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I have several accounts with JD Williams unfortunatly I got into difficulties paying these accounts as reccommended I sent them a CCA with the 1.00 payment I have just received letters from them saying thank you for the payment but your still in arrears should I send them another letter if so is there a template? or do I just sit tight and wait for them to default I am sure I never signed any credit agreement on any of the accounts as they were all opened over the internet in 2005, any advice or help would be very much appreciated.

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Sit and wait.

  • Haha 2

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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Do as Vampyra says - it's not your responsibility to remind them of the law and they acn use the £1 against your debt if they want - it doesn't stop them having to comply with the CCA.

  • Haha 1

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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