Cabot Claimform - old Loansdirect LLoydsTSB Loan debt - CCA return after claim being since stayed.

[purpleleo]

Not sure whether this is the correct forum but some 11 months after I requested a copy of my credit agreement under the CCA 1974, and paid the requisite fee, the DCA has provided this and are threatening to obtain a CCJ. I’ve read that they have committed an offence by failing to provide the documents within. 12 + 2 days but wonder whether anyone can give me some advice. I stopped paying when they couldn’t provide the copy as requested. 

Thank you 

[dx100uk]

then what you read is over 10yrs old.

scan it up to one multipage pdf after reading upload

lets see the bogroll they've sent

 

dx

 

[purpleleo]

Thank you for your quick reply. I attach the letter received. Looking back through my papers I see I applied for the document to the DCA's Solicitor in June of 2020. At the same time the Solicitor applied for a CCJ but proceedings were stayed and have been ever since.

Thanks for your help.

dca.pdf

[dx100uk]

the CCA return not some silly letter...

 

you say its a stayed claim?

 

please complete this:

You have received a Court Claim ISSUED IN ENGLAND & WALES What you need to do - Financial Legal Issues - Consumer Action Group

 

and post up the defence you filed too.

[purpleleo]

im attaching the front page of the credit agreement together with a letter from the court. The defence filed was the inability of the claimant to provide a copy of the credit agreement

Thank you

Credit agreement.pdf Court paper.pdf

[dx100uk]

can we see the full CCA return please

stop playing secret squirrel.

 

and answer that questionaire please

 

this is 2021 not 2006 , things have moved on so no need to hide stuff anymore.

 

dx

 

 

[purpleleo]

Ok, not overly helpful. 

Thanks 

 

I’m certainly not going to upload anything which could identify me

and don’t know why you’d need that. I’ll leave it. 

[dx100uk]

didn't say do that.

 

but please remember don't use a pen to obsure things , we can see through that upload.

read our upload guide carefully it will help you and tell you what we need and don't

 

there are 1000's of claimform threads here, 

 

answer the questionaire above so we have the correct info to help you properly.

 

dx

 

[dx100uk]

as for the CCA you uploaded

thats enforceable so if they have page 2 and have included the pages of T&C that should be with it

you are on dodgy ground here if you last paid this within 6yrs.

 

did you request in your CPR 31:14 or mention in you defence - the Default notice?