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CCA argument, don't trust them


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Hello again:

I'm the wrong end of a bottle wine celebrating the fact that CQ have returned my file to Cap1.:D

 

You may be interested in their response re. CCA request.

 

They wrote ... "I would like to confirm that all requested documentation was issued to your adddress within the required guidelines set out in the CCA Act 1974."

 

These are weasel words. Yes, they sent the requested documentation to my address within the guidelines BUT the documentation did not allow them to legally pursue the debt!!!!

 

Ergo, they can bugger off. If I wasn't such an awkward chap, they could have got away with this. The proof is in the pudding, they didn't take it any further. Damn shame.

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They wrote ... "I would like to confirm that all requested documentation was issued to your adddress within the required guidelines set out in the CCA Act 1974."

 

Persay, they have complied with the request...

 

What they have sent however is/may not be... enforceable...

 

This is the mistake that a lot of people make.... Just because what is sent back is unenforceable, it's assumed that non-compliance has taken place. When in actual fact, there is compliance, however, the compliance leads to unenforcabillity. 2 different things.

 

DEAR SIR/MADAM,

 

Thank you for xyxyxy documents, you do realise that this does not comply

with the Consumer Credit Act 1974, and therefore is not enforceable...?!

 

Yours...................

 

Good luck & best wishes. Regards, Dave.

 

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Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

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