Do I need to CCA request again??

[themajor]

Hi I CCA requested Halifax months ago and it's obvious they can't provide the agreement copy. Just as I was getting somewhere in removing the default notice they've sold the account on to some scatchy finance company. They phoned me up the other day and I said the account was unenforecable and they said I have to CCA request them again.

 

Am I write in thinking that I don't have to do another CCA request it's their fault they've bought a dud unenforceable account? ?

 

I told them that anyway and said what's the point in re requesting it because Halifax can't supply it anyway which is why they sold the account on.

[manchester1]

Major, in my view if you have already cca'd Halifax ,and sent it recorded delivery and they have not responded then the account is in dispute. You should send the new dca a letter saying that the account is in dispute with the halifax

 

Manc1

[silverfox1961]

Hi,

I found this letter the other day which you could send

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1462657.html

 

fox

[themajor]

Thanks I was probably going to send a letter like that anyway. It's just annoying that as you start getting somewhere, like getting these DCA's to admit they have no agreement and the account is unenforceable, they sell the account on!

[manchester1]

Major, You should try to do S.A.R to the original creditor to see if there were any excess charges ?

 

Manc1