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Have a look through the OFT guidance on a CCA request here (direct PDF link).

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

 

It says that the creditor only needs to provide a statement of the account at that time. (Not a full balance sheet, which was also my expectation). They appear to comply with the guidance with what you have received.

 

However, is also says that the statement of account is legally binding. If it says £2,000 then they are legally bound by that. So you legally owe £2,000.

 

Keep that letter...

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Thanks Bandit ;)

 

I was a bit unsure..Yes Ill keep the letter ..to me that letter also states that they only want £2000..!! shall I keep quiet for a while..Or question them on the £2000 ??

What does your credit reference file say about it?

 

They are legally obliged to post accurate data on that so it should be reliable.

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Im with Noodle ..halifax has gone ..1st Credit not showing ..Noodle was updated the end of september..1st Credit aquired the debt end of July..When i first had a letter from them they were asking for the 16K plus ,,after quering it its now only the arrears,,I think maybe the SOA they sent were from 2006/2008 from when the default accured ..and also because the account goes back to 2001 the rest may of been destroyed has they only keep for 6 years

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  • 2 weeks later...
  • 1 month later...

no

 

though i would never believe a DCA anyway

 

your CRA file will tell you the TRUE figure

 

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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then sar the OC

 

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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account history from the OC.

 

get that SAR off.

 

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

I thought the statement of account is supposed to be legally binding.

 

My only reference for this is the OFT guidance on CCA 1974. See S. 3.4. (Advice that needs a better understanding of the CCA 1974 than I have).

 

It does say at the end that relief for an incorrect statement can be granted by a court...

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DNs are not routinely stored as hard copies, a note is made in records that a DN was sent for a default sum on a certain date.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 8 months later...

UPDATE

 

Have been playing Letter Tennis for a year with 1STcrud..when ever I question the so called CCA which is infact a App form with Tand Cs on the back with no reference of them being on the back..they keep ignoring my questions and keep resending the same Loo Roll ..do I just ignore their letters from now on ? and if I do get a summons then Fight it..they have said that Hali sent me a COPY APP if I want a CCA I have to follow Hali Proceedure..I did than in 2008 ..they are contridicting themselves ..Just ignore ?

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Long story short

 

1st cred brought Hali CC debt last july .

 

.Been round the clock since 2008

 

..been letter pin pong for a year now..

 

They keep sending the same docs application form,

 

,Told them it aint good enough.

 

.ignored their last letter has they have ignored all my questions and quiries.

 

..Last letter from 1st cred said they are disappointed I haven't got back to them

 

..account on hold for 14 days .

 

.then they going to consider their options.

 

.do I send 1 last letter

 

..Or do I just ignore and see if they issues a summons ?

 

cheers guys

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Ist Credit are very likely to issue a County Court Claim, how much is owed, when was the last payment or written acknowledgment made on the account?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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1st Credit are fond of issuing statutory demands for payment on any debt over £750.0.

 

How much of this is charges, is there PPI on this account.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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