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dori2o

CCA request, non compliance.

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OK,

 

Sent CCA request to Scotcall, waited the 12+2 days, and have now left it 35 days after that. I sent them the letter after the 12 days to advise that they were in default and needed to produce the CCA within the 30 days to be able to recover the disputed amount, but what letter do I send them now to advise that they have deafulted completely, and that the disputed debt is now unenforceable.

 

Many thanks

 

Stu.


GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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Dont think there is a template letter for this.

 

You need to give a little more information before I can advise you on which letter to send. What was the debt for; have you sent a SAR request to the original debtor to see what penalty charges you can recover and if so, were the charges more than the debt owed. Also are you aware of any charges levied by Scotcall?

 

The more information you can give, the better we can advise you.

 

Hope this helps.

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Hi dori2o firstly they defaulted after 12 working days and have now commited a criminal offence the last bit i would suggest could stop them trying to enforce the debt through the courts if they were to find the documents required as you have the non-compliance issue you can deal with as you choose. If you wish to complain for this you would contact TS (trading standards). If you are trying to claim back charges then try sending a SAR.

I assume you have stopped paying them

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Hi, thanks for the replies, it's actually a debt I thought I had paid off, but the last contact I had with the finance company was in 1997, when I made the final payment.

 

I sent the CCA and also advised I did not recognise any outstanding balance.

 

I wanted the agreement to makesure it was the one I thought it was. But have received nothing back.

 

Also, hoped that by sending me a statement of the account, it would also prove that any supposed balance is now statute barred.


GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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I think you should wait for Scotcall to contact you again before you contact them. I suspect that they won't bother.

 

However, they have failed to comply with the CCA request and they have committed a criminal offence. I think this should be reported to Trading Standards whenever it happens. These companies get away with murder so until they are properly regulated, we need to complain every single time they step out of line.

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Ok, which TS office do I contact, my local one, or the one local to Scotcall.


GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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TS like you to contact your local office. I've never been that clear why.

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