what is a cca?

[lihi]

Hi

 

I'm having problems with littlewoods accepting my payment proposals and refusing to stop interest charges. Having spent some time on this site I keep seeing mentions of CCA's, can someone please tell me what they are? what they do? and the benefits/faults of requesting one and how I go about it?

 

Many thanks

[linz2011]

Hi you need Letter N - send to debt collection agencies and littlewoods along with £1 and see what they come up with

 

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

Good Luck

[djdave]

Keep in mind that catalogue companies rarely have signed credit agreements, but instead will claim that as you received goods you must have somehow mysteriously agreed to one.

[hisholinessthepope]

CCA is the Consumer Credit Act. It is the law if companies want to offer credit like visa cards, loans and most store cards and catalogue.

 

The template link above is for you requesting a copy of the Credit Agreement in accordance with the CCA. It is a right you have under section 77 78 or 79 of the act depending on the account type in question.

 

Without a valid credit agreement any debt on the account is unenforceable. That is if they take you to court to enforce the debt and can not produce a valid credit agreement when you ask for it in your defence, they lose.

 

I am unaware that anyone has ever got a valid credit agreement from Littlewoods and I know of several people (myself included) that have stopped paying when they do not produce one.

 

On the downside, whilst many people believe they shouldn't, they will almost certainly issue a default notice and put a black mark on your credit file. Several CAGers are starting court action to remove the defaults and adverse comments but this is a long and slow process and may or may not succeed.

[alibobsy]

I think some people have gone down the complaints to the FOS and the information commisioners office, but again as his holiness points out also long winded. I am at this stage with littlewoods and just trying to decide which way to go, have seen a third stratergy suggested. An offer in full and final settlement of the account in return for removal of all entries on the credit file. Given that they know they cannot enforce the debt this might work and you might get away with a very low offer say 10%(this is the sort of level they would get from a DCA). All this is pretty new so far so its a case of read, read,read and then see down the line what stratergy works best with each company/dca.

Good luck

ali x

[lihi]

I can use these CCA requests for other creditors including littlwoods then?

 

My current debtors are;

 

Argos

Wescot (o2)

halifax (in the process of being passed to blair oliver & scott)

First Credit (woolwich overdraft)

and Littlewoods

[hisholinessthepope]

Some of them.

 

Argos yes.

O2 probably no. I had a run in with Vodafone and it seems mobile phone accounts are not under the CCA.

Halifax yes if its a loan or credit card.

First credit am not sure, some overdrafts are covered but not all by the CCA. And there are different rules regarding agreements (I think - not been down this route).

Littlewoods yes.