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CO-OP no CCA PLEASE HELP
Hi all,
I have a letter from the co-operative bank confirming that they do not have a CCA on file, it was only on microfilm and has degraded beyond use.
I actually offered them around 40% of the balance as a settlement figure which they have not responded to. I since sent a Subject access request and got all statements but again no CCA. When speaking to the co-op today i have been told today that i have had there final letter on the subject and that they will continue to pursue me through there debt collection department.
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While no agreement exists, you are not obliged to offer payment, nor are they allowed to chase you for payment. Once an agreement turns up and it's valid then they can resume collection.
Have you put the account into dispute?
While it's with their internal collectors you could ignore them and when(if) they flog it on to an external DCA, you should be able to see them off quite easily.
Don't forget to complain to them as well.
fox
If you are asked to deal with any matter via private message, PLEASE report it.
Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
While no agreement exists, you are not obliged to offer payment, nor are they allowed to chase you for payment. Once an agreement turns up and it's valid then they can resume collection.
Have you put the account into dispute?
While it's with their internal collectors you could ignore them and when(if) they flog it on to an external DCA, you should be able to see them off quite easily.
Don't forget to complain to them as well.
fox
Hi Fox,
I have sent a letter stating account is in dispute.
I do have their letter confirming there is no CCA along with a letter agreeing there needs to be one.
What i really wanted was to finalise this debt before moving on to my next one. Is there a way i can proceed that actualy gets this debt completely finished?
As I said, they can't take you to court without a CCA but they will screw your credit file (even though they shouldn't)
If you want to put this to bed, you could offer a Full and final settlement (if you can afford it)
As they have no CCA, it puts you in a stronger position to negotiate a fairly low figure.
This is a rough template letter which you could adapt to suit your needs.
If this is the way you wish to go, you need to ensure that they will never chase you for the remainder nor sell it on to a DCA. Also as part of the settlement, they clean up your credit file. Not just a part settlement or full settlement-all data gone.
If, after I have said all that, you can't afford an F&F then there's not much more they can do to you apart from stuffing your file
If you are asked to deal with any matter via private message, PLEASE report it.
Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
No CCA What next??
CO-OP no CCA PLEASE HELP
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Originally Posted by 42man
