This from my CCA request to Cahoot. It is for a Flexible loan I would appreciate your views TIP - If you have a lot of creditors and are going to send CCA requests to them all at the same time, make sure you have the time to deal with all the paperwork and invest in a good filing system! At this rate I will need a secretary.

Paul, You have come up trumps again, I would add more reps, but the system won't let me. Regards

Many thanks Paul, You are always so quick to help, I owe you a beer mate.

Here you go - Mercers_frontpage.pdf Mercers_backpage.pdf

Still no CCA, And today ................................................(fanfare) A default notice from Mercers How nice. I'm going to knock up a letter to send but I would also like to add a paragraph about their threats to register details of my account with a credit reference agency. Because as they have no agreement, they do not have my consent to process my information. Can any of you peeps point me in the right direction of a template letter?

Here you go Cahoot_page1.pdf Cahoot_page2.pdf

HAK I know this thread is old, but did you ever get round to CCA Cahoot? I have a flexi loan and the Credit agreement seems unenforceable

Ive just sent them a letter as part of my DMP offering them a pro rata payment could that land me in trouble?

Thanks guys

Oh and the date thing is not an issue then?

Curlyben & Paul, Thats cheered me up a lot, because I am trying to arrange my own DMP and Mint are been swines. Can any of you point me to a good template letter Regards

Sorry for the delay, here it is So is it definate that they could get away with putting the prescribed terms on the back? CCF26112007_00001.pdf

Mike, Im lucky in that respect as my wife has a perfect credit rating so I always lease vehicles in her name.

TVM Just like you have been on other threads!

TVM, "DCA employees probably wonder how debt avoiders sleep at night." A lot of people who suffer financial difficulties through no fault of their own visit this site for help and support from caring, generous people. [edit] Mod Note: Please refrain from making personal attacks

And on the very same day that I get a letter from Barclays virtually admitting that they have no credit agreement I get an answerphone message from Mercers!

6 weeks have now passed since they cashed my £1 cheque. I received this letter this morning - "Thank you for your patience whilst our investigations continue. As we investigate your concerns you will be kept fully advised of developments and we will contact you again by 20th December 2007" Should I just hang fire?

Shame about the others!

Bazaar, see my post http://www.consumeractiongroup.co.uk/forum/general-debt/117824-barclaycard-cca-they-want.html That should answer your questions, there is a great letter on there by pt2537

Thanks adam, I was reading up on this last night and you are 100% right.

I see what your saying tiglet, it just doesn't seem right to me. When I sign a credit agreement I give the original creditor permission to search my credit record and to process information with credit reference agency's. Wouldn't It have to state on the agreement that they reserve the rights to pass on my details to DCA's, who could then continue to process information with said agency's. just thinking out loud, maybe someone with more knowledge could answer this, but I will do a bit of my own research.

Surely a DCA is not allowed to search your credit file without your consent! I will look into this

This place has been a godsend for me emptypocketsman. You will soon be addicted

Egg have responded today and they seem quite positive toward my offer. They just want a few more details with regards to my income / expenditure but I think they will go for it. I have been reading up on the banking code as suggested by sequenci, and I can recommend it to anyone else in a similar position to myself.

aktiv is right I have been there, it does get better I promise.