Stalling tactics by DCA following CCA Request

[zimbob]

Hello CAGland

I've lost track of who I owe what to as original creditors have changed names/merged, passed accounts on and handed accounts over to debt collectors.

 

I was recently contacted by a DCA for a Goldfish account,

and have no recollection of having an account with them.

Google tells me they have taken over accounts from Barclays, Morgan Stanley, Lloyds.....

 

I sent the DCA a CCA (letter dated 15/06/2013, posted Monday 17/06/2013) and allowing for 2 days in the post

the deadline for them to comply is this coming Thursday, 04/07/2013.

 

Today I received a letter stating that the contents of my letter have been noted and could I phone them. Well no.

 

My questions are;

 

Do I reply saying no phone calls, letters only, or do I wait for them to breach and then contact them?

 

My guess is they will pass the 12 days for a response and today's letter is a stalling, muddying the waters bullying tactic.

 

And lastly, when Thursday arrives and I have not received details of the account what is my next step?

 

I've searched the template letters and can't see one for when that day arrives.

 

Many thanks in advance

[ims21]

Time limit for a SAR is 40 days.

 

Do you mean that you sent them a CCA request rather than SAR?

 

If they don't comply with the CCA request put the account in dispute and don't pay them.

[zimbob]

Sorry, it wasn't an SAR I sent, it was a request for a copy of the credit agreement. Original post now amended

[ims21]

Thread moved to Debt Collection forum and re-titled

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

[zimbob]

Awesome. Thank you so much

[zimbob]

As expected I never received a reply to the CCA

 

so sent a "Failure to provide a copy of the agreement within the prescribed time-scale" letter.

 

In return I received a letter detailing the DCA's complaints process, and that I need to request an official complaint form.

 

So far I have not responded because as far as I'm concerned I have already lodged a complaint. Any advice?

 

Do I play their form filling game, or do I stick with my current opinion that a complaint is a complaint regardless of the paper used to lodge it?

 

Many thanks

[dpick]

As I see it you have 2 options

1, they have failed to comply with a legal CCA request you can stop paying and wait for the screams or

2, you can complete the complaint forms and then start letter tennis.

 

dpick

[dx100uk]

you nailed your colurs to your flagpole

 

stop payments

ignore them till/if they

ever comply.

 

dx