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Sent a CCA request to a DCA employed by Next in February, £1 cashed and no CCA provided.


[EDIT] have started calling me and I have spoken to a manager today who has stated that catalgue accounts are not covered by the CCa 1974 and they will start legal action forthwith.


1. Why did they accept my payment and state they were asking their client for a copy?


2. Are catalogue accounts covered by the CCA 1974?


3. If not, why are they unprepared to supply the terms and conditions?

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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bang on SP, they are one of the most arrogant [EDIT] I have come across.


tiglet just ignore everything and NEVER telephone them and request they not to ring you. mind you this is harassement in i not mistaken, "trying to enforce a debt they legally not entitled to"

If my advice has been helpful please feel free to click on my scales :grin:


Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)


Debt Collection Agencies & Statutory Demands, a few strategies


Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514


PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Oh dear.

Yes catalogue accounts ARE covered by CCA as Next have come to realise time and again.

Now as mentioned NEVER call these "people" as they will say anything to get payment from you.


I'd wait for their next letter and see what they are going to do from there.

Another case of a DCA talking urine and wind ;)

Be VERY careful whose advice you listen too

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And I have corrected the intermediate titles and removed libelous comments.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.


Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.


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  • 1 month later...

Got my next letter - the "Notice of Legal Proceedings".


Oh dear - bring it on RW - I'm just in the mood at the moment.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Go Tiglet

Hope this might prove to be a bit of a moral boost for you:



They gave up in the end, Catalogues ARE covered by the CCA!!

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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Oooooo I love RW&c legal notice.


Here's a nice letter for them (cheers TT)


Account In Dispute


Dear xxxx,


I acknowledge receipt of your notice of intended legal action sent by your company on 3rd July 2007 which was received on 6th July 2007.

Please be aware that any proceedings will be extremely vigorously defended and that a counterclaim will be made against ** DCA **. I am unable to respond further at this time, since you have given me inadequate information to investigate the claim. Please note that under the Overriding Objectives, you have a duty to act reasonably at all times.


As you are aware, under the pre-action protocols of the Civil Procedure Rules, your letter before action should have included the following information:

4.3 The claimant's letter should —

(a) give sufficient concise details to enable the recipient to understand and investigate the claim without extensive further information;

(b) enclose copies of the essential documents which the claimant relies on;

© ask for a prompt acknowledgement of the letter, followed by a full written response within a reasonable stated period;

(For many claims, a normal reasonable period for a full response may be one month.)

(d) state whether court proceedings will be issued if the full response is not received within the stated period;

(e) identify and ask for copies of any essential documents, not in his possession, which the claimant wishes to see;

(f) state (if this is so) that the claimant wishes to enter into mediation or another alternative method of dispute resolution; and

(g) draw attention to the court's powers to impose sanctions for failure to comply with this practice direction and, if the recipient is likely to be unrepresented, enclose a copy of this practice direction.

I note that your letter failed to enclose copies of the essential documents upon which you will seek to rely, failed to ask for acknowledgement of the letter, failed to ask for a written response within a reasonable period of time, and did not draw attention to the courts powers

to force all parties to comply with the practice direction.

I intend to provide you with a full written response, but as yet I have not got adequate information to investigate your claim.

To enable me to investigate this claim I require specific information regarding the account to be provided forthwith. Given that this matter is now the subject of legal proceedings, you are obliged to disclose under the Civil Procedure Rules, the information and documents detailed below.

If you fail to disclose this information, I may apply to the court under Part 18 and part 31 of the civil procedure rules.

I will be unable to respond to your claim without this information, and by failing to supply it before starting legal action you would breach the overriding objective of the Civil Procedure Rules.


Request for disclosure;

I request that you send me information vital to investigating your claims, including:

1. A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. All records you hold on me relevant to this case, including but not limited to:

a. A transcript of all transactions, including charges, fees, interest, repayments and payments and both the original amount of the loan and any repayments made to it the account.

b. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor.

c. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual

intervention in relation to my account formerly held with ** CREDITOR **.

d. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

e. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

f. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

g. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

h. A genuine copy of any deed of assignment, or proof that you have a legal right to this money.

i. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

j. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

3. Any other documents you will seek to rely upon in court.

4. A copy of your complaints procedure, as required by the Consumer Credit Act 2006.

5. Clarification of the date you acquired the debt, what organisation you acquired it from, their registered office, their company number (if any) and what legal title they had to this debt, and what credit license number they had at the time that the debt was purchased or entered into.


Please note, I will respond to your claim in full within 14 days of your providing this information. I must advise you that if the information is not forthcoming, or if you start proceedings without furnishing this information, it will be reported to the Court that you are denying me the opportunity to settle this matter amicably.


I would appreciate your due diligence in this matter.


I await your rapid response.

Yours Faithfully,

Be VERY careful whose advice you listen too

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