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help re-cca please newbie


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hi I receved a letter from cabot a few months ago for a debt from few years ago for a cradit card from barclay I contact cabot and made an arrangement to make repayment each month on to that account they agreed. so i was wondering will i still be able to ask them for a copy of the cca are is it to late for that. now

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no go ahead


might be suprised!



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Certainly the best thing to do. Don't forget to put in the letter, I do not acknowledge any debt to your company.


Although they'll likely tell you the CCA does not apply, they will still most probably EVENTUALLY get you a copy. Stick to the 12 working days + 1 calender month timeline. And if it was me, if it still hadn't appeared by the 12 day deadline, I'd write and tell them they are in default, unenforceable without a court order, stopping payments until dispute is resolved etc.


I would also add in, that the £1 fee is ONLY to be used in respect of the statutory fee to allow them to comply with your request. And I'd also add in something along the lines of, If you do not acknowledge that you are obliged to comply with my request under the terms of the Consumer Credit Act 1974, I require you to explain to me which Act it is that you claim the rights of this account have been assigned.


I may be wrong, but I don't THINK anyone has had an actual response directly from them regarding that question.


Keep us posted though. And Welcome to the Club. :)

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