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Help required to a couple of questions


frankgallagher
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Hi, finally got around to being ready to request from CBS Trans-com a S.A.R & C.C.A.

Basically we started a loan back in the 90's for approx 10k with Universal Credit, got into problems and was helped out by the cccs. The loan changed from the original loan company to Paragon and then recently to Arrow/CBS. We have always made our payments through the cccs.

We worked out that we've paid approx 12k back but according to CBS we still owe approx 22k.

I am now going to request a SAR and CCA using the examples from this site.

 

The question I have are;

 

1. What is the maximum cost for the SAR & CCA? I believe its £10 each. CBS said the don't charge a fee???

2. What is the response time that they have to adhere to for these separate requests?

3. What happens if they fail to respond in to these in time?

4. What happens if they can not provide a copy of the CCA?

5. Who regulates CBS Trans-com?

 

Any help would be gratefully received.

Thanks Frank.

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Hi Frank....

Yes the maximum is £10....

For the SAR request it is 40 days...

For the CCA it is 12 working days + 2 days grace (for them to default) if another 30 CALENDAR days go by without them sending you the CCA then it is an offence under the Consumer Credit Act....

If they don't respond inform the Information Office Commission, Trading Standards, your local MP and OFT....

If they cannot supply a CCA, then your debt is unenforceable by law....

However you sound like you may have a serious amount of charges/interest to claim back....

I don't think they have a regulator, the OFT polices the Debt Collection Agencies....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

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Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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I think it is pretty disgusting that you have paid 12k back on a 10k loan and they are telling you you owe £22k.....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Thanks very much 42man & sytra.

I have put a letter together requesting a SAR and CCA and will enclose P.O's for £1 & £10. I will also send this recorded so someome one will have to sign for it. And yea it stinks that they want so much back. Lets see where this leads.

Thanks again, Frank Gallagher.

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Thanks very much 42man & sytra.

I have put a letter together requesting a S.A.R - (Subject Access Request) and CCA and will enclose P.O's for £1 & £10. I will also send this recorded so someome one will have to sign for it. And yea it stinks that they want so much back. Lets see where this leads.

Thanks again, Frank Gallagher.

 

A side point here, but if you specify under the SAR that you want the original signed agreement then as long as you are happy to wait the 40 days you do not need to pay the extra £1 as the SAR requires ALL info held to be supplied. Just as often is the case the banks...forget...to include them...

 

Good luck,

 

Penfold

Penfold

(feel free to click the scales on the left if I said something that helps)

Due to recent issues I have had....

All posts written by me and involving my opinions and written without any legal knowledge are....

Without Prejudice

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