Littlewoods Catalogue - TTI SPC/TDX Group Limited marking cra file .Is it legal!?

[Lucky7even]

I applied to Littlewoods Catalogue via an application form way back in the 1990's.

 

Although I have just a small debt of £160, this is now included in an IVA.

 

The IVA has been enforced since June 2012; I've had no contact with Littlewoods since the IVA was granted.

 

I wish to seek under I believe a section 75 request to see if there is any actual credit agreement with the catalogue company.

 

The debt is still listed with Littlewoods and does not appear to have been sold on.

 

Can anyone please provide me with template letters?

 

Thank you.

[citizenB]

It is an s78 request (CCA) the link for the draft request is below.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

 

You will need to include the statutory fee of £1.00 - we advise sending a Postal order - photocopy it before sending and keep the copy along with the receipt from the post office with your copy of the letter.

[Lucky7even]

Thank you.

 

I will send recorded delivery for safety and to make sure it gets there!!

[citizenB]

 

They have 12 working days + 2 to comply with the request.

[Lucky7even]

What if they cant provide anything regards to an agreement?

 

All I remember was filing in an application form sometimes in the 1990's?

[Lucky7even]

Having problems with a debtor.

 

I have asked in writing on 3 occasions for a copy of a credit agreement. They have not responded.

 

They are placing multiple defaults on my credit file every month whilst showing no proof of the debt.

 

They have not supplied me with a deed of assignment either to show they have purchased the debt.

 

The debt was originally what was Littlewoods catalogue going back well before the year 20000 so I doubt that there is a credit agreement.

 

Legally what can I do to stop them placing multiple defaults on my credit file whilst showing no proof of the debt existing!?

[fkofilee]

Ive merged your thread L7E. Once upon a time, you were told that DOA did not apply in these cases... .

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?458837-Max-Recovery-Limited-not-showing-proof-of-debt-purchase

 

This is once again the case here. Im afraid you are barking up the wrong tree here again. You have a legal right to apply for a copy of the CCA.

They are not placing multiple defaults either, they have placed one, its just how they report on your CRA.

 

Youve already been told how to do a CCA request. Who has this debt been sold to.

[Lucky7even]

Under FCA guidelines it clearly states;-

 

Notice of assignment

 

 

 

CONC 6.5.2R01/04/2014

 

 

(1) Where rights of a lender under a regulated credit agreement are assigned to a firm, that firm must arrange for notice of the assignment to be given to the customer:

(a) as soon as reasonably possible; or

 

(b) if, after the assignment, the arrangements for servicing the credit under the agreement do not change as far as the customer is concerned, on or before the first occasion they do.

 

[Note: section 82A of CCA]

 

 

(2) Paragraph (1) does not apply to an agreement secured on land.

 

(3) A firm may assign the rights of a lender under a regulated credit agreement to a third party only if:

(a) the third party is a firm; or

 

(b) where the third party does not require authorisation, the firm has an agreement with the third party which requires the third party to arrange for a notice of assignment in accordance with (1).

 

 

[Note: article 17 of the Consumer Credit Directive]

 

They have as well not provided credit agreement.

[fkofilee]

Yes but you are asking for a DOA? You wont be allowed to see a DOA.

So why not send a CCA Request and a £1 PO to the DCA in question?

 

Who is it? What happened to the debt through your IVA?

[Lucky7even]

I have sent a CCA they have not replied.

 

If you read the FCA guideline properly I am perfectly entitled to see a DOA as its proof they have purchased the debt.

 

They were getting payments under the IVA but I had cancelled it for various reasons.

 

It was originally Littlewoods catalogue but the debt was then sold to the TTI SPC who are better known under the name of TDX Group Limited.

[fkofilee]

No youre not , youre entitled to see a Notice Of Assignment.

Youve been told this by me before on your MBNA card.

[Lucky7even]

So how can I stop them putting multiple defaults without showing a credit agreement deed of assignment or notice of assignment?

[fkofilee]

So how can I stop them putting multiple defaults without showing a credit agreement deed of assignment or notice of assignment?

 

They are required to show a factual report of the account for 6 years afrom account closure. They ARE NOT Defaulting you every month. It defaults just ONCE.

The only time youd have multiple defaults is if they were selling the account where the old company would need to remove theirs while the new company maintains the new one (Selling to a DCA for example)

 

A DOA is a commercially sensitive document that you are not entitled to see, only a judge can order it for his own viewing.

A notice of assignment can be had by asking for confirmation from the from TTI SPC.

What happened when you had a CCA Request sent before? Did you send it to TTI SPC? I believe that they are a BR / IVA Specialist DCA and they belong to one of Lowells Backing Companies If I remember Rightly.

