Hi

Today i received a letter from a DCA called C.A.R.S (Creditlink Account Recovery Solutions),

they state that they will be attempting to visit me at home within the next week to

'Establish Reasons For Non-Payment' to an old Monument Credit Card (balance of £620.21) which must date back to at least 4 years ago.

I have responded by sending them a letter back requesting all communication to be made via letter and no doorstep callers and will immediately follow up with a CCA request.

However i've just looked at my Credit Report which lists everything but for some reason this debt is nowhere to be seen on it, what does this mean and is it to my advantage ?

many thanks

yes very much to your advantage.

cars are a very low life lot

usual only chase lemon debts that are SB'b years ago.

tobe sure i'd get several cra reports

dx

thanks DX, much appreciated

It's a shame you've replied to them, they will be all excited now running round like little children thinking they're going to get some money.!

Hi Guys

Am looking for abit of advice.

Last month i recieved a letter from a DCA called C.A.R.S threatening Doorstep visits regarding an old Monument credit card debt.

I responded by writing to them requesting all contact to be made in writing and also requested a CCA (i used the template letter from the CAG library)

Today i recieved a letter from Monument (who i didn't think existed anymore) with a copy of what looks like my original credit agreement dated 20th September 2003 and a copy of the original T&C's.

Where do i stand with:

1- the age of the debt

2- do Monument even exist anymore

The letter also says that C.A.R.S will be servicing this account and they will provide me with a 'Statement Of Account' and that they consider the Credit Card Agreement to be fully enforcable and that there is no dispute, is this actually the case ???

Any help or advice on my next move would be very much appreciated

thanks

OK so they have nearly complied with the CCA request apart from the statement.

When was the last payment you made on this account to anyone?

Why do you feel it may not be enforceable?

to fully comply with an s78 request they need to provide you with..

A copy of the CCA or reconstruction

Terms and conditions from inception

Terms and conditions - current or at default

Statement of account.

Are CARS acting as agents for the original creditor or has the debt been assigned / sold to them ?

If someone does turn up on the doorstep.. then just tell them to go away.

to fully comply with an s78 request they need to provide you with..

 

A copy of the CCA or reconstruction

Terms and conditions from inception

Terms and conditions - current or at default

Statement of account.

 

Are CARS acting as agents for the original creditor or has the debt been assigned / sold to them ?

 

If someone does turn up on the doorstep.. then just tell them to go away.

Hi CitizenB

Thanks, Monument have sent me all of the above apart from the Statement of Account which they say C.A.R.S will forward to me.

i have checked my credit report to see who the owner of the debt but it dosn't come up on there. Monument have just said that C.A.R.S are dealing with the account so i don't know if they've brought the debt or are just acting on behalf of Monument.

They claim that i owe approx £600, would they take me to court for this amount ?

OK so they have nearly complied with the CCA request apart from the statement.

 

When was the last payment you made on this account to anyone?

 

Why do you feel it may not be enforceable?

Hi ims21

The last payment made was approx 4 years ago, do you know why would Monument not send out the Statement of Account with the credit agreement etc and leave the DCA to do this ?

many thanks

i would guess that you were defaulted more than 6yrs ago and its fallen off your cra file

having an enforceable cca

does not mean you owe the money they claim as such

i'd suspect youll have monuments

payment break plan [ppi]

and prob loads of £12 or more PENALTY charges

both of which can be reclaimed

i'd SAR monument.

kight be a waste of £10

but monument are known to keep records for longer than 6yrs.

dx