Hi

Looking for opinions, I have credit card accts with RBSboth long ago defaulted and terminated and then the normal DCA to DCA. I am able to make small payments now but I not willing to do so via the current DCA. If I pay direct to RBS (who have confimed the debt is still theirs) what is the possible outcomes. What is the DCA likley to do as well as RBS?

Kind regards

have you cca'ed the dca?

dx

I have yes, one they acknowledged and said would be intouch - nothing for about 6 weeks now! the other goes back many months where they believe they have compleied with the CCA request but they did not, in my humble opinion.

6 weeks...........they have 14 days!

fire off the failure to comply letter

dx

I will do that but in terms of paying the debt, is paying the lender directly instead of the DCA - is there any downside or am I likely to cause myself any issues?

you are missing the point........

you pay no-one until you know they have the paperwork to LEGALLY demand payment from you

as it stands, your CCA request has not been met.

in these circumstances, the normal MO is to send the failure to comply/ ac in dispute letter and stop payments [had yo been making them].

now, how old are these debts........

when was YOUR last financial in/out on them.

they could well be statute barred.

dx

I have not paid a penny to either of the two DCA's concerned due to previous CCA requests being ignored and being mved from DCA to DCA (3 on one card and 5 on another), and I will not pay until they prove it, however, the original debt stands and will eventually have to be paid (both credit cards) hence my suggestion to make small payments to each but directly.

Both debts are on account taken out about 5+ years back with no payment to either for over a year.

pers i'd wait for them to sell the debt on, then offer a very low F&F

for the one that you are disputing the CCA

we need to see that, unless you are conf it IS un-en.

have you looked at reclaiming?

unlawful charges & mis-sold PPI? BTW

dx

A question re the CCA. Is this on a per DCA basis, i.e. I send the original request via one DCA who past to RBS who reposnded with a copy of the T&C's claiming that is all they need send together with a statement. As I understand this, they have not complied but they think they have and I told them this. The DCA has changed a number of times since and therefore I have CCA'ed the latest who have written to confirm this has already been complied with - so my question, are they correct to state that in princiapl this has been compleied with albeit by a different DCA or do they themselves also have to supply as the latest DCA has not in effect proven they have the right to collect?

Regards

TBH it sounds like you are on a phishing list

time to ignore everyone till a valid cca appear

i'd certainly not pay anyone anything

keerp us informed.

dx