Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
HI all I requested a copy of my CCA from Lewis group who are acting for NExt I have intially been paying a small amount per month but no longer can afford to pay them as I have to put all my spare into taking care of my priorities. I received a letter from them stating they did not have a credit agreement as I applied on line. I sent a further letter stating the the debt was therefore unenforceable due to the lack of CCA. They have now sent me a further letter briefly stating
"" Please note that as you have been previously informed this debt is enforceable.
Whilst you state that without a copy of a signed agreement we are unable ro continue with any action again you this is in fact incorrect.
As you were informed in our previous letter this is an online application and therefore no agreement was signed you did however agree to the terms and conditions on the date of application
As you can see by the statement attached you have been making payments and therefore on occasions accept full liabilty
This debt will not go away
Please contact etc et etc for full payment of the outstanding amount or we will start proceedings """
Please can anyone suggest is the information they have correct can they in fact obtain a ccj i really want to hit back at these guys as they have totally ignored the previous default letter i sent them in not complying with the CCA 1974
thanks everyone
As The Consumer Credit Act 1974 (Electronic Communications) Order 2004 came into force in December 2004 any online agreements entered into prior to this date still need a signed executed credit agreement.
Electronic signatures weren't considered valid until this date.
Help DCA chasing me for debt but no CCA
on the date of application
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