Me again. Trying to sort out my partners debts.

He's got a debt with Opus and is being chased by 1st Credit.

Sent off a CCA request on 28 October

on 21 November got a standard letter saying that they are aware a dispute/query has been raised and they would contact the original creditor in order to request any information they hold but it may take several weeks for them to gather this information.

Can I presume that they haven't got the original CCA?

I'm not going to suggest any response to them anyway.

The other question is all correspondence goes to his parents house which he only goes to every couple of weeks.

Is it safe to request that all correspondence is directed to his new address?

Until they provide a compliant response, you ignore them.

opus are citi

and they'll never get an enforceable CCA out if citi there are none

esp if its years old.

when was the card taken out?

dx

What address is on his credit file?

You need to ensure that they cannot obtain a CCJ via default, ie, sending court claims to his old address.

Not that a CCJ is likely, but they use underhand tactics, and if they get so much as a sniff that they can obtain a judgement by default, they won't hesitate.

opus are citi

and they'll never get an enforceable CCA out if citi there are none

esp if its years old.

 

 

when was the card taken out?

 

 

dx

What address is on his credit file?

 

You need to ensure that they cannot obtain a CCJ via default, ie, sending court claims to his old address.

 

Not that a CCJ is likely, but they use underhand tactics, and if they get so much as a sniff that they can obtain a judgement by default, they won't hesitate.

Card taken out in Feb 1999

Currently his old address is on his credit file but he has now just registered at mine on the electoral roll so that will show next month

Well as they are unable to produce the CCA, then ignore, don't enter into letter tennis with them.

was the cca send from where he now lives?

was the cca send from where he now lives?

No, it was sent from the address registered with them. It would be much easier if post came here though as it could be opened more quickly

then send a new CCA request from the correct address

then they have it and cant argue

nor get a backdoor CCJ

Soooo Nothing has appeared yet from anyone.

1st credit have however sent a few texts and emails to partner requesting him to contact them.

Is there a template letter telling them to back off until they can produce proof of the debt?

no just invites letter tennis.

dx

Mark the emails as Junk, and forward the text messages to 7726 (SPAM on your phones keypad)