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I hope this doesn't seem flippant, but as I have sent off some cca requests (and optimistically anticipate nil credit agreements showing up), am I entitled to claim back my £1 fee if the dca's can't supply said agreements?

(In my case this could be a lot of £1's!)

thanks for any advice .....

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Howdy and good to see you're doing some pioneering! I'll follow your thread.

But the more I think about it, it seems apparent (certainly in principle) that they can't accept a fee for a service they haven't provided. That is where the illegality kicks in after 30 days of failing to supply the appropriate agreement.

I wonder how quickly the dca would roll over and pay up?

Good luck with your vanguard!

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Hi - the first cca requests I've aimed off are to the Lovely Lowell Lot, Trustworthy Thames Credit, and We-Won't-Rip-You-Off-Wescot Credit.

Got any exchanges going with them? I've only just sent the letters off and they haven't been signed for yet (according to the 'trace and tracker').

 

I'm looking forward to seeing what (if any) their responses will be.

Two claim to have bought the debts, and the third say they are acting as agents.

I'm finding this cca request business not a million miles away from doing the lottery. But with much better odds!

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I hope this doesn't seem flippant, but as I have sent off some cca requests (and optimistically anticipate nil credit agreements showing up), am I entitled to claim back my £1 fee if the dca's can't supply said agreements?

(In my case this could be a lot of £1's!)

thanks for any advice .....

 

I've started stipulating in my letters that I want the money back if no charge is normally made or if they fail to provide the service. And that it mustn't be paid against the o/s balance.

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