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Catalogue debt CCA request declined


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I have a debt with J D Williams and it has been passed to Lowell, then to Advantis.

 

I sent a letter to Advantis with £1 requesting a copy of the CCA.

 

I have now received a letter back from them stating that a catalogue account is not covered by the Consumer Credit Act 1974

and therefore a contract is not required to open the account.

 

Is this correct? If not, how can I reply to their letter saying that they are wrong?

 

Thanks in anticipation of assistance :wink:

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moved to the cat forum

it is CCA account.

 

however typically, your first order acted as your agreement and they would post 2 for y to sign.

 

things are a wee bit diff post/pre 2007 though

how old is this a/c

 

an is it still active?

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have had the catalogue since about 2001 but don't use it anymore, and haven't done for years. Surely as it is a CCA account I should be able to request a copy the same as loan companies?

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when was your last i/out?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

your last financial transaction in or out

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
  • 2 weeks later...

yes

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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well et a copy of your cra file then to be sure

 

see below

 

noddle is free

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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entirely upto you... But i found that some defaults only showed up on one or 2 of the CRA files.

 

worth using noddle (callcredit) free and getting a £2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

I was only using experian for a while thinking i had only one default. got the stat report off equifax and free one off noddle to discover more i didnt know about

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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