1st Credit

[questioner]

Now what does this tell us?

I asked again for a CCA and the crud have once again sent me the very same letter – WORD FOR WORD - which they sent me two months ago. It states that the requested Copy Agreement doc is retained by the client and that they will arrange for it to be sent to me as soon as possible. But that is what they said in the same letter before when all I received was the badly scanned copy of the page I mentioned before on this thread. I bet they will do the same again.

Now once again their standard letter states that they will send me something called a ‘Deed of Assignment’ if I so wish and charge me a tenner for it. What is this doc – is it something different to the CCA I have requested? I don't need it do I?

Is it me or are the crud now clutching at straws in this case as they seem unable to get the OC to send me a CCA. If so I suppose plenty of huffing and puffing to come when I halt payments. They also sent me a form to sign which effectively makes me pay them tokens for the next 70 plus years but I think I shall hold on to that for the moment.

It's getting quite silly now.

[babybear39]

I think they mean 'notice of assignment' which a copy of is included in your CCA request that they cannot charge you £10 for

[questioner]

They do say ‘Deed of Assignment’ and then refer to section 136 of the law of Property Act 1925 which they say provides that the debtor is notified of assignment of the debt in writing and not the copy of the Deed itself. I feel this is all about trying to tie me in knots, or am I wrong?

Still, as I said before, they have promised the CCA 'before' and only sent me that poor single page scan, which is apparently supposed to impress me into towing their line for the next 70 years.

[ODC]

It is unlikely that you will ever see the Deed of Assignment as it contains detailed information such as how little they paid for the debt but you are entitled to have a letter assidgning the debt to these mongrels

[questioner]

But the querstion remains as to why are they taking so long to pull up a proper CCA which they have promised twice now.

[babybear39]

Difficult to predict with these *****. At what stage are you at re: deadlines?

[ODC]

But the querstion remains as to why are they taking so long to pull up a proper CCA which they have promised twice now.

Have you thought that the delay may signify that they do not actually have a PROPERLY EXECUTED CCA WHICH CONTAINS ALL THE PRESCRIBED TERMS

[questioner]

They are the ones who have been given a deadline in that they have so long to comply with my request or else I shall halt further payments.

I mean why should I pay if they cannot prove a debt via a CCA?

And if I get to settle up with other more polite debtors their nasty tactics will have failed them when they get ignored in that process.

[ODC]

i wonder when the bullying telephone threat monkeys at Worst Credit and the like will finally get the message. They threaten and bully people so much that they use this new fangled device called the Internet and discover that they are not alone. On the Internet you discover wonderful sites like this, you learn all about the CCA 1974 and 2006, The Limitation Act 1980 and now the wonderful Consumer Protection from Unfair Trading Regulations 2008 not to mention s40 of the Adminstration Of Justice Act. These of course are things that the greedy bloodsucking leeches do not want you to know about. They are not excuses for debt avoidance but merely the law of the land and the sooner Worst Credit and other alleged DCA bullies realise this the better. Hit them where it hurts - their pockets. Report them to everyone you can think of including your MP, OFT, Trading Standards and the media.

[questioner]

Yes that is good stuff ODC. In the old days folks thought they had to simply do as they were told and trust any letter that came through their doors but we are now thanks to sites like this finding out about DCA trickery. As you say it is not a matter of dodging responsibilities but just about knowing one's right.

 

Still awaiting the crud's CCA and I complained over westsnot to BT who seem to have chased them off for me. Both firms have acted like bullies and I am not accepting their abuse - no way ever!

 

DCA's listening - please note that many of us respond better to respect and logic rather than to your odious threats and intimidation.

[ODC]

Because the cretins who work for DCAs rely on the bonuses for their salary they will do or say anything to CONvince you to pay.

[questioner]

The crud have gone to ground after my CCA request – no sign of the creeps.

Westsnot have also shown how silly they are too after all the nasty calls they badgered me with I recently discovered that the account in question was not even mine.

They are both a joke.

[ODC]

Im still waiting 9 months on my CCA request from Worst Credit.

[questioner]

I everyone pressed them like we are doing for a CCA them they would not last long I feel.

 

You would think they had covered this simple loop hool in their greed strategy would you.

[questioner]

It’s getting quite funny now for the Crud has now sent me THREE identical letters all saying that they are asking for their client to sent me the CCA. Why, one asks, is the client NOT responding properly to THEIR requests? Can’t they find the bloody thing or what?

The last time was when they sent me the bad single page scan, which was clearly aimed at impressing me into believing what they told me.

[babybear39]

Perhaps their threatomatic has got stuck

[questioner]

Perhaps all of us folks who are still awaiting the crud to comply with our CCA requests need to ask them to give us written confirmation that they should now walk away for the alleged debts. If this cannot enforce them in court what is the point of everything else they now do?

[trevor33]

MH aren't the brightest. As you've already advised them that 1st crud have been CCA'd, report them to Trading Standards and the OFT.

From what has been posted by other CAGers, TS and OFT do not seem to have any clout or may be they are very reluctant to enforce the consumer rights.

[babybear39]

TS and OFT just need reminding of the CPUTR 2008 which incorporates the Unfair Commercial Practices Directive...

 

CPUTR 2008 is LAW not guidlines

[trevor33]

Yes bb, but will they do anything?

[babybear39]

Quote the law at them It's relatively new so we're still waiting...

[veryweary]

Perhaps all of us folks who are still awaiting the crud to comply with our CCA requests need to ask them to give us written confirmation that they should now walk away for the alleged debts. If this cannot enforce them in court what is the point of everything else they now do?

 

With no agreement all they can do is try to suggest it's immoral of you not to pay. Course it's just business and nothing immoral when they harass and bully people night and day to pay debts they can't even prove:rolleyes:. As BB39 says if they keep harassing, keep reporting them.

 

Send them a formal complaint when they default on your 2nd CCA request. They'll reply by sending you a letter which confirms they can't enforce the debt in court until they produce your agreement. If it's the same as mine then you'll also have the oppurtunity to take your compalint to the FOS:D.

 

Keep the letter safe in case you ever need it.

[questioner]

It really is a very odd state of affiars indeed. The Crud originally shout and scream at you - then when we ask for the CCA they back off and get all polite. I simply cannot beleive that such a cock-eyed and silly outfit can work like this is a society that has gone so radically overboard on officialising us all so much. They must be exposed and they must be stopped. Whoever brought in this CCA request law wants a medal.

[questioner]

If they keep NOT sending the CCA as requested several times is there a time limit to them being able to enforce the alleged debt?

 

Does a time come when one can legally tell them to go away or else???

[Hman74]

I have sent CCA requests to 1st Credit going back to 2005! They never sent an agreement but STILL send demanding letters, CCJ threats, doorstep collections etc!

 

What can we do to stop these people writing harrassment letters, when there is no acknowledged debt??