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Recived CCA From Credit Collections UK...What to do now?


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Hi I recently posted for advice on how to get rid of a debt that I have with my student Halls. The Debt was sold to Credit Collections UK Limited. I sent them a letter about the CCA's, that someone had provided to me through this website.

 

The company sent me all the documents, that I had signed with T&C's clearly Visible. Now I question myself. Is this the end of the road or is there something else I can do?

 

I have offered them a payment plan of £1 a month, as I have no income or any other option. The Debt is a 4 figure number, would they say it is too small of a payment?

 

Please Help...

 

Thanks

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These are the documents they provided me... Don't think the images came out properly, I will try again

The images are too small to read, but this does not look like it is a credit agreement. Is this a tenancy agreement.

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It is infact the tenant agreement. I did write to them in email before I discovered this website that I can make a payment of £260 a month until I can afford to pay full. But that didnt work out as I lost my Job. Now I can only offer them £1 a month.

 

Arn't a tenant agreement and Credit agreement the same thing?

Edited by thandiboss
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It is infact the tenant agreement. I did write to them in email before I discovered this website that I can make a payment of £260 a month until I can afford to pay full. But that didnt work out as I lost my Job. Now I can only offer them £1 a month.

 

Arn't a tenant agreement and Credit agreement the same thing?

No, they are 2 completely different things.

 

Looks as though someone also stood surity.

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