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CCA - what next

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Hi everyone. I have made two CCA requests to Tesco Personal Finance (RBS) - 1 personal loan (taken out May 07) and 1 Credit Card (taken out mid to late 90s sometime). The 12 days are up and nothing - though both are still chasing debt. Do I send them another letter or just sit and wait? I am presuming I can hold the line and refuse to deal with them until CCA is forthcoming?

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Cheers for such a quick reply! Do I send now? I read something about 12+2 days and then something else about them breaking the law if the CCA is not forthcoming within 30 days?

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Hi,

 

Your right abour the 12+2, the 30 day offence bit no longer applies.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thankyou, I will write to them after the weekend. I take it they are still entitled to produce this at anytime? If I do get anything back, I will post it for comment.

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I take it they are still entitled to produce this at anytime?

 

Spot on.........

 

A debt becomes unenforceable under the CCA if a creditor does not supply a true copy of the signed credit agreement within 12 working days of it being requested.

 

The debt remains unenforceable for as long as the creditor fails to produce the signed credit agreement – this means if they produce the agreement some months down the line, they are quite within their rights to enforce it. They do not need to take any further action to enforce the debt. A debtor cannot take any action against the creditor for failing to produce the signed credit agreement within the prescribed time, because that is up to the agencies that the offence has been reported to. Any sanctions that may be imposed are at the discretion of these agencies, and it is not a matter that the debtor can take to the civil court.

 

 

If after requesting a true copy of a signed credit agreement the creditor fails to produce it, it does not mean that the debt does not exist, the debtor may now however be in a good position to make a full and final offer to clear the debt.

 

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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