Hello,

Long time lurker here looking for some help please.

Thanks to the advice to others I have read here I have learned sooooo much!

I defaulted on three credit cards in 2008 and have been paying £1 per month to each since then. They have all been sold on multiple times.

Current situation:

MBNA £17000 now with Capquest

HSBC £3000 now with Robinson Way

MORGAN STANLEY £8000 now with Cabot.

I know I've been an idiot and it's all my own doing.

I sent all three Cca requests on monday, unsigned with POs.

What happens now?

My token payments are due on 17th - do I keep paying?

Thanks so much for any advice.

This site is brilliant!

Gettingmyselftogether (I'm giving it a shot anyway!)

They have 12+2 days to provide you with the CCA's, once they fail no pay.

Even if they write to you saying that they are requesting them from the OC doesn't matter, once the time is up, you can stop paying.

How much are these 'token' payments? I hope £1 a month?

Yes, all £1 a month. I need to watch the calender then.

Thanks for replying!

Yes, all £1 a month. I need to watch the calender then.

Thanks for replying!

Excellent WELL DONE!

(Apologies, I failed to read your post fully!!)

I make it 18th May when you should expect a response.....whilst the agreement is in place IMO I would make the payment on the 17th yes, once the 18th has passed and'or they fail to provide then you will be legally able to withhold all payments until such time they magic up the CCA's.

Did you take all of these out pre 2007?

Thanks so much for this.

Yes they are all pre 2007. MBNA was 1998 and the other two were 2002/3. Is this important?

I really appreciate your time and help. Thank you!

So they must provide a copy of your signed agreement at the correct address for that time and the correct t&cs...pigs might fly here

Thank you dx100uk. Your knowledge and help is so welcome!

I'm daring to hope that there might be some light at the end of this particular self-made tunnel... Fingers crossed.

Thank you for your help.

Dx, if you're around, can you say why you think my debts might not be enforceable please?

I know you can't know about individual cases, but reading the threads here you know loads about cca requests and unenforceable debt, absolutely loads.

Since I read your "pigs might fly here" I've not stopped thinking that things might get better for me soon.

Do you really think - no guarantees I know - but do you think I might be in luck?

Thanks again.

In a nutshell...

Any agreement pre 2007 MUST be a copy of the 'ORIGINAL' because during 2007, they sorted their act out and realised consumers were wising up to their dirty tricks and asking for sight of the agreements, which most didn't have, due to their shocking filing.

Post 2007, most agreements are pretty watertight, some are taken out online, where a 'tick box' replaced signatures, AND new legislation came out which allowed them to produce a 'reconstructed' agreement (CCA) to make them enforceable in court.

Pre 07 without the 'original signed' CCA, means no legal action can be taken to recover the money, ie, no court because they would need to show the judge the original agreement (CCA).

The older the agreement, then the more chance you have of them having lost the original docs, and therefore increases the likelihood of them blagging it by claiming a recon is all they need to enforce.

This then puts you firmly in the driving seat.

Thanks Bazooka Boo, that's great and I appreciate your clarity. Still daring to hope but not counting my chickens yet.

I reckon I will sleep better tonight though.

I don't know where I'd be at the moment without this site.

Thanks for taking the time to help.

I really appreciate it.

In 99% of cases we find better than 90% of debts over 10 yrs old are cash cow accounts

Thanks Dx.

What's a cash cow account please? Sorry to be thick.

Thanks again.

Paying a dca!!

In the dca milking parlour...cash cowed!!

No need to pay at all you got spoofed by threatograms

Dx so fab! Thanks for this.

I'll get out of your hair now and come back for more smart advice when the letters start coming in.

Thanks indeed to everyone who's helped me on this thread.