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    • Well, you've highlighted the problem yourself, whatever you decide will carry some risk.   However, I would think the risk of a default judgement & CCJ is to be avoided at all costs and the least worse thing would be to write them a two-line letter with their reference number and your new address.   As usual, any details you can give us on the forum sticky would be useful for the future      
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    • OK, I found the letter I was looking for:     Dear Sir/Madam,   Reference: [order number]   On [date], I placed an order for a [item] and it was delivered by you on [date].   I have discovered that the [item] has the following problem: [give details].   The Consumer Rights Act 2015 makes it an implied term of the contract that goods be as described, of satisfactory quality and fit for purpose.    Any returns policy that says I have to cover the cost of returning items must only relate to the situation where I change my mind about the item ordered and not where there is a problem with the item.    I should not lose out financially as a result of your breach of contract and accordingly all costs of returning the item should be met by you.    I also require you to confirm you will arrange for [the item] to be collected.   I look forward to hearing from you.   Yours faithfully, [Your name]
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    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
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Golf20

Next - Failed cca Request

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Hi Guys,

 

Basically I Got issued a Default by next on the 22nd of February 2008, I have recently written to them for a copy of my credit agreement and they have responded with this.

 

"I note that your account was transferred to an external collection agency on 22nd February 2008, I can Advised the debt was recorded on your credit files now shows as a satisfied default, as full and final payment was recived, it cannot be removed, as we have a morale duty to report all of our customers credit history accurately.

 

As the Balance has now been paid, under section 78.3a of the comsumer credit act, the agreement is now closed and we are not obliged to supply you with a copy of the orginal credit agreement.

 

Thank you....etc"

 

Now i orginally requested the credit agreement to be sent within the set timescale of which ends on the 22/07/09. How long are they required to keep the orginal credit agreement for if one exists of which i know it doesnt.

 

How am i to respond to this, I have read over the next default threads i have found but they all seem to be about accounts with outstanding balances and debt collection agencys.

Any help would be appreciated.

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I would respond by sending Subject Access Request letter, they should send all the details they have about you, including default letters, statements and anything else they have about you, also this should include a credit agreement (if they have one ), i think i am right in saying this ,if i am wrong i am sure somebody will advise,thanks.Steve

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Thanks steve, Ill make this my next move.

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When you receive it, you need to look for the part where you 'gave your permission' for them to pass on personal details under the dpa. Without that permission, they should not have passed anything to any cra as they are not interdepartmental.

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