I knew it!!!! The adress was marginally different! Thanks so much for your help with this. x

Hi All, Please help - I'm very confused. Back in April 08 I wrote to Equidebt requesting a CCA and they never replied so I assumed all was sorted out. However, I received a letter on Saturday from CAS (Credit Ancillary Services) demanding the payment, saying they have taken over the debt from Equidebt. What do I do know? Many Thanks

Charges such as what?? Sorry for my ignorance!!

Ah, thanks for that. As far as I know I didn't have any charges or PPI on that loan so probably best to let sleeping dogs lie! Thankyou again.

Hi there, Would really appreciate your help. 6 months ago I was isuued with a CCJ court request for a debt I owed from 10 years ago. I had been paying this monthly but having missed 2 months, the DCA issued the CCJ request to the court. At this point I had not come across this site and so I borrowed £3000 on my friends credit card and paid them in full to avoid a CCJ. I now realise I should have asked them for a CCA!!! Could I write to them requesting this and then take them back to court to get my money back?? Long shot but I now have £3k on a credit card and this is being paid of at a minimum per month Thanks

Hello, Strange request but would really appreciate your help. 6 months ago I was isuued with a CCJ court request for a debt I owed from 10 years ago. I had been paying this monthly but having missed 2 months, the DCA issued the CCJ request to the court. At this point I had not come across this site and so I borrowed £3000 on my friends credit card and paid them in full to avoid a CCJ. I now realise I should have asked them for a CCA!!! Could I write to them requesting this and then take them back to court to get my money back?? Long shot but I now have £3k on a credit card and this is being paid of at a minimum per month Thanks

It was a personal loan. I paid the debt company 2 months ago but have now ceased payments until they produce CCA. Ta

No it's Equidebt. The debt is from Abbey 10 years ago. Thanks

Thanks Jogs. Will they return any monies paid or not?

Hi There, I applied for a CCA 2 months ago, have followed their non communication with another letter to say they are in breach of their contract and that I will be taking action against them in 14 days without prior notice. They have replied to say they are still awaiting the original CCA from the lender and will be in touch shortly. What do I do now? Send a solicitors letter? Thanks

Hi There, I applied for a CCA 2 months ago, have followed their non communication with another letter to say they are in breach of their contract and that I will be taking action against them in 14 days without prior notice. They have replied to say they are still awaiting the original CCA from the lender and will be in touch shortly. What do I do now? Send a solicitors letter? Thanks

Hi There, It's for an unsecured loan.... Thanks

Hi, I've just requested a CCA and I signed the letter!! Will this matter???

Thanks so much for this info. So basically after 12+2+30 days they can't do anything??? Do I have to do anything after this?

Many Thanks. So do I speak to them in the meantime as they have called me twice since I sent the request? And once the 12+2 days has elapsed will they write to me? I have to wait another 30 days and then what do I do? So many questions! Sorry and Thanks

Hi There, I'm new to this site and have been reading your most helpful posts. I have a debt with EQUIDEBT and recently they have been calling me on the 01789 number and hanging up etc - I called them back and they have said they want a lump payment if possible.... I read on here that I can ask for a copy of my CCA from them so have posted a request with the cheque to them on 10/4/2008. The debt has been passed from Abbey to Heatons and then to Equidebt. The default is from 5 years ago and I have always paid it in aggrement to their terms. What do I need to do if they can't provide me with the CCA? And where do I stand? Basically what happens next?? Also something worth mentioning - it's not on my Credit file.....it's listed as debt assigned and satisfied....does this mean they can't enter anything and why have Heatons never put anything on there? Sorry for all the questions!! Thanks so much for your help. SG

Hi There, I'm new to this site and have been reading your most helpful posts. I have a debt with EQUIDEBT and recently they have been calling me on the 01789 number and hanging up etc - I called them back and they have said they want a lump payment if possible.... I read on here that I can ask for a copy of my CCA from them so have posted a request with the cheque to them on 10/4/2008. The debt has been passed from Abbey to Heatons and then to Equidebt. The default is from 5 years ago and I have always paid it in aggrement to their terms. What do I need to do if they can't provide me with the CCA? And where do I stand? Basically what happens next?? Also something worth mentioning - it's not on my Credit file.....it's listed as debt assigned and satisfied....does this mean they can't enter anything and why have Heatons never put anything on there? Sorry for all the questions!! Thanks so much for your help. SG

Thankyou I couldn't see how to do it....

Hi There, I'm new to this site and have been reading your most helpful posts. I have a debt with EQUIDEBT and recently they have been calling me on the 01789 number and hanging up etc - I called them back and they have said they want a lump payment if possible.... I read on here that I can ask for a copy of my CCA from them so have posted a request with the cheque to them on 10/4/2008. The debt has been passed from Abbey to Heatons and then to Equidebt. The default is from 5 years ago and I have always paid it in aggrement to their terms. What do I need to do if they can't provide me with the CCA? And where do I stand? Basically what happens next?? Thanks so much for your help. SG