Tell me about it only coz I fink they dont have the original CCA!

Been busy and waiting patiently for the cca's requested ages ago. Only a few companies have responded back, still trying to make out wheter the agreement is enforceable! Does anyone know which letter I should sent to those dca's that have completed ignored my request for cca's? I mean they have broken law ( I think )the time limit of 14days in which they had to respond.

I'm currently with payplan and they haven't charged me a penny for their service if that helps.

Hi everyone, I'm back been busy chasing my d.c.a's..ONLY 3 company got back to me and the other 10 have completely ignored my request!!! ARGH!

Yipeee, Managed to upload it using photobucket, I hope this is big enuf guys Take a look and tell me something Good..lol http://i401.photobucket.com/albums/pp94/ontor1/cca1001.jpg

Hey Jesteruk & Davey77, Thanks zillions for the advice and the template, i'm working on it now..and as for uploading the c.c.a im fiddling around with it shouldnt b too long..

Hi everyone, Firstly, I got replies back from 5 companies, ALL 4 d.c.a state that they do not believe they fall within the definition of a creditor contained within section 189 of the consumer credit act 1974, this is because the Act defines a creditor as the person providing credit under a c.c.a or the person to whom his rights and duties the agreement have passed by assignment or operation of law. So, in their case, they purchased the right to recover the outstanding balance due under the agreement, they did not purchase the duties under the agreement and these were retained by the original creditor who sold the debt to them, However, as a matter of good practice, they have sought to obtain a copy of the original agreement from the o.c. They have also written that IF the o.c is unable to provide a copy of the agreement it does not mean that they have no right to continue to request payment of the outstanding balance! Secondly, I sent them all a postal order for £1 (statutory fee) but they returned them saying that Cabot financial does not accept the statutory fee required under section 77 and/or 78 of the Consumer Credit Act 1974 blah...I hope this isnt a bad thing.. Thirdly, on a more lighter note one d.c.a wrote back saying that they are unable to provide the information that I have requested and in light of the information contained in my letter, they can confirm that the account has been closed!! Shall I write one back to get them to remove the default applied on my account?? Lastly, I got back 1 c.c.a It's a very old Agreement and this is the best I could do whilst uploading it,,please check for compliance Thanks Loads x

thanks Rooster.....sorry new 2 this..

Hi Flyindoc, Just to let you and everyone know I have sent 13 CCA requests to all 13 of my DCA'S, and 1 bank refund request today, fingers crossed pls 4 good news and let's wait and see what happens next... I shall keep all informed. Thanks Again

Hi there Jesteruk,many thanks for the advice, Just to let everyone know I have sent off 13 letters to 13 of my debt collection agencies and 1 bank charge refund request to my bank today. Let's have fingers crossed so see what happens next.. I'll keep you guys posted..x

FLYINDOC, excellent I shall do that first thing tomorrow, shall I send the c.c.a requests to the O.C or the .d.c.a dealing with the debt? And shall I notify payplan that I requesting this information? Thanks ps- where do I find 'your scales' to click??

Firstly I would like to say hello to everyone on C.A.G.. I randomly found this website whilst searching for help with my debt! I don't know if this is the right place to post my thread as im new here but I have seen a lot of great stuff here, people here are like a family and so great in sharing..this is where I need help for my problems..sniff sniff :-| At the age of 18 I went totally bonkers with credit, I wouldnt miss a single chance of taking a credit/store card out anything and I wanted it...so after I had to quit work to look after my dad and couldn't pay up..today I am facing the consequences I really need help, I have paid £££ to many so-called 'credit repair' companies to clean up my C.R..all with no luck. I am currently paying payplan (debt company) on a regular montly basis so they can distribute money to all my creditors. I have in total 13 companies,,9 defaults and 4 CCJ'S shining on my account. Most of my debt is made up of charges/interests etc.. A couple of companies I have managed to pay a 'full and final settlement' but they still appear on my C.Report as settled. I passed all these creditors onto payplan to deal with and they took it from there, what ever payplan told me to do I did, and they are doing a good job. I didnt understand the C.C.A OR S.A.R or anything of the sort so I just left it to payplan basically applying for warrant of executions etc.. 5years later I find this site, I feel like a fool just sitting around not doing anything about my credit file (xcept paying useless companies to clean it up!!) Where do I go from here? I want to get these defaults off my credit report from companies such as john lewis,GE CAPITAL,AKTIV,barclaycard ,etc.. as well as get refunded for the charges they applied back then. To be quite honest I don't mind if I can't get the refund but I need help clearing up my file its horrendous and I hate knowing no one will ever give me credit again rightly so..but I have matured and understand how important it is to maintain a clean file. What letters do I send? Where can I find them? Who do I send them to? most of the debt has been sold to d.c.a from o.c's!! pleeeeaasseee Help me anything considered xcpt suicide !!! Lastly, If this thread gets moved to another section, how will I find it? silly question but I find it a wad little difficult to locate..I no this is awfully long but trust me if I was to write down all my debt from the last 5years I would need a seperate site..lol sorry :-|

hi flyindoc..no im not on an IVA my debts don't exceed over £22k Thank God!

Thanks pinkduchess i'll see if I can move this thread..I already feel @home.