debts with cccs

[winchester]

should put on the thinking cap first.

seeing payments have been made on a monthly basis for now at least 4 years hasnt my brother by paying vie me

really confirmed the debt as his.

and also by not paying now wouldnt we just be playing with fire ie feds going to town on brother.

sorry if this is garbled but i hope you see where we are going.

thanks very much

[Stigman]

Hi,

 

Get the CCA request away tomorrow, lets see what Freds come back with.

 

If/when Freds reply, scan in, but remove all of the personal details, full amount owing, reference numbers and barcodes for your own identity protection.

 

DCA's do not care about rules, the money from your account is just as good as any other, yes you could claim it back but it will be a long road and I bet Freds will fight every step of the way.

 

As to the payment, I am not against debt evasion but it looks like they have milked your brother for long enough, is your brother on benefits or a pension? If so drop the payments to £1 per calender month.

 

Lets get the full picture with the CCA request, Credit reference file.

 

The CCA request will show on the form if PPI was taken out.

 

I would still SAR Egg/Barclaycard to get the full picture of how the account was ran throughout.

 

Stigman

[Stigman]

seeing payments have been made on a monthly basis for now at least 4 years hasnt my brother by paying vie me

really confirmed the debt as his.

and also by not paying now wouldnt we just be playing with fire ie feds going to town on brother.

 

The debt has been acknowledged regardless who paid the debt, so the statute barred route is a deffo no no unless after your brother defaulted and you started paying freds their has been a clear 6 year gap, then its out of the window.

 

Obtaining a copy of a CCA request is a lawful right, it's not a crime to ask for it.

 

If Freds want to start chucking toys out of the pram, just post up and someone will happily advise you.

 

Stigman

[Stigman]

The debt has been acknowledged regardless who paid the debt

 

If you paid on your brothers behalf, it will not be hard to put 2 and 2 together, unless your brother has a disability where you are conducting his financial affairs on his behalf because of communication or memory disabilities.

 

Stigman

[winchester]

thanks very much.

i pay this because brother hasnt got a debit/credit card and have been doing this since the start.

right tomorrow send CCA and one pound po to freds/

when they call say to them only correspond in writing.

and then sit back a watch the s'''''t hit the fan.

thank you so much will get back soon

[Stigman]

then sit back a watch the s'''''t hit the fan.

 

Let Freds rant & rave

 

Stigman

[winchester]

good evening,

well freds rang today, said only going to contact thru letters,

letter sent to freds re cca, just one thing please.

what if i get back from freds a blank form re details ie no

signature on original what do is do please.

thanks

[winchester]

good evening,

have checked cred file everything good nothing there, do i therefore presume,

that fredrikson have got nothing on brother at all.

thanks

[winchester]

good afternoon,

well that was quick, have just got a letter from freds.

it just says we have referred the matter to our client and will revert to you

as soon as were are in receipt of instructions.

in the meantime, we confirm that we have placed the account on hold.

so please can i ask some questions, what happens now, what do i do if egg,

come back, with sometime and do they still have to reply within the 12+2 days

and finally what about my £1 postal order that was sent, should that come back.

thanks for all your help.

Edited January 25, 2012 by winchester

[winchester]

good evening,

sorry to bother people, but could i have a answer to my last post please,

i am not sure what to do next seeing i have just got a letter back from freds.

do i just wait for an answer from egg or just sit tight.

does the 12+2 days include the time freds passed the cra to egg or does it start when,

egg get the demand, and also what about my £1 po not much i know, but can freds hold this,

please help

thanks very much

[BRIGADIER2JCS]

Hi winchester,

sorry you have been left a bit in the lurch here.

Yes wait for what they come ba1ck with, when we

know exactly what they have or have not got it will

be easier to advise.

[winchester]

good afternoon,

thanks brigadier, that means a lot, and i am sure i will wait, and

yes i will just see what they come back with,

thanks so much.

winchester

[BRIGADIER2JCS]

good afternoon,

thanks brigadier, that means a lot, and i am sure i will wait, and

yes i will just see what they come back with,

thanks so much.

winchester

In box is clear winchester.

[winchester]

i have been helped on this forum a few times so thanks,

 

i have 4 store cards and credit cards that i have, now been helped by cccs

 

one or two go back 20 years or so,

i am still paying these via cccs

would it be any good sending them a cca letter or sar, or am i just wasting my time,

 

thanks for any help, i have checked my credit check and they are on there

 

winchester

[winchester]

sorry what i did not say that there a 2 credit/store cards that are not on my

credir report do i assume that they are not enforceable

[Old Cogger]

no harm is requesting these might throw up a lot of interesting info??

[winchester]

thanks very much mike, an i pick your brain more please ?? the two store cards not on my credit report,

do you think that they are unenforceable??

cheers

[Old Cogger]

would pay to request CCA for them, this might throw up the answer, just send CCA request to the O.C. marking P.Order or what ever for CCA purposes only, they have 12 + 2 days to respond before they are in default, that is until they supply, we can look to the next step on this site once we know the situation, they are some very good advisers on Cag. send Recorded Delivery.

 

If you send a cheque, try to send someone elses cheque (not saying they might lift your siggy of course)

[dx100uk]

when did you start paying through CCCS?

 

dx

[alangee]

winchester

 

If you are still making payments through your CCCS to these cards that are not on your credit report, then they could still be enforceable, because they would not be statute barred.

 

Of course they could still be found to be unenforceable if there is something wrong with the agreement, so send a request for a copy.

 

Alan

[winchester]

good afternoon,

well it is now nearly 4 months since freds sent back the reply saying they were passing my cca onto their clients and will revert to you

as soon as they are in reciept of instructions,

well i have heard nothing does this mean they cannot find anything?? if they cannot could i claim back money i have paid freds,

thanks very much

[BRIGADIER2JCS]

No you can't reclaim anything already paid.

[Stigman]

well i have heard nothing does this mean they cannot find anything??

if they cannot could i claim back money i have paid freds,

 

Hi,

 

Fred's cannot get the required documentation because of various reasons - office shredder, misplaced, lost etc.

 

Unfortunately, any monies paid is classed as a gift so you have lost that and gone straight into Fred's pockets.

 

Stigman

[winchester]

a very quick question please i have a very old barclaycard debt and a store card with creation both of these are at least 20 years old

i am paying back vie ccccs, but both both are not on my noddle report, does the re-constituted agreement apply, is if i cca these can they send anything they like or has it got to be a proper agreement.

thanks very much

sorry what i should have said i am going to send both a cca do you think this i a good idea

any thoughts would be very grateful

Edited May 21, 2012 by winchester

[dx100uk]

they wont be on your cra file as the defaults would be more than 6 yrs old.

 

dx