Hi all, a friend of mine( I know that old chestnut but it's true) is thinking of going down the CCA request route.|The problem is she owns her house on a mortgage.If it turns out that her CCA is unenforcible is her home safe or can the Creditor place a chargeheing order etc on her home.I believe that her mortgage payments are uptodate.Many thanks for all your previous help.

Morning everyone.I recieved this today from one of the Credit card cos.I had prev requested a CCA and recieved a CC application form instead I said this wasn't good enough etc and this is their reply I refer to your correspondence dated 29 August 2008. I regret to advise that the card agreement has been misfiled and despite searching of our records we have been unable to locate it. Our record of the setting up of the card account has insufficient detail to enable us to recreate the agreement with the required degree of certainty this course of action requires. In the circumstances we appreciate that under Section 78 of the CCA if you decide not to meet your obligations under the card agreement as they fall due we will be unable to take steps to enforce repayment of the debt. However we consider that you should continue to meet your obligations under the agreement bearing in mind that the agreement isn't void, it remains valid and your continuing default will be reported to the Credit Reference Agencies. Section 78 reference to 'unenforceable' means we are only prevented from pursuing recovery of the debt through the courts. Should further assistance be required, please do not hesitate to contact us at the above Office. Any comments, should I continue with my £1.00 per month payments and if not what are the repercussions?

Thanks Magda Sounds good advice.Will send letter today

Morning everyone.I recieved this letter on 23rd Sept.From ARC Europe acting for EGG Credit card.I have recieved a two page badly copied CCA afrom egg dated december 200.(TWO ZERO ZERO) and a second page different type face apparently signed by me in Jan 02.Statements from 2004 and some from 2006.Before I discovered this forum I sent egg and arc alist of liabilities etc and offered £1.per month I signed a DD to arc for £1.00 payable over the next 999 months I'm 60 so this will run untill I'm 143 years old.Here is extract from ARC letter How do I respond? Thank you tor your recent letter received on !"' September. Your letter acknowledges the documents we received from our dient following your request and these were enclosed with our letter of 19th August. Our instructions are that the documents, supplied are compliant and you may wish to take legal advise in this respect. Although Your letter states that you dispute the debt, you have so far given no grounds for a defence to our client's claim for the above balanceon your account. In fact, to the contrary. vou have provided us with Information as to your financial circumstances and made ten payments towards the debt. If vou deny having entered into an agreement our client or having used the credit card, please confirm this in writing in order that we may seek our client's further instructions. Would you also please specify whether you deny all or just part of the above balance? ! wil! place this account on hold for a final seven day period and would be grateful for your reply within that period. Thanks for your help.

thanks everyone.Will do as advised and leave alone.

Hi foolish girl, there 10 cca requests in all.First letters were sent 05/08/08 I then did the 12+2 letter.Todate only two have replied,RBS who sent an application form and egg who sent an unreadable and undated CCA.I replied to both of them that they were not what was requested and have heard nothing since.

Hi everyone, today is the day I was due to send the 30 day letter.Is it now agreed that this is no longer neccessary? What happens if CCA sudenly start to arrive a0 if they are in order b) if they are not in order? Many thanks to everyone for previous advice and help.

Moved this here at the suggestion of citizen b Morning everyone.A recap ,update and help sought.On 5/8/08 I sent 10 cca request complete with postal orders.19/8/08 sent 12+2 letter. SEVEN never replied ONE denied they had the account Egg sent an unreadable CCA +T&C in da different type face and RBS sent a letter dated 19/8/08 enclosing copy of CC application due to be recieved June 2001 BUT dated by me June 2002.ALL the postal orders were kept. Do I send them the 30 day letter on 19th Septemeber or is this not neccessary?Has there been a change in the law , all my cards were taken out in pre 2006.Do I continue to pay my £1 a month to the card companies ( I have never agreed any payments with DCA's. Sorry this is a bit long winded, thought I had it licked but now worried and confused again.Can someone please point me in the direction of the 30 day letter ,cant find it.Many thanks

Morning everyone.A recap ,update and help sought.On 5/8/08 I sent 10 cca request complete with postal orders.19/8/08 sent 12+2 letter. SEVEN never replied ONE denied they had the account Egg sent an unreadable CCA +T&C in da different type face and RBS sent a letter dated 19/8/08 enclosing copy of CC application due to be recieved June 2001 BUT dated by me June 2002.ALL the postal orders were kept. Do I send them the 30 day letter on 19th Septemeber or is this not neccessary?Has there been a change in the law , all my cards were taken out in pre 2006.Do I continue to pay my £1 a month to the card companies ( I have never agreed any payments with DCA's. Sorry this is a bit long winded, thought I had it licked but now worried and confused again.

sorry for not replying sooner Debs.No the letter came fro RBS Southend.I have sent them another letter asking for true copy etc. not application form .I'm still intrigued though how the application form they sent me had to be returned to them by june 2001 but was signed and dated by me june 4th 2002

I'm new to this so hope I am doing it correctly.I will try and be brief Sent cca's request to Triton (acting for RBS) on 5th Aug follow up on 19th Aug.recieved letter dated 22 aug from RBS Enclosed cc application headed "must be returned before june 2001" Signed and dated by me on 4th June 2002. A cca with no mention of RBS anywhere.No signaturesat all. If I want statements they will tell me how much they will cost.They confirm that Triton are managing my account( i.e sending demand letters) and confirm that the debt has not been sold. Do I reply to them or Triton or just wait for the 30 days before I send last letter.Paying RBS £1 per month ,do I stop?Is there any relevance in the fact that the appliction had to be in before june 2001 and was not received until june 2002? Many thanks

Ok thanks 42man

Posting this on another thread.Still not sure if I'm in the correct place. Morning all I'm new to this site so hope I'm on the correct thread.I will try and be brief Sent cca's request to Triton (acting for RBS) on 5th Aug follow up on 19th Aug.recieved letter dated 22 aug from RBS Enclosed cc application headed "must be returned before june 2001" Signed and dated by me on 4th June 2002. A cca with no mention of RBS anywhere.No signaturesat all. If I want statements they will tell me how much they will cost.They confirm that Triton are managing my account( i.e sending demand letters) and confirm that the debt has not been sold. Do I reply to them or Triton or just wait for the 30 days before I send last letter.Paying RBS £1 per month ,do I stop?Is there any relevance in the fact that the appliction had to be in before june 2001 and was not received until june 2002? many thanks

Morning all I'm new to this site so hope I'm on the correct thread.I will try and be brief Sent cca's request to Triton (acting for RBS) on 5th Aug follow up on 19th Aug.recieved letter dated 22 aug from RBS Enclosed cc application headed "must be returned before june 2001" Signed and dated by me on 4th June 2002. A cca with no mention of RBS anywhere.No signaturesat all. If I want statements they will tell me how much they will cost.They confirm that Triton are managing my account( i.e sending demand letters) and confirm that the debt has not been sold. Do I reply to them or Triton or just wait for the 30 days before I send last letter.Paying RBS £1 per month ,do I stop?Is there any relevance in the fact that the appliction had to be in before june 2001 and was not received until june 2002? many thanks