is brought into line within the next five days , yours faithfully connaught collections uk ltd .
so I e-mailed them and told them that this a/c was in dispute and that they were in dafault by not producing CCA and that in this situation until they did I had no legal obligation to pay , not heard anything from tham yet .

next letter dated same day 18th May
Dear Sir/Madam ,
thank you for your recent communication . the contents of this communication have been noted . Please telephone this office as a matter of urgency in order that this matter can be discussed . Thank You for your co-operation .
yours faithfully . collection depatment 1st credit .

again i e-mailed them the same as above but also included that I would not communicate on the telephone and that all communication must be via e-mail or written snail mail . anyone getting dejavu with gingerheid's thread !!!! any advice from here appreciated!!

[Curlyben]

Your comments are being noted.

[LISAM696969]

Hi curlyben , is that a really clever automated response or are you really a spy for 1st credit !!!!

[LISAM696969]

great stuff now got another letter from 1st Credit as follows :
I refer to your communication asking 1st Credit to provide you with the relevant agreement .
We will shortly be advising our client of your request . This document will be sent to you as soon as possible . This process may take at least one month .
Once you have received a copy of this agreement we would expect you to contact this office immediately to arrange settlement of this debt.
Please call this office should you wish to discuss this matter .Yours faithfully , Admin Dept.

seems to me i've seen this letter somewhere before too !!! so do you think i should write back and inform them that its fine if it takes a month but that as of 2nd June 2007 which is 1 week and two days away they will officially be breaking the law or should i just let them wend their merry way ?? suggestions on a postcard to We love 1st credit oh yes we do !

[babybear39]

Hi LISAM696969 , good morning.

I had exactly the same letter from 1st credit dated 21/05/2007.

See my thread and this might help http://www.consumeractiongroup.co.uk...lease-1st.html

Good luck with them

[LISAM696969]

right well i'll wait and see what pearls of wisdom are imparted on me by anyone wishing to assist and see if 1st credit can send me out any alternative letters to the one's already listed everywhere on this sight , get some new automated responses at least make it more interesting !!!