advice needed,on so many debt collectors after me

[franmc12]

Hello everyone, just been reading through the threads. Can anyone tell me if i can still ask for a CCA, even though i sent a letter, Income and EXpeniture form and a £1 token payment to four of my DCA's.

[franmc12]

Hi 120805

 

At the moment i am paying a token payment to my creditors as instructed by the CCCS. Four of my creditor's have sold my debt to DCA's. I didn't know that i had to request a CCA before i started paying the DCA.

I have been paying a token payment since Sept 06, and as my finances have not got any better, this is all i can afford to pay.

 

What i wanted to know was can i still ask for a CCA, from these DCA's.

 

Hope i make sense.

Fran x

[franmc12]

Thanks Michelle, will do that straight away.

 

Fran x

[franmc12]

Many thanks 120805, have done what you requested, and will be sending off the letters tomorrow.

 

Thanks again for everyone's help, its nice to know i'm not alone.

 

Fran x

[franmc12]

I sent a letter to Barclaycard asking for my CCA. They sent me back today a form which had my personal details, Income etc.. etc..

 

At the bottom of the form in a box, it stated that this is a 'Credit Agreement regulated by the Consumer Credit Act 1974'. You then have my signiture and date.

 

Can anyone tell me if this is a Credit Agreement, or my application form.

 

If it is a true copy, do i just carry on paying the DCA as normal.

 

Thanks

 

Fran

[franmc12]

Would it make a difference though, because when i applied for it, it was all done online, they then sent me this form to sign through the post?

[franmc12]

Hi Priority1

 

What do i do now? Do i write to Barclaycard again, if so what do i say?

And seeing how they have passed my debt over to a DCA, do i just carry on paying the token payment to them to the DCA?

 

Many thanks

 

Fran

[franmc12]

Failed to say Priority1

 

On top of the letter it says, ' If you have been asked to forward documents with your application, please remember to enclose original copies'.

[franmc12]

Great to see a proper Credit Agreement, it now means the one i recieved from Barclaycard is my application form. Do i have to write to them now saying that they sent my application form, or do i just wait for them to default.

 

 

Many thanks

 

Fran

[franmc12]

Hi Mich

Just to let you know debt collector's are not allowed to enter your property either through an open window, or even through the gate. If they dont leave you can actually call the police. The only one's that can come in through an open window is a Baliff, but only if you have a county court order and haven't paid this order.

 

Hope this sets your mind at rest I too am in the same boat, and even though i get down at times, just remember there is worse things going on in this world than being in debt.

 

Best wishes

 

Fran