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adrian1972
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Hi,

 

I've ben reading with interest about wiping my credit card balance, just got a question regarding the CCA, my account is currently with Virgin but am i right in thinking that they have to produce a CCA from my original account with HFC?

 

Also do i sign my CCA request? read somewhere not to,

 

thanks guys

Edited by adrian1972
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You should send the CCA request to Virgin and it is up to them to find your original agreement. PRINT do not sign your name. If you have no response in 12+2 days then the account goes into dispute and you can stop paying them until (and if) they produce something enforceable.

 

I would like to point out that if an agreement comes back unenforceable it does not mean the debt is wiped. The debt will still exist, but Virgin would be unable to pursue further action (i.e defaults/CCJ's etc.). This gives you the upper hand, as YOU can then decide how much to pay them.

  • Haha 1

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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You should send the CCA request to Virgin and it is up to them to find your original agreement. PRINT do not sign your name. If you have no response in 12+2 days then the account goes into dispute and you can stop paying them until (and if) they produce something enforceable.

 

I would like to point out that if an agreement comes back unenforceable it does not mean the debt is wiped. The debt will still exist, but Virgin would be unable to pursue further action (i.e defaults/CCJ's etc.). This gives you the upper hand, as YOU can then decide how much to pay them.

 

Thanks for the reply Clemma,

 

I'll send my CCA request and get looking around the forum for some more info, slightly confused as to how this actually works,

 

cheers

 

adrian

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Any questions - feel free to ask!!!

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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