SO did your IVA fully fail? And why did you cancel it? It would explain why these guys have said account.

 

Whats the Default date on your CRA?

[Lucky7even]

I've got a photo of my credit report to show they are defaulting me every month. How can I post this up!?

 

I cancelled it because of their rip off fees.

 

If you read the FCA guideline as above it states a Deed of Assignment must be sent to the customer, its in black and white!!

 

Like I've said repeatedly a CCA request was made and no response was received.

[AndyOrch]

Thread moved to the appropriate forum.

 

Andy

[citizenB]

Having problems with a debtor.

 

I have asked in writing on 3 occasions for a copy of a credit agreement. They have not responded.

 

They are placing multiple defaults on my credit file every month whilst showing no proof of the debt.

 

They have not supplied me with a deed of assignment either to show they have purchased the debt.

 

The debt was originally what was Littlewoods catalogue going back well before the year 20000 so I doubt that there is a credit agreement.

 

Legally what can I do to stop them placing multiple defaults on my credit file whilst showing no proof of the debt existing!?

 

Do you mean that you are having problems with a creditor ? If you are the borrower, you are the debtor - the lender is the creditor !

[Lucky7even]

Sorry for that the creditor is TTI SPC but the account is being managed by TDX Group Limited.

 

So, with regards to placing multiple defaults and they have failed to provide evidence of the debt via credit agreement, deed of novation and deed of assignment.

 

Where can I go from here as its affecting my credit rating!?

[dx100uk]

why was this debt not defaulted by the original creditor when they sold the debt on..?

something is not right here

 

 

TTI SPC /TDX Group Limited. are extreme bottom feeders

[AndyOrch]

Sorry for that the creditor is TTI SPC but the account is being managed by TDX Group Limited.

 

So, with regards to placing multiple defaults and they have failed to provide evidence of the debt via credit agreement, deed of novation and deed of assignment.

 

Where can I go from here as its affecting my credit rating!?

 

Alarm bells are ringing FOTL:| Please provide the relevant legislation as to where you get this idea from ?

 

Regards

 

Andy

[fkofilee]

Alarm bells are ringing FOTL:| Please provide the relevant legislation as to where you get this idea from ?

 

Regards

 

Andy

 

Andy - http://www.consumeractiongroup.co.uk/forum/showthread.php?458837-Max-Recovery-Limited-not-showing-proof-of-debt-purchase

 

In that thread is a link to the site Lucky7even used.

 

It is deffo FOTL here...

 

He has been advised a few times that DOA Dont apply here etc...

 

Lucky7even, you wont get it removed of your CRA. I asked earlier when the Default date was, then we could calculate when it would fall off your CRA. Also within the CONC Info you posted up itt doesnt say DOA anywhere. In the CONC rules it does state that a NOA is required when sold on.

[AndyOrch]

The word Novation..always triggers it for me

[dx100uk]

no wet signature does it for me

[fkofilee]

DOA for me, then the 3 letter process. The amount of times, I have been on "That Other Site" and laughed at the responses they get from the DCA, then they get told

 

"Send letter 2" because of this interloper BS... Lol... Classic...

[citizenB]

I've got a photo of my credit report to show they are defaulting me every month. How can I post this up!?

 

I cancelled it because of their rip off fees.

 

If you read the FCA guideline as above it states a Deed of Assignment must be sent to the customer, its in black and white!!

 

Like I've said repeatedly a CCA request was made and no response was received.

 

You will see an updated default marker every month - for 6 years from the original placement by the original creditor. This is not evidence of "multiple" defaults - but one default being updated as they are required to do.

 

Can you please point to the specific section of the FCA guidelines that states that you are entitled to see a copy of the Deed of Assignment ?

[Lucky7even]

I need some advice on a creditor placing multiple defaults on my credit file.

 

The debt was what was a Shop Direct Finance ie Littlewoods.

 

I have written to the new owner of the debt a firm called TTI SPC.

 

The account was opened back in 1999.

 

I have requested under a CCA request for a copy of the original credit agreement and deed of assignment.

 

Under FCA Guidelines, it does state when a debt is sold on a customer needs to be sent this as it proves who owns the debt.

 

However, I have written to TTI SPC and they wont reply.

 

It is showing as a D each month on my Noddle credit report.

 

I raised a dispute with Noddle that the owner of the debt has failed to supply the above, TTI SPC have refused to remove the defaults even though they have shown no proof of the debt.

 

So, where do I stand with this please as the defaults are ruining my credit file and lender wont respond.

 

PLEASE DONT MERGE THREADS IT GETS CONFUSING