Hi, Animal_lover.
The 30 days bit, now does not apply, it was changed earlier this year.
With the CCA requests, it depends on what your trying to achieve.
I sent two about four months ago, all I've had back are the usual ' we can't find it, but will '
maybe when hell freeze's over letters.
The good thing is, all the phone calls and
Red final warning letters, have now stopped.
I'm just glad of the peace and quite
No CCA, No enforceable debt, I think the point of asking for the CCA is to try and get the debt returned to the Origional Creditor, then you can sort it out with them, rather than some DCA.
The thing about the Default, don't think no CCA means instant Default removal. If the defaulted amount was made up of charges, then you have a case for Default removal.
Have you sent a Subject Access Request to your Origional Creditors to see if you can re-claim any charges, thus reduce the debt, if they happen to come up with an enforcable CCA.
There is a letter you could send..............
Formal Complaint no CCA
Formal Complaint
Dear Sir/Madam,
With reference to my previous letters, I wish to draw you attention to your company's lack of compliance with my legal request.
On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8.
You have failed to comply with request, and as such the account entered default on **DATE**.
The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.
As you may not be aware , failure to comply with this request within 12 working days renders the alleged debt UNENFORCEABLE in law.
Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute.
The lack of a compliant credit agreement is a very clear dispute and as such the following applies.
* may not demand any payment on the account, nor am I obliged to offer any payment to you.
* may not add further interest or any charges to the account.
* may not pass the account to a third party.
* may not register any information in respect of the account with any credit reference agency.
* may not issue a default notice related to the account.
Therefore this account has become unenforceable at law.
Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.
After taking advice, I am of the opinion that your continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines.
I reserve the right to report your actions to any such regulatory authorities as I see fit.
You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.
I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.
I would appreciate your due diligence in this matter.
I await your rapid response.
Regards.
Scott.
No reply to CCA request 
