Is this a properly executed CCA, as supplied by the DCA? A DCA has sent me the following 'agreement' and has said that now they have proved I owe the debt, they want the money ASAP.
I requested this data, via a CCA request. They are into the 9th day of 12+2.
Is the attached form, a bona-fide agreement bound by the CCA laws, please?
Material facts:
1] Original credit card agreement was made in 2000
2] The debt has been sold and resold to around 4 DCA's, this is the 4th one to ask for the money and the only one to provide any 'proof' of owing it.
3] NO OTHER pieces of paper, except the demand from the DCA to now pay the money, accompanied the letter. No statement of account, no deed of assignment, no other bits and pieces whatsoever.
4] All the relevant data on the sheet has been deleted by me; the signature WAS mine and all seemd in order with the hand written and machine completed data on the form.
I am resigned to paying, as this looks like a full agreement? It certainly mentions the CCA laws etc, plenty of times.
If it is NOT...is there a standard/template letter here on the forum that I could use to give a full, comprehensive, point-by-point breakdown of their failings and why I dispute the 'agreement' etc.
Again, I would like to extend my sincere an dheartfelt thanks to all who have helped me [and countless others]. If it were not for you wonderful people, I'd still be living in abject fear, unable to even answer the phone or the door. You have effectively cleared up the rubbish from my life. THANK YOU, for ALL you do.
Warm wishes,
The_Internet |