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they have'nt removed the default??


justjuicy2005
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Hi, about a month ago i sent a cca request to intruim jusitia as i was unsure of the debt. Turns out they never had a copy and sent me a letter stating this and saying they were passing the debt back to avon. I wrote to them couple weeks back asking them to remove the default on both my credit reports. The letter has been recieved but i have heard nothing.

Do you think its worth sending a copy of the letter they sent me to each of the credit refrence agencys with a cover note? and do you think they will be able to remove it?? I really DONT want to ring the debt people up, but they have provided a number and name of the person dealing with it and it says if i have any furthur questions i should ring.

What do u think? any help greatly appreciated!!!

Thank you

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Oh also i have another small prob! asked lowell for cca, they could not comply so the default was removed, no letter or anything, it was just gone!! that was a month agao, however this morning i recieved a call from them demanding payment of £10 per week, i didnt say anything to them about the cca they couldnt comply with as i couldnt remember without looking through my letters ( dealing with a couple at the moment!) i said i couldnt make a payment today and they said they were going to take action. Surely they cant do this if they havent the cca? what can i do about them as i dont want the default to go back on. thanks

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Oh also i have another small prob! asked lowell for cca, they could not comply so the default was removed, no letter or anything, it was just gone!! that was a month agao, however this morning i recieved a call from them demanding payment of £10 per week, i didnt say anything to them about the cca they couldnt comply with as i couldnt remember without looking through my letters ( dealing with a couple at the moment!) i said i couldnt make a payment today and they said they were going to take action. Surely they cant do this if they havent the cca? what can i do about them as i dont want the default to go back on. thanks

 

Juicy--- NEVER speak to them on the phone...Just dig out the letter they sent you re not having OA..Copy it and send them another letter stating the obvious to them :-D Don't ever talk to them on the phone..

Just hate every DCA out there

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Is the debt justified? I hope the so called debt is not made up of unlawful charges. If it is made up of unlawful charges, then you should be sending a SAR letter to give you an idea of all the charges you have made. When you know the charges, you can then begin claiming the money back.

 

If the debt is justified, write to them stating the amount you can afford per month or per week. Write the first cheque of the amount you can afford and state in your letter that you will consider the cashing of the cheque as an acceptance of your arrangement.

 

When they cash your cheque, make sure you keep to your arrangement and do not be bullied by their letters.

 

Good luck

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