Any ideas how I should respond to letter from DCA after CCA?

[Pliny the Penuriosus]

If they can't supply a properly executed 'signed' regulated (£25K or less) agreement they can't enforce the debt period

[PriorityOne]

If they can't supply a properly executed 'signed' regulated (£25K or less) agreement they can't enforce the debt period

 

Yes.... I have done this with one of mine .... but then, I have no morality when someone is hounding me for money....

[sar011279]

I do have morals... ish, but it's just nice to know that there may be a way out if we really need it. I know for sure I'd rather live with my concience than end up bankrupt and homeless.

[tiglet]

I think the best position, as I've said on other posts, is that if the original creditor defaults on the CCA, you are in a bargaining position to pay off your debt with a "full and final". When they have defaulted, you are perfectly within your rights to report them to the OFT - however, if THEY want to advoid that by agreeing a ridiculously low settlement figure, taking into account what you ahve already paid - that's up to them

[PriorityOne]

I think the best position, as I've said on other posts, is that if the original creditor defaults on the CCA, you are in a bargaining position to pay off your debt with a "full and final".

 

In theory, yes. However, one of my creditors began issuing threats despite the fact I'd been paying them on time and every month for 4 years. They then tried to confuse the issue by mentioning several different companies, which I found out were owned by them anyway.... so I CCA'd them all.... which I don't think they were expecting.

 

None of them had it and I have written confirmation of that now. So, I have told them all to take a hike.... I have no intention of offering a F & F to any company who bullies its customers into increased payments that they cannot afford. In this case, it's slapped them in the face in a fairly big way.... as there was over £3.5k still outstanding.

 

Their status with the Inland Revenue is currently being investigated.....

[tiglet]

It really does depend on individual circumstances and people's individual decisions - there are circumstances, I agree, where the reprehensible behaviour of some DCA's does make you want to give them two fingers and tell them tough ...