CCA request

Kazzy77 · 24th September 2006, 09:32

Hi All,

can anyone please tell me how i request a CCA from DAF? I know I have to send £1 but can anyone help with the wording and let me know how long they have to provide the service please?

Thanks

KAZ x

JonCris · 24th September 2006, 09:53

Why Daf? We need more info

Kazzy77 · 24th September 2006, 10:00

We have a car from YCC and wanted all the paperwork they have as Im not sure we have everything. We are going through CAB and trading standards at the moment and they want to see all the paperwork we have as we were mis-sold a PPI and told we needed £800 for car deposit that actually went to the PPI and not the car at all.

So now i want to request the contract they have etc.

Any help would be much appriciated.

x

JonCris · 24th September 2006, 10:12

DAF is a Dutch manufacturer of trucks.

If you want docs from YCC then send them the letter to them although I think it will be redirected to the Provident who are the actual lenders to YCC customers which as we know has gone bust

Kazzy77 · 24th September 2006, 10:15

i thought it was Direct Auto Finance I needed to approach? hence daf. ok, Im confused now lol

v_j_r · 24th September 2006, 14:11

Look for the sub prime companys that are actually taking the risk (financing) such as CAC credit acceptance corporation worthing sussex?.

Kazzy77 · 24th September 2006, 17:51

OK this is baffling me now. We already have the car...have the finance and are paying the car off. Bought it from YCC 2 years ago but they are now gone and i need to know where I go to in order to get copies of all the paperwork and contracts regarding the HP we already have.

We have some paperwork but im not sure if its everything so was under the impression i could get copies by sending £1 and a cover letter to whoever. wanted help with the letter and where it goes to but the responses i am getting are making me more confused than when i originally posted.

Can anyone help please?

Kaz

x

bakedalasker · 24th September 2006, 19:48

Data Controller
Direct Auto Finance
Springfield House
Springfield Rd.,
Horsham
West Sussex

Kazzy77 · 24th September 2006, 20:17

Many Thanks Baked

Does anyone know how long they have to comply with my request?

I have looked for a template on this site for this request but cant find it so if anyone has done this I would really appriciate a bit of help with the wording.

Thanks

Kaz

buzz · 24th September 2006, 20:24

If it is a Subject Access Request Notice (SARN) you require, there is a maximum charge of £10 , although occasionally some companies do not charge.
Send you request to the address above in the post by Bakedalasker.

They have to comply with your request within 40 days.

I am sure there is a template for the letter on this site. However, I think it is worded more for a letter to the bank.
Obviously you would have to change the wording accordingly.

Hope this helps,

Buzz.

Kazzy77 · 24th September 2006, 20:28

i read somewhere it was called a CCA or something very similar but I havent been able to find the post again.

its for copies of contract and other bits, not actually a breakdown of whats been paid etc. would an Subject Access Request include the contract?

I need it for taking action against them but trading standards want to see all papers and im not sure i have it all.

bakedalasker · 24th September 2006, 21:31

Quote:

Originally Posted by Kazzy77

i read somewhere it was called a CCA or something very similar but I havent been able to find the post again.

its for copies of contract and other bits, not actually a breakdown of whats been paid etc. would an S.A.R - (Subject Access Request) include the contract?

I need it for taking action against them but trading standards want to see all papers and im not sure i have it all.

Its the fully monty Kazzy77. Although dealing with DAF dont be surprised if they dont give you the full monty.

You are welcome to use this specific template for SARN DAF:-
www.saynotoyes.co.uk -> Template For Sarn

JonCris · 24th September 2006, 22:13

Quote:

Originally Posted by Kazzy77

i read somewhere it was called a CCA or something very similar but I havent been able to find the post again.

its for copies of contract and other bits, not actually a breakdown of whats been paid etc. would an S.A.R - (Subject Access Request) include the contract?

I need it for taking action against them but trading standards want to see all papers and im not sure i have it all.

The CCA & the Subject Access Request are to different demands but with simular end results.

After receiving your CCA demand if they don't supply true signed copies of your agreement & a statement within 12 days they are in default & if the defauklt continues for 30 days thereafter they commit a criminal offence. Once in default the creditor or it's agents cannot enforce the agreement by demanding payment. After the additional 30 day period the agreement is rendered unenforcable unless allowed by a court

They have 40 days in total from receiving your Subject Access Request to complying & if they don't you report them to the Information Commissioners Office who should demand they comply

Kazzy77 · 25th September 2006, 13:13

Thanks a lot Bakedalasker and JonCris.

I am going to write requesting the CCA with a £1 cheque. I hope that is correct. Have no clue how to word it but will make it up as I go along lol. Thanks for the help.

x

chopperclaire · 26th September 2006, 17:32

If I remember rightly the template letters are in "default removal" section in the Legalties Forum or in the Debt and Bailiff Forum (one or the other)

That should provide you with the info on the timescales and also the fees etc.

I

Kazzy77 · 17th October 2006, 20:42

ok i have finally sent off CCA request and am waiting for the 12 working days to be ticked off the calendar.

will keep u all posted as i am sure i will need some help soon lol.

xx

Kazzy77 · 17th October 2006, 22:34

i do have a question about our ppi...

o went thru my documents and found a leadlet about selling the ppi we were forced to have and in the leaflet it says that u can get the ppi if:

you are employed
you are a perminant resident in the uk
cant remember what number 3 was..

me and hubby jointly own this lovely debt but at the time i wasnt employed and he wasnt a perminant uk resident. would they just argue that he was employed and that i am a uk resident?

Karnevil · 18th October 2006, 10:24

Hi Kazzy - they probably would argue that if the the debt is in joint names.

You have done right with the CCA letter. The agreement should have the PPI info detailed on it and there are probably tick boxes to confirm you resident status and employment etc.

Have you sent a Data Protection Act S.A.R - (Subject Access Request) to them as well ? That should turn up anything else including your transaction history with them. Which should show where your initial deposit was allocated and if they have been charging interest on the PPI.

HTH a little tiny bit,

Karne
x

Kazzy77 · 18th October 2006, 13:45

thank you for the quick reply Karnevil.

I havent done the Subject Access Request for this, only the CCA request (just got back from post office

). do you think i ought to?

I wanted to ask, YCC and DAF are a particularly nasty bunch (in my understanding) so wondered if anyone else have had a rough ride dealing with them complying with CCA requests?

Im assuming they will be able to provide the signed copies properly whic

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