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1 out of 8 CCAs so far, need some advice on DCA?

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This is only my second post, but have been avidly reading through the website for weeks now. So much great advice and many thanks for all the hints I have picked up.


So, further to my initial finding of this site, I have entered into a DMP and sent CCA request to all 8 of my creditors. There are still a couple of days to go before the 14 days is up, but I am still receiving phone calls from Mercers and court threatening letters from Solicitors on behalf of Capquest/Vodafone. From what I can gather the accounts should be on hold following my request? Are they allowed to contact me (hound me for money) in the interim?


I know the requests have been received by these two companies several days ago. What is my legal stance?


Also, if they default on my CCA request can I hold my payments to them after the 14 days?


Finally, a longer term question, if a CCA cannot be provided at all, is there anything I can do about Defaults, etc entered onto my Credit Score?


Any advice is greatly appreciated! Many thanks :)

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Vodafone unfortunatly dosent come under the CCA ....... as for the rest hopefully by me posting it will bump your thread and others may step in :)




Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)


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I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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Hi Reddarla, I am fairly new on this site as well ,and hopefully you will get some of the more informative members helping you , but from my understanding , DCA have to show executed true copies of the cca agreement, if not they then have problems,they have 14 days to provide copies and after a further 1 month they would have committed a offence. There are numerous mailings onthe site with regards to harrasment from DCA and i would pick a letter to send to all after 14 days are up .


Do not forget to record delivery all and sign none of them


Create a audit trail for all debts and keep anything send by dca.







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