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SAR and DCA requirements


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Hi

 

Is it fair to say that if a DCA cannot (or will not) supply you with your signed credit agreement, as per a Subject Access Request, then they cannot enforce an alleged debt?

 

Also, is it true to say that there are no circumstances under which they don't have to supply the agreement. I am being hassled by Ruthbridge for a debt (the agreement was terminated in December 2006) but I want them to supply the agreement - they will tell me dates but won't supply the original agreement (I'm guessing this is because they don't have it!)

 

Any advice appreciated.

 

Regards

C

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Hello and Welcome, C.

 

If after sending the DCA a CCA request and they do not comply, the 'alleged debt' becomes unenforceable in a court of law.

 

The CCA request is letter 'N' in the library.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Send this with a £1 postal order, recorded and don't sign it ;)

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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why should I not sign it?

 

It has been 'alleged' that some signatures somehow 'magically' appear on CCA's after they are requested ;)

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I know, shocking :eek: Almost unbelievable :p

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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