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Any advice on a few questions please?

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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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Hi reddarla


They are entitled to persue the debt, not harass you, until they are in default of a CCA request, 14 days, see here


If they default you are not obliged to continue paying for an unproven debt whilst they remain in default, see here


The issue of defaults is not cut and dry, see here



i would also stick to this one thread for advice





"Every day, and in every way, i'm getting better and better" - Chief Inspector Dreyfus

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