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Everett

CCA Requests no response ?

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Mine is outdated as it has a reference to the defunct OFT.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

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no current wisdom is you send nowt.

 

 

so those that have failed

you can consider stopping or reducing payments to them.

 

 

dx


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Yep, send NOTHING, and if they're unsecured debts then STOP paying, they'll know why.

 

Although, what accounts are these?

If they're mobile phones or overdrafts,

the a CCA request is useless,

which might be why you've had no response?


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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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.

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Yep, then if they are serious about collecting debts rather than just taking money from you they will do something that fulfils the CoP's they are supposed to work to. So far, they havent given you a lawful reason to continue with them.

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So cash cowed blind on evey debt

 

No CCA no pay

 

Yes dump step change


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if they dont own it, and have returned the request, then do the cca to the actual creditor.


IMO

:-):rant:

 

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whomever are wetcloths client from their letters gets the cca

but the fact that wetcloths have batted you away

means its un-en, they know it

and you'll probably find none of your payments appear on their clients statements

 

 

called cash cowing

 

 

dx


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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.

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do any outstanding cca requests, to the original creditor if required.

then take stock.

ooi, why are stepchange wanting to close things?


IMO

:-):rant:

 

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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.

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thanks for posting back.

yep, only pay what you can afford.

plus, maybe nowt if they cant satisfy a cca request.

have they been defaulted, or under arrangements, on the credit files


IMO

:-):rant:

 

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dump them.

 

 

dx


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Stepchange are now part of the problem, as they will set up payments and allow cash cowing, even if a debt is unenforceable.


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same as every DMP Provider fee paying or otherwise


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Clearing ''Non priority'' debts DOES NOT, nor will it, allow you to have a life.

 

If they cannot, or will not, satisfy your legal CCA request, then there is absolutely ZERO point in paying them anything, least of all entertaining them in any correspondence, regardless of it affecting your credit file, if that has any meaning to you?

Besides, credit files aren't for you, they're simply a way of companies and corporations to make money out of each and every one of us.

 

CCA requests should Always go to the circus outfit who is doing the begging, if they then fail to send it on to their 'client' or simply respond with the standard ' send it to our client yadda yadda yadda' then you can ignore them.


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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Absolutely BB, paying a DCA that bought a debt for pennies then paying them through Stepchange or an other DMP is money down the toilet especially if the debt is old and potentially SB.


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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.

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they get paid by the banks

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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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.

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..

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

so maybe they are not quite concerned about challenging things. :)

ooi, do they ask things like whether there's any ppi to claim, and advise on how credit files are effected by an 'arrangement' cf. a default, etc. or do they just do an IE and then offer whats available to all the creditors


IMO

:-):rant:

 

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

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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 ?

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lots aren't supposed to happen

but that's fleecing DCA's for you.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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