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dca/cca advice please


lucy113
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Hi, just looking for a bit of advice please.

 

I have a few credit cards and 1 store card debt from about 9-10 years ago.

 

 

I was paying £ 1 per month but stopped after being treated for cancer last year.

 

The debts have all been passed around to different dca's and now I've (hopefully) finished treatment I want to start tackling them.

 

Is there a thread on sending cca letters that explains the whole process as I know there have been changes

that may affect me as I took the cards out before 2007 s

 

 

o would like to know if it's worth me starting the cca process.

 

 

Would be grateful for any advice or if someone can point me in the right direction.

 

Thanks in advance

Lucy

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yes send a CCA request

to each one.

 

blank £1PO

don't sign anything.

 

are these debts 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 dx and thanks for replying.

 

 

Yes, they are on my credit file.

 

 

We're originally

bcard,

Barclays bank,

bos,

cap 1,

Abbey and

debenhams.

 

 

Been through various dca's And now getting letters from Robinson way, Westcott and mkd.

 

Pretty sure they are all pre 2007.

 

Thanks for the link, will get them off today

Lucy

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post 2 tells you all

 

 

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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  • 4 weeks later...

Just a quick question.

 

 

I was being threatened by marlin on behalf of Cabot who they say are my current creditor

 

 

I sent my cca request to Cabot with a copy to marlin.

 

 

Also sent marlin a letter saying I wouldn't enter into any further correspondence until I get a true copy of the agreement from Cabot.

 

Just want to make sure I sent the right letters to the right people!

 

Thanks

Lucy

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ONE CCA request to whomever is currently chasing you

 

 

don't waste silly stamps on their minions.

simply invites letter tennis

 

 

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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  • 2 weeks later...

Hi, got a letter from marlin saying they will apply to original creditor for the cca.

 

 

Also received a letter from Westcott saying I have to apply to arrow as Westcott are working for them

and I have to arrange a payment plan in the next 28 days.

 

Wouldn't it mean the account is in dispute or doesn't that happen until I write to arrow for a cca request?

 

 

Will get that in the post for Monday anyway.

Lucy

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let it run.

 

 

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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As DX says let it run. They are all fully aware of the rules and as result are trying to get away with not following them.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 3 weeks later...

well done

 

 

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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  • 3 months later...

Still not heard anything from my cc companies.

 

 

Did a cca request for my oh.

 

 

A santander credit card now being managed by robinson way.

 

All they have sent is a statement of transactions from 25th Jan 08 which is when I think the card must have been taken out

and a copy of a credit agreement which isn't signed.

 

 

The accompanying letter states 'pleased find enclosed relevant documents for your attention.

Please note if an original credit agreement was not available under the consumer credit act a reconstituted copy may be provided'

 

Just want to check this is correct and any advice on what to do next is greatly appreciated ��

 

Thanks, Lucy

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A recon can be sent yes, but if the agreement was taken out prior to 07 then they will need the original to take any legal action.

 

How did you take these out and when?

 

So robbersway is chasing for the satansbank card?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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best start a new thread for this one

 

 

check her credit file

it should tell you the date it was opened

 

 

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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