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    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
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CCA requests - whats the next step?


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Hi,

 

This is my first post so please forgive me if this information is available elsewhere on the forum. I have read the CCA request threads, but its all a little confusing.

 

I have requested CCA's from various companies, a couple have responded, awaiting others.

 

Capital One have sent me a general terms and conditions of my account (its about 7-8 years ago I applied for the card), nothing with my signature, so it may not be enforceable.

 

My question is, what do I do now? Do I write back to them and ask for a true copy with my signature? Tell them I do not believe the debt is enforceable and until they can produce a signed agreement, I won't pay? or just ignore it and wait and see what happens?

 

Many thanks

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Hi this is my second post, so echo the above-sorry if I have made a forum faux pas-I`m a bit nervous at the moment.

 

Just sent my first CCA to MBNA this morning after a rather awful telephone conversation with a woman there threatening me with various different things.

 

I`m about to do this with Egg too. I had thought they had all been told to behave and give us some room to repay buit these two companies aren`t.

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Lollipop - send them the telephone harassment letter if you think it would make you feel more comfortable and if they ring just state you have asked for anything in writing. As for the email - just make sure you keep a copy you have a right to wait for the CCA if it has been requested and you do not need to ring them. When the 12+2 days are up and they are still contacting you then send them the account in dispute letter

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Will do-thanks again. It is a worrying step to take when you are unused to the process.

 

I`m keeping a copy of everything they send me,the fact that they would just deny an over the phone arrangement is what prompted this step. Hard to believe they don`t understand, or rather don`t want to understand that they can`t have what I haven`t got.

 

 

Thanks to you and other people here I feel a helluva lot better. It means a great deal to me.

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I know how you feel. I CCA'd one company that used to harass me on the phone who actually told me to borrow money from my parents to pay the bill when they finally got it through their head that I was on benefits and couldn't pay anything. After going through my I & E with them they told me to reduce my clothing allowance to pay them £20 a month. I been paying for over two years then found this site through another debt and decided to CCA them - the deadline is today and so far nothing (although not had the post yet) but if they do provide it I will renegotiate my payment as there are some days where all I eat is my youngest childs dinner!

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  • 3 weeks later...

Hi I am now composing my next letter as I have had no response from them. I do keep getting them calling me but now I let the answer mach pick everything up and only pick up when it isn`t them.

 

I just am checking that I`m right in that the 8th is the day I send off my you are now in default letter.

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You need to count 12+2 days for them to reply to the cca request.

 

It is up to you if you want to send a default letter - some people suggest this may jimmy them up a bit to look for the original agreement. Did you send the cca request by recorded delivery or get proof of posting?

 

Personally I would just send the telephone harrassment letter

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They must have been reading my mind-whilst I was scouring the site looking for a template the postie cam and there was a large brown envelope from MBNA.

 

Just looking through it all and the first thing I notice is that there is no copy of my signature anywhere on the thing, I will scan it and put it on here removing any identifying info.

 

But-it looks like this is unenforceable at first glance.

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