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token payments and cca advice pse


symi
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l have cca,d all my creditors , sent dispute letters to those who were late replying [ most of them !!] thing is , all this has coincided with me now having to offer a £1 token payment to them all [happy to pay them even without a cca so not being seen to be unreasonable ] as now unemployed and cccs cannot help me no more

 

have done a I+E and offer and sent to all.... now will they think lm completly stupid by contradicting myself by cca them and then offering money ?? :-?

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l have cca,d all my creditors , sent dispute letters to those who were late replying [ most of them !!] thing is , all this has coincided with me now having to offer a £1 token payment to them all [happy to pay them even without a cca so not being seen to be unreasonable ] as now unemployed and cccs cannot help me no more

 

have done a I+E and offer and sent to all.... now will they think lm completly stupid by contradicting myself by cca them and then offering money ?? :-?

 

You need to establish what it is you hope to achieve.

 

If a company is unable to produce a valid CCA then I would be inclined to stop paying. Any token offers you have made have been undertaken on the presumption that such properly executed agreements existed.

 

I have been challenging mine and have received 6 defaults so my credit file is wrecked. However, prior to that, I did have arrangements and these were marked as AR on the credit file also.

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l just cant get my head around the fact that l dont have to pay them anything if they have no cca ... just goes against my morals l suppose ! lve been defaulted on all but 2 of them

[1 have 9 creditors in all ] so my credit rating went down the swanny long ago so lt really dont bother me anymore

 

just think im going to open a can of worms and have loads of phone calls or visits :eek: cant cope with all of that again ....just lost my job through the stress of the last 3 yrs

 

just need to be told its going to be ok l suppose

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Hi, symi.

 

If they can't come up with an enforceable CCA, this puts you in a very good position to offer a greatly reduced Full and Final offer to get rid of the debt.

 

Regards.

 

Scott.

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just think im going to open a can of worms and have loads of phone calls or visits :eek: cant cope with all of that again ....just lost my job through the stress of the last 3 yrs

 

 

This is actually what they want you to believe!!

 

Firstly, the law and OFT guidance forbids them from harrassing you and there are template letters on here that you can send to stop phone calls and home visits.

 

If someone should call then you should simply refuse to speak to them and tell them that you will be making a complaint. If someone turns up at the door you ask them to leave. They should not visit you without an appointment and have no right of entry.

 

To be honest, there are varying experiences on here, but I have had very little hassle. The fear is quite often far worse than the reality.

 

Also, if you are deemed to be a vulnerable person then there are additional precautions that should be taken.

 

Have a look here to put your mind at rest

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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