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metroplitan collection services ignored my cca request


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Guest jsa12

metropolitan have completely ignored my cca request and have kept the fee.i have sent them.

 

Dear Sirs,

Account No: XXXXXXXX

I hereby formally request a copy of my Consumer Credit Agreement, pursuant to s.77-79 of the Consumer Credit Act 1974 (CCA1974).

I require you to provide me with a true copy of the credit agreement relating to any account you deem to be mine, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit (12 + 2 days). You are reminded that should you fail to comply with my request; the provisions of s.77 will apply.

If it is your view that you are not the creditor, s.175 of the CCA1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b), 6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

Attached is payment in the sum of £1.00, which is the statutory fee - note that these funds are not to be used for any other purpose.

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee and then remove the incorrect entry from your systems.

I do, expect the main actions to be dealt with, as matter of course, and look forward to hearing from you within the prescribed time-scales quoted.

Yours faithfully

 

 

and

 

 

 

 

Dear Sirs,

Account No: XXXXXXXX

I refer to my letter dated XX/XX/XXXX in which I made a formal request under the Consumer Credit Act 1974 (CCA1974) s.77-s.79 for a true copy of the regulated agreement referred to in the above account number. You are reminded that you are obliged to supply this under s.189 whether you are the original creditor or not. I also enclosed the statutory fee of £1.00.

To date you have failed to comply with my statutory request and have defaulted in respect of this account. Additionally this alleged agreement is unenforceable until such time as you come out of default or enforced by a court of law. It is a further offence to attempt to enforce this alleged agreement until such time as your default is revoked.

Consequently I am ceasing all payments to your company until such time as this matter is resolved. It is also my intention to report this matter to the appropriate enforcement authorities.

I await your prompt response.

Yours faithfully

 

letters'.

i have been reading scarlet pimpernel's posts regarding these people,i might be mistaken are they (metropolitan) above the rule of law as it applies,has anyone found themselves in a similar position? trying to deal with this dca.

 

now they have sent a letter requiring payments' to be on time as per agreement totally ignoring any reference to the above letters' sent and threatening "further action".

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Guest jsa12

i have my doubts if this cca even exists its from 1996,i have had enough of them they can put up now or shut up,its for around £7000 i am prepared to stand in front of a judge if i have too,i have been threatened with charging orders' in the past and from what i understand from here that is not uncommon, i have put up with crap on the phone in the past no more.

 

they play on peoples' anxieties and fears' and its gone on long enough now for five years',i expect it will be dg next have not heard from these yet,its good to see they (metropolitan) are admitting to being hsbc group instead of our "client's" trying to disassociate as if they are a separate organisation giving a misleading impression .but that is what it appears to be all about.

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They are probably like the Duchess of York - they don't have a pot to p*ss in never mind an agreement.:D Send them the Account in Dispute letter and ignore them.

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