Dca cant find cca papers

[Valley Boy]

Can someone please offer me some advice on ths matter please,

 

i have some registered defaults on my credit file from credit card companies for the last 3 years,

i am in a dmp with payplan with who i make a token payment to all companies as i am unemployed.

 

I have written to all card companies asking for my cca,

some have replied that they cannot find any paperwork and that the account is unenforcable,

and others have said they cannot find the cca and will suspend payment to the account until the cca is found.

 

1, what is the position on this, do i carry on paying them or just stop until they find the paperwork,if they ever do?

 

2, if they dont get back to me until after the 6 year time period for the defaults has elapsed, and the defaults are removed , what then?

 

3,if i was to be given a cash sum to make an offer of a f+f payment to all

is there any benefits to pay them off now,before the 6 years, if accepted,

or just keep paying the token payments until the 6 years has passed and defaults are removed anyway,

 

am i still liable to keep paying after the defaults are removed, until the total debt is repaid,

as at this rate it would take me 25+ years to clear with the token payments,

i make to them.

THANK YOU FOR ANY ADVICE ON THIS MATTER

[havinastella]

Hi Mark,

 

Not 100% sure, but I think if you stop paying the creditor, your dmp will be pulled by payplan. (I'll take a look)

 

If it was me, I'd deal with it myself and drop all the companies that cannot supply the paperwork you requested.

 

May also be worth reclaiming charges and PPI.

 

Jogs

[dx100uk]

why not comeout of payplan and do it yourself

 

or come out

get rid of the debts from the other plan and do a new one with CCCS?

 

defaults AND the whole account willl vanish on the defaults 6th birthday, regardless if you pay or not.

 

those with no valid CCA IMHO you should stop paying.

 

and yes get reclaimingf

 

how old are these debts?

 

 

dx

[Valley Boy]

Thanks for the replies,

why move to another dmp with someone else,

what would i gain,

all debts are about 3 years old,

there are 4 companies from about 10,

at this moment in time that cannot find the cca paperwork,

3 with dca,

1 with original lender (coop),

who only registered late payment on my file.

 

As i asked previously ,

 

what if i don't pay because of no paper work what can they do,

as i have admitted liability to the debts,

 

do all debts finish after 6 years paid off or not when the defaults come off in another 3 years.

[dx100uk]

no the ebts do not 'finish' if they fall off they still exist.

 

as for the ones with no CCA, you are entitled to freeze payment till they produce one.

 

dx