Impact collections

[twometer]

Hi guys

i am having a bit of bother with Impact collections acting for Vanquis

I sent off the request for a true copy of my CCA ,i received it outside the allowed time of 12+2 days so they are now in default on my request and this was just a copy of a random agreement with no signature on,i then forwarded the letter of dispute however i have now had another demand for payment and multiple phone calls which is amounting to harrassment, as the account is now clearly in dispute what are my options ? do i just ignore them as the debt is unenforcable or do i need to send any more letters,your help and guidance on this matter would be most appreciated

regards twometer

[Pinky69]

A copy of the agreement under a CCA request doesn't have to have a signature, although the original does. The best way to check if is enforceable is to post it on here, covering over your personal details, and we can have a look at it and advice you. The next step is to raise a complaint with Impact's complaints department if they are pursuing you without having fullfilled your CCA request.

[42man]

You might like to edit this and send (recorded) - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/582-possible-letter-when-a-questionable-agreementapplication-is-sent If they fail to send you a copy of your signed agreement then this could be the way to go - http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html