CCA Requests no response ?

[Everett]

On the 20th September I posted off nine CCA requests all by signed for post.

 

Of these only one company NCO (Amex ) have sent a copy of the CCA which I posted up under the AMEX sub forum.

 

Two have replied and said they have asked the original creditors to supply the CCA and one has returned my request and postal order and asked me to write to the creditor directly.

 

So five have not responded at all,

what is my next move ?

Is there a template letter I can send ?

Mine is outdated as it has a reference to the defunct OFT.

 

Thanks

 

Everett.

[Everett]

Robinson Way were sent three of these requests.

 

They have now replied to just one of them

saying due to the age of the debt they cannot supply an agreement

but I should continue to make payments through my DMP.

 

They have not even acknowledge the other two ?

 

This one they have acknowledge is the debt with the lowest value,

i'm just wondering if they are playing a game of poker with me ?

 

Still to date only the one agreement has been returned NCO (AMEX )

ironically they have also just written to me offering a 40% discount if I am in the position to clear the debt !

 

Westcot have also written to me twice ( natwest CC )

once to say that any CCA requests have to be sent to the creditor directly and have returned my PO.

 

And a second to say they are concerned that I have not cooperated with Step Change and I must do so at once !

 

Obviously Step Change sending out such letters.

 

Step Change have also extended my deadline for closing my DMP by one month.

 

BTW these are all CC cards ,Loans and store cards.

 

I think it is time to close my Step Change DMP and go it alone.

[Everett]

Cheers chaps.

ATM it looks like I should only continue to pay NCO /AMEX .

 

I am Stopping my Step Change DMP.

 

As for Westcots

they only took over from RBS Cards around three months ago,

up to then RBS were paid directly and my payments did show on all monthly statements.

 

As I stated in another thread

the only reason I am at this conjecture is because of Step Change threatening to close my plan with them.

[Everett]

Disagreement over I&E that's all.

 

I want a bit of a life,

they say they are governed by constraints and protocol and if I want to be with them then I must agree to their terms and conditions and must abide by their formulas ( or what the banks say I need to live on )

 

 

let me tell you its no life of luxury,

they want every last drop of spare cash from you and are very clever in their calculations to do so.

 

By doing this they claim its to help me clear my debts and regain a life,

but I haven't applied for, or taken out any form of credit in over ten years bar my sim only contract and my broadband.

 

Ironically my credit score is 997, just goes to show how bent and corrupt it all is.

 

I want to pay them what I can afford to pay them not what some heavily one sided formula says.

[Everett]

Its worth noting that so called "charities " such as Stepchange cover their overheads by getting paid a percentage of what they collect.

 

Its in their interest to get as much out of you as possible,

they are simply agents of the whole sordid debt collection industry with a nice glossy front to entice you in.

 

My advice to anyone thinking of using a DMP company is dont ! Do it yourself, I wish I had and have learnt the hard way.

[Everett]

I asked my stepchange advisor yesterday how they were funded after she told me every single penny they send to my creditors comes off my debt.

She said they get paid a percentage on everything they collect.

[Everett]

Youve hit the nail on the head. Pooling agents for the DC industry.

[Everett]

One of my creditors Capquest, responded to my CCA request and said they were contacting the original creditor and would forward the documents as soon as they received them ( that was over two months ago )

 

In the meantime I have received a letter from NCO Resolve saying they are now collecting the debt on behalf of Capquest ( shows its all one big corrupt cabal ! )

 

 

my question is,

seeing that Capquest have acknowledged my CCA request but have not furnished me with the documents within the prescribed time limit, is this legal ?

 

 

As I thought the debt becomes in default and in dispute and cannot be administered in anyway whilst it is classed as being in dispute ?

[Everett]

its now coming up to nearly four months since I sent out CCA requests to my creditors, all but one have replied and two sent legit agreements.

 

However one of my larger debts is managed by Arrow Global ( ex Egg Loan ) last week they sent their so called CCA.

 

It was

1: A signed application form /

2: A signed Direct Debit Mandate /

3: A statement of payments to date.

 

But NO terms and condition relating to the agreement.

 

They say this fulfils their obligation under the Consumer Credit Act and now look forward to my proposal for payments.

 

Is this null & void and should I send a reply ?