This topic was closed on 08 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Many thanks. On topic, does anyone know if the profits for DCA are falling due to the public being more aware of what limited powers they actually have?

Hi David. Understood. But surely as I requested it back in January and it never appeared, they cant just produce it now as its now not only 12 + 2 days past the request date its nigh on 9 months?!

Here we go again..... Sent the letter as per post # 64 in this thread and got the following response... "Dear Sir / Madam. We refer to your recent communication requesting a copy of the relevant agreement. The document is retained by our client. We will therefore advise them of your request and arrange for the document to be sent to you as soon as possible...... etc etc etc..." BUT surely as they have already missed their chance to send me the CCA as per the start of this thread in January they just cant send it to me now and that makes the whole process back to their side again?

Many thanks for taking the time to respond I should point out I have been making £1 per month payments on the account still. Does that hold me in admission of 'guilt' ????

Update. I recieved a letter from LCS Solicitors a couple of days ago (they are the legal division of First Credit) with the standard threats of "We believe you have an interest in the above property. We are looking to secure a CCJ against it" etc etc Bearing in mind that I didnt (and still havent) recieve a CCA from them, can someone advise a draft of a letter I can send to these parasites pointing out of their lack of a CCA for me and hopefully stop them dead in their tracks? ?? Regards, Mustard

Update. For those who were following this thread No news really, havent heard a thing from them for a good few weeks now. As someone said they may of crawled under their rock or are regrouping. Seems that they were all (empty) threats and with no legal weight to back it all up.

Update. 4 months on from my first post on 1st Credit. In yesterdays post I recieved (and I'm not sure why?) copies of all my statements relating to the account from 1st Credit - no covering letter, just a Compliment Slip with their reference number written on? Why have they sent these? I havent asked for them??

Update. 3 months on now, and the DCA havent been in contact since they admitted they couldnt produce a CCA. I assume I will have to now sit here and wait to see what if anything they will do next. Without a CCA, does this make the whole debt enforcable / non existant in the eyes of the law? Many thanks for all you guys and girls help. I genuinely cant thank you enough

Good thinking, I will send them off a letter now I am actually sitting here in disbelief at their response to the lack of a CCA. They said that the fact that I have made payments in the past 'proves' that I am aware that an agreement exists (somewhere) and that the agreement is still valid

Update - The DCA just called me and said that "they cannot find a copy of the CCA " the money I sent them for the CCA will not be refunded and that its just as much my responsabilty to keep a copy This actually becoming a farce. Any thoughts and comments welcome

Despite the threatening attitude of the DCA who told me when I asked them for a copy of my CCA "as soon as you receive your CCA, we want full payment" one month on I still havent recieved it

The 12 working day deadline passed last week, and still no sign of the CCA

So then what happens? Does this whole thing start all over again like pass the parcel with the alleged debt?? What is the normal outcome to these situations, do they have to right it off because they dont have the legal power to do anything?

What? There is someone worse than the current lot?!

Hi all. Well the 12 + 2 time limit has past and no sign of the agreement? What now?!? :?

Suprise Suprise they called me Saturday morning. Conversation went like this 1st C - "hello is that Mr Mustard?" Me - "yes it is" 1st C - "This is 1st Credit, re your Halifax Account" Me - "Im doing everything by post now, you should of recieved my CCA request letter" 1st C - "Yes thats why we are callling" Me - "I assumed you would of recieved it this morning" 1st C - "I would like to discuss that with you" (taken through security questions) Basically they said that once the CCA has been sent I am then liable for the FULL AMOUNT without fail

They will have my CCA letter by now too

Cheeky buggers. Today is the day they said is "my last chance to pay before legal action" I have just had a text message from them asking me to call.

When they ask what is my date of birth / mothers maiden name I'll just say "I cant remember, can you give me a clue?"

Will do. This place is certainly an eye opener! In the meantime, when they call I just say "everything in writing now please" ?