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maxine989

CCA v CPR request. Which one to send?

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Hi

 

I am i the process of looking at all my out of control debts and trying to get the DCA's off my back... I am in a situation where I can't meet the contractual payments anymore due to various financial circumstances and most of my creditors are hounding me to pay... some have agreed the £1.00 token payment thing, others are still writing and calling all of the time.

 

I am still trying to get the general jist of what I should do... and what I can expect to happen during this process.

 

But I am confused about the first few stages.

 

Am I right in thinking that to start the ball rolling I should request copy statements regarding the said accounts to see if they have been adding unlawful default charges?

 

And at the same time send a request for a copy of the original credit agreement?

 

What is the difference between applying for a CCR pursuant to section 78 Consumer Credit Act 1974 or applying pursuant to the Civil Procedure Rules? Does it matter which template letter I use? I am a little confused... Any help/advice is greatly appreciated.

 

Thanks :-)


Moodle

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golden rule

 

cca a dca £1 12+2 days

sar an oc £10 40 days

 

imho it matters not a lot which you use some say the cpr some say just the standard cca request

 

always send recorded and do not sign the requests


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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CPR request is free - but a creditor/DCA may ignore it or use the reasoning that they are not pursuing this through the courts at the moment.

 

Best bet is to CCA them :)


:)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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Ok... thanks... I'll do CCA... then if I get no luck with obtaining the signature copy agreement, I'll send the CPR.

 

:-):)


Moodle

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