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Advantis DCA failed to provide CCA, is this debt unenforceable indefinately?


sabby1978
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Hi all,

just a quick question. Advantis sent me a letter regarding an old debt (not staute barred) that came about when I was unwell and not in a place to make good choices re my finances.

 

Any way, I requested a copy of the credit agreement which they failed to provide. I sent the follow up letter and now nothing.

 

What does this mean?

 

That the debt is uneforceable until they produce the cca or is it uneforceable period? And is there anything else or any other letter I should send.

 

Your advice would be much appreciated.

 

Thanks guys,

sabby

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ball is in their court

what is the debt all about please

 

 

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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tell us the story.

 

is it on your credit file

 

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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Hi

 

several years ago during a manic episode i ran up loads of debts, i didnt know i was unwell.

 

I was working as a teacher on a supply basis and was working maybe one day a week, i was not claiming benefits as i did not know that i was entitled.

 

i got better and moved and i hadnt heard anything re this debt until now.

 

And yes it is still on my credit file but under home retail group services not ADvantis. The default date listed on credit file is 28/11/2007.

 

I have worked so hard to rebuild my credit which has gone from adverse to fair and i dont have the money to repay them.

 

I work partime on a low wage, im a single mum in receipt of benefits which are more than likely going to be cut under welfare reforms :(

x

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ok great

 

well that confirms that its still with argos

 

its not been sold

 

so any fleecing DCA have no call on the debt whatsoever.

 

i'd suspect, as you have already found

no agreement will exist after all this time.

 

the default date is nov this year

so once it drops off

which it will and vanishes

 

that should be the end of it.

 

i'd suspect that your actual last payment was several months before the default date

 

so it most probably already statute barred.

 

which is why they've tried their arm just incase

you wanted to foget you've challenged them before

 

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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Ah thanks, thats great! One last question though.

 

In the event that they do provide a copy of the credit agreement, what do you think i should do? Would it be advantageous to make a Sar request to find out the exact date of last payment made?

 

Thanks

x

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no

 

just fire off the SB letter

its for the OWNER to prove its not SB'd

 

not for YOU to prove it IS.

 

pers i'd not even worry about it

 

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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Thank you, I just got scared as they said that they were going to take me to court and send debt collectors. Ive had letters like this from other DCA's but this seemed more threatening and ive been really well for the last six weeks and didnt want these morons undermining that.

 

That's great, thank you so much

x

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