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Marshall Ward CCA Request blank agreement

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:confused:Hi Guys,:confused:

 

I recently sent a CCA request to Marshall Ward (16/07/2010) and a few days ago received a response stating that they could not locate a copy of an executed agreement for my account also for my informaiton they enclosed a copy of the current agreement which applied to my type of account. They then told me the date that the account was opened, the amount currently owed and the amount paid in the last 12 months.

 

I dont think that they complied with the CCA request and I would like some advice as to what the next step would be, if anyone has a template letter that I could send I would be very grateful.

 

Kind Regards

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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i must admit i do like the second letter although as I sent my original letter on 16th August, they have not passed there time limit of 40 days so I think I will have to send them number 9!

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They have admitted that they do not have the Agreement, so, the account remains un-enforceable in Court. The decision is now yours to make. You can offer payments at a rate acceptable to you, or you can put the account into (permanent) dispute saying that until the Agreement (that they don't have) is supplied you will be making no further payments.

 

Also, bear in mind your CRA files. This alleged debt will remain on your files until 6 (5 in Scotland) have passed since last payment/acknowledgement. If you start making payments, this will prolong the length of time this alleged account remains on your files.


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Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

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The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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