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dive1082

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About dive1082

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  1. I will post them tomorrow and update you with their replies. Many thanks for the help Brig.
  2. Would something like this do Brig: Thank you for your letter dated 13th December 2011, the contents of which have been noted. I would like to formally complain regarding this account as I do not recognise this account or debt. As you are unable to provide me with the copies of the original signed credit agreement, I can only assume that this matter is now closed. I would also like to complain that according to my recent copies of my credit file, this account is showing as a separate credit account that is in default. This is in addition to the account that is in def
  3. Thanks Brig. Do you know if there is a template on here or should I just write it ad hoc?
  4. This looks like thats what they are saying Brigadier.... Is there a way to get this off my credit file as this is a disputed credit agreement? Also, this is a duplicate agreement on my file as the original creditor is showing as well as this DCA and both are in default which makes it double bad.
  5. Hi all, I have had a response from one of the DCA's regarding the 12 day letter I have sent. Does anyone know where I can upload this for all to see and advise me on it? I have uploaded them as an attachment but don't know if theis is showing on here. Regards Dive1082 Cabot response to 12 day expiry.doc
  6. Hi all, Does anyone know how I would go about trying to get these removed from my credit file? Is this possible? This is the bit I am interested in as it will make no real difference if it stays on my file even if I pay it or not. I don't know what the process is now that the DCA have failed their statutory duty. Anyone help out?
  7. Dear all, After sending the letter to the DCA's telling them that they haven't provided me with the copy of the agreement within the timescale, I have received 5 letters (all identical) from one of them. The letters go like this: "Dear XXXX" We are waiting for your credit agreement I am afraid we have not received a copy of your credit agreement from XXXXX yet. They are still trying to retreive it from their archives. We have placed your account on hold until we receive further information. When we have received it from them, we will post it to you straight away.
  8. Hi all, I have sent this letter today to the DCA's and will keep you updated of their response. "Dear Sir/Madam, RE: ACCOUNT IN DISPUTE − Account/Reference Number Thank you for your letter, the contents of which have been noted. You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account. On XXXXXXXXXI made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/78. This was acknowledged by you in your recent letter.
  9. Many thanks indeed Brig, I'll get them off tomorrow.
  10. Many thanks Brig. Would this be admitting the debt? Do you know where I stand now that the company's haven't supplied me with the agreements in the time limits?
  11. Hi, I've written to the CRA's but they have written back stating that the DCA's and CC company's have stated that the information is correct and I have write to the DCA's etc. I have done this but have had no response. I have also written asking for the copies of the credit agreements, again, they have not supplied this. The 12 days plus 2 is now past and I was hoping to find out what my next steps would be?
  12. Hi thanks, I'll check the dates. But should I have seperate accounts for the DCA'S and the original Credit company's? This now looks like I have defaulted in 12 accounts. Also, does anyone know what my next step is after sending the letters for my original agreement?
  13. Hi Citizen, Yes this does seem to be the case, however, it does now look like I have double the amount of accounts that have all defaulted which is not the case. The DCA'S have all failed to send me the requested copy of my signed credit agreement within the statutory time so I was wondering what my next options are.
  14. Hi Silverfox, I wrote the CRA's but they have come back and said that the DCA's have stated that the information is correct and that I have to deal directly with them (DCA's). I had 6 defaults by the CC company's but these show as settled. There are now 6 accounts showing from the DCA's that are the CC accounts that have been sold to the DCA's which are now showing as defaults. This makes a total of 12 accounts that have been defaulted but in reality, there were only ever 6 accounts.
  15. Hi Bazooka, What do you mean by failed letter? Do you mean send them the next step letter re failing to provide the agreement?
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