Think that was your original response. Just wondering why haven't had any correspondence from them for so long.

Thanks dx

Nothing is currently showing on my credit file.

Mint card originally took out approx 2005

Total balance about £4k.

Had no written correspondence since April 2021.

I requested CCA in written form to aic.

I also sent written CCA request to RBS.

As far as I can remember I had a email attachment with report from RBS.

Cannot access it anymore for some reason.

Should I stop paying and see their response

RBS mint credit card.

£8.50/MTH.

Originally requested CCA from aic, they told me I needed to request it from RBS as they were the oc.

Requested CCA from RBS and they sent me a digital email of CCA agreement which they appeared to have all the credit reports and agreements.

After recieving that I have continued paying monthly as I thought that the debt was still held by the oc.

I haven't had any written correspondence from aic regarding balance owed or any statement or acknowledgement of my payments.for nearly 2 years.

Please advise on what I should do next.

Many thanks 

Aic are collecting money on behalf of RBS, I have received no post from aic for nearly 2 years. I am currently paying monthly to them. I asked for a CCA agreement 2 years ago but they told me to get in touch with RBS. Any advice

I've checked and am pretty sure app form is the same as the one I previously uploaded in this thread.

There is then print saying credit agreement regulated by the consumer credit act 1974.

Agreement between myself and cap one and then 24 different t&c's listed

The bottom of application form has a bit at bottom which says cca agreement which is signed but rest is just terms and conditions which appears basic apart from my name and address being included at the beginning 

Recieved documents back from lowell.

Returned signed application form and t&c which states agreement between myself and cap one. Letter from lowell says account on hold for 30days to review the information.

What should Bey response 

Will do , thanks

Intrum passing account on to resolvecall and arranging home visit

Any advice 

Thanks ,will send CCA to lowell and see their response 

Cause they've only just sold the debt wont cap one just give them the cca 

Should I do this straight away as change of ownership of debt was 07/10/2021.

I shall cancel my cap one s/o now, but should I make any payments to lowell in the meantime 

Hi, I have had a capital one cc debt which I have been paying for the past 12years + on a payment plan with capital one.

As the debt was still with the oc, I have not proceeded with cca requests as advised.

However today I received a letter from cap one saying that the debt has been sold to lowell. 

The letter says to cancel any s/o with cap one and set up new with lowell.

Any advice on what I should do now please.

Thanks for advice 

I'll stop payments and see what happens,  fingers crossed.

Was gonna still pay this one as you'd told me that moorcroft didn't buy debts, but appears that barclaycard cannot fulfill my request.

Thanks again 

Got old egg cc account (managed by moorcroft). As the debt has not been sold we have continued monthly payments. Received a letter from barclaycard stating that they cannot provide the cca and therefore they are unable to enforce.

Even though they are the original creditor should we stop payments now until they produce it 

So is it safe to ignore this one for now 

Sent cca requests, waited 12days for response, stopped payments to dca's. 

Some have came back as unenforceable, few left to hear from. Trying to get details from oc  .

This was response from intrum regarding Tesco cc debt

Is it ok to ignore this 

Received cca response from intrum, see attached, also enclosed photocopy of basic Tesco personal finance leaflet, notice of variation. 

Intrum account put on hold for 14days .

Please advise 

tescoappform.pdf

Ok, thanks for your help 

Apart from the application all else was attached was the letter from Barclays. And a copy of credit agreement enclosed 

agreement details.pdf

Received response from hoist saying find enclosed copy of credit agreement and terms and conditions. Downloaded.

Also copy of letter to hoist from Barclaycard to hoist saying" historic terms and conditions are attached.

We are unable to provide the varied terms and conditions. 

applicationformgf.pdf

Thanks for your reply. 

So dont answer any calls or reply to any mail.

Getting lots of calls and messages from Cabot but at minute only asking about missed payments and setting up new plans

Hi, have sent all dca's cca requests. The majority have replied that either they haven't been able to speak to oc. Or they are awaiting to hear from oc.

Stopped all payments for nearly two months now.

I have currently blocked phone calls from dca's and am ignoring letters asking for new plans to be set up.

Am I doing the right thing or should I be responding to the dca's  in any way.

Many thanks for your help