CCA Requests

[KSRGRIFF]

Hello,

Could someone please point me in the right direction for the most up to date template for the CCA letter?

Thank you!

[ims21]

Hi and welcome along.

 

Here you go

 

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

 

Care to tell us the story to see of we can help you?

[rebel11]

Hi KSRGRIFF

 

Welcome to CAG

 

Green tab 'Library', send it Recorded Delivery with the fee.

[KSRGRIFF]

Thank both for your quick responses. Apologies for the stupid question, how do I know which Section I need to request the CCA under, 77/78/79?

[ims21]

What type of account? Loan/Credit Card/Other?

[KSRGRIFF]

Credit Cards

[ims21]

Section 78 for running credit

[KSRGRIFF]

Amazing, thank you!!

I'll update when I get something, if anything back

[KSRGRIFF]

These letters are going out today,

 

 

I just wanted to check, do they have 12+2 days to respond?

 

 

My intention is to offer them a Full and Final Settlements, depending on their response,

 

 

although all of the 4 credit card/catalogue debts were original taken out before April 2007

 

 

and are now with DCA's,

 

 

so I am not expecting much of a response if any!

[ims21]

Yes 12 + 2 working days.

 

If they fail to provide then they cannot enforce via court action.

[KSRGRIFF]

Thank you, I would like to get these cleared once and for all, if they are unable to provide the correct paperwork, what are the chances they will accept a full and final settlement?

[oleg]

As ims said it means they can't enforce in court so it is possible that you can stop paying completely, but that depends on circumstances.

 

I advise you to start a separate thread for each debt, giving a bullet point history and including the original / current owner and debt type in title.

[spots1]

I would`nt offer full and final until you have all the details from the cca .

[KSRGRIFF]

Also I am a bit confused,

 

 

I have just been onto my Equifax and Noddle accounts and

 

 

one of the credit cards I am being chased for,

 

 

the last letter I received was from FIRE 7/5/14.

 

 

Original debt was with RSB, now with Cabot,

 

 

but it does not show at all, anywhere!?!

[ims21]

Also I am a bit confused, I have just been onto my Equifax and Noddle accounts and one of the credit cards I am being chased for, the last letter I received was from FIRE 7/5/14. Original debt was with RSB, now with Cabot, but it does not show at all, anywhere!?!

 

Maybe it was defaulted more than six years ago so has dropped of the file.

[bbf]

Hi

Can anyone let me know how long a copy of the credit agreement should take to receive if I have asked for it

 

 

after Marlins (through Mortimer Clarke solicitors) took me to court in November 2013 for an unpaid Barclays Partner Finance debt.

 

Thank you in advance.

[ims21]

Hi

Can anyone let me know how long a copy of the credit agreement should take to receive if I have asked for it after Marlins (through Mortimer Clarke solicitors) took me to court in November 2013 for an unpaid Barclays Partner Finance debt.

 

Thank you in advance.

 

Post #10 above, 12 + 2 working days

 

(Unless they have won at court and you have a CCJ)

 

Please start your own thread if you need help with your situation.

[KSRGRIFF]

Hello,

I'm after a little bit of advice please,

 

 

I sent CCA requests to Cabot re three debts CC Bank of Scotland, no longer on credit file,

2 Barclaycards start dates 5/05 and 9/03 and

Arrow Global re two debts,

Shop Direct start date 5/13 and

MBNA start date 10/06

 

From Cabaot I received 3 letters all the same advising they didn't have the original agreement

and they would contact the original creditor and come back within 40 days?

The 40 days will up on the 9th November.

What is my next course of action, if any?

 

From Arrow they have replied saying that they are not the creditor as I have stated

and they will contact the original creditor requesting documentation, no time frame given.

Again, what is my next course of action, if any?

 

TIA

[theoldrouge]

no action needed at the moment as regards the cca requests

 

any ppi/charges to reclaim on these accounts?

[KSRGRIFF]

There would be no PPI. Would trying to claim charges not be saying 'yes the debt is mine'?

[dx100uk]

once you have sent the CCA request

they have 12+2 working days to reply WITH THE SIGNED ENFORCEABLE CCA.

 

 

if they don't

then I'd consider stopping any payments.

 

 

dx

[theoldrouge]

Agreed

[KSRGRIFF]

I've stopped payment anyway. Thanks for your responses, I'll just wait and see if they ever come back with anything

[dx100uk]

old and new threads merged.

 

 

so , you appear to be weeding out the people that have been fleecing you

 

 

dx

[KSRGRIFF]

Yes it would seem that way