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advice on current debts please


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Hi all

 

can some one please offer me advice on whether some of the credit card debt i have,

 

things i need an answer on please,

 

can i still request a true copy of the signed agreement and do i have to send the £1 postal order to get this and what is the time scale they have to respond to this request,

 

if they do not have these copies of the agreements what would be my next step

 

also i have one which is a balance transfer from one credit card to another is this covered in the same way

 

all this above debt is still with the origional creditors and is not with any DCA there is no defaults on them and no CCJ registered on any of them all payments are up to date at the moment but due to my current circumstances this is about to change

 

any help or advice would be most gratefully recieved

is there a specific letter that i can send to these companies

 

many thanks

Petrified

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Hi,

You won't be so petrified by the time we're finished with you :D

 

Hi all

 

can some one please offer me advice on whether some of the credit card debt i have,

 

things i need an answer on please,

 

can i still request a true copy of the signed agreement and do i have to send the £1 postal order to get this and what is the time scale they have to respond to this request,

Of course you can. You can apply at any time and they have 12+2 working days to reply (don't include weekends or bank holidays)

if they do not have these copies of the agreements what would be my next step

It depends if the CCA is valid or not

also i have one which is a balance transfer from one credit card to another is this covered in the same way

Yup

all this above debt is still with the origional creditors and is not with any DCA there is no defaults on them and no CCJ registered on any of them all payments are up to date at the moment but due to my current circumstances this is about to change

 

any help or advice would be most gratefully recieved

is there a specific letter that i can send to these companies

 

many thanks

Petrified

 

 

Once you start missing payments, the OC will start to register late payments on your credit file. If the CCA is invalid this puts the account into dispute and they shouldn't be doing things like that but it doesn't stop them.

 

Who is the OC?

 

fox

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hi

many thanks for the quick reply

 

what is the best letter to send them now as i have been paying on these accounts so i cant say i do not acknowledge the debt to the company

 

any advice please

Petrified

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