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Afternoon everyone

 

Just a quick one, if any one can help.

 

If an store card agreement is started 06/99 and I request a CCA, am I right in saying that the original agreement is required?

 

I'm probably wrong but any help would be much appreciated.

 

Many thanks

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no you are right.

 

whats the issue

 

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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Thanks for the speedy response dx.

 

I have been sent Court Forms from Northampton.

 

The debt is £430 and is a store card.

 

The account was defaulted some fifty one months ago,

no payment has been made for several months prior to that.

 

I intend to use this as a defence as the CCA request did not materialise.

 

What do you think of that as a defence to return to the court?

 

Thanks in advance.

 

Cmmser

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and you are overseas now?

 

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

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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when did you make the last payment on the card? Do you live in Scotland/ England or Wales?

 

Hiya.

 

Apologies for delay, haven't been feeling too well.

 

Last payment on card, prior to 06/10, this was the default date. I live in England

 

I will complete the form previously posted and post my answers.

 

Again, thanks for everyone's help. It's much appreciate.

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I know it can take ages for them to register a default but if your last payment was over 6 years ago the debt would be legally unenforceable.

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Morning all

 

These are the answers to the questions dx asked me for;

 

1) Lowell Portfolio

2) 04/06/14

3) claimants claim is for the sum of 490.

monies due from the Defendant under a Financial Services agreement

regulated by the Consumer Credit Act 1974 between the defendant (&&&)

and Ikano Financial services Ltd under ref (&&&&) and

 

assigned to the claimant on 04/09/12 notice of which has been given to the defendant.

 

 

The defendant failed to maintain the contractual payment under the terms of the agreement

and a default notice has been served and not complied with.

 

The claim also includes the statutory interest persuant to section 69 of the

County Courts Act 1984 at a rate of 8% per annum

( a daily rate of .09 from the date of the assignment of the agreement to the date of issue()

being an amount of 57.06. (The Claim Form has been signed by a named solicitor).

4) 490.17

5) IKEA Store Card

6) started 23/06/99

7) 04/09/12

8) Notice of Assignment was received

9) default notice received

10) notice of default sums received

11) ceased payments approx 12/09

 

Hope this is ok for you dx.

 

Thanks in advance for your help.

 

Cmmser

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Morning all

 

These are the answers to the questions dx asked me for;

 

1) Lowell Portfolio

2) 04/06/14

3) claimants claim is for the sum of 490.17being monies due from the Defendant under a Financial Services agreement regulated by the Consumer Credit Act 1974 between the defendant (&&&) and Ikano Financial services Ltd under ref (&&&&) and assigned to the claimant on 04/09/12 notice of which has been given to the defendant. The defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with. The claim also includes the statutory interest persuant to section 69 of the County Courts Act 1984 at a rate of 8% per annum ( a daily rate of .09 from the date of the assignment of the agreement to the date of issue() being an amount of 57.06. (The Claim Form has been signed by a named solicitor).

4) 490.17

5) IKEA Store Card

6) started 23/06/99

7) 04/09/12

8) Notice of Assignment was received

9) default notice received

10) notice of default sums received

11) ceased payments approx 12/09

 

Hope this is ok for you dx.

 

Thanks in advance for your help.

 

Cmmser[/QUOT

 

Think that the last payment was probably 4.5 years ago.

 

Thanks for the reply UKCA

 

Cmmser

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who is the solicitor

 

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

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