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Anyone been successful going down the CCA route so far


lollipop73
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Hi,

 

I am need of hope really, and I was wondering if any of you have any success stories. Anyone had a debt "overturned" or written off as a direct result of going down this road. I`m still at the start and feeling glum.:(

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Quite a few have, I for one have had my file closed with Lowells because they don't have a CCA. The debt hasn't gone away, they just can't enforce it.

 

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Hi Lollipop,

 

There are a good few success storys here for you to read :-

 

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/

 

Lex

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Dont forget those mountains get smaller with each little step you take :)

 

Lex

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Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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We have had 1 success out of 13 so far. NatWest had to admit to not having any documentation for one of our credit cards following a CCA request!! We had a letter from them admitting it and leaving it to our conscience as to whether we pay or not, naturally we will keep paying (I don't think!!). Unfortunately, this was the credit card with the least amount on it - but we will keep trying with the others.

 

Keep your chin up (we are trying to), rgds Chickenlegs

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It isn`t that I don`t want to pay back what I have had. The problem I have had with MBNA-along with many others is that they believe they are more important than our mortgage, or our kids clothing etc-they aren`t. They won`t accept our reduced offer of payment-instead they would rather take a beligerent stance and attempt to make me feel like the proverbial.

 

It won`t work-I don`t feel bad because I am skint, I feel bad I can`t look after my children properly-and until I can they can get lost.

 

I haven`t murdered anyone, I have just lost my business and am about 6/8mths away from losing my home if something doesn`t happen soon.

 

I have posted my CCA response-it looks kosher but I`m not sure it is a fair agreement-I`m hoping someone expert will take a look and let me know if I have a weapon I can use to fend them off-at least for a little while.

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Hi Lolipop

 

Take heart.....

 

I have had TWO credit cards with offers to write off the debt totalling about £8k

 

MBNA are a belligerent bunch of ?????? they will keep on ad nauseun....

 

DONT speak to them on the phone, they'll just bully you ..get everything in writing.

 

I owed / still owe £9k+, It got to the point with me where they offered to write off 70% !!! which I had to refuse because I still didnt have that sort of money. it got passed to a dca who has been trying to recoup it for 18 months, including offers of 60% off ?? I think that there is something desperately wrong with that agreement :) in fact i'm pretty sure there is

 

dont be bullied, take a deep breath and do what you have to !!

 

rgds

 

Dave

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see you stand like greyhounds in the slips,

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Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

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