hi thanks for your comment but the CCA 1974 say very clearly that the creditor must provide " all information refer in it" including account statements and they have not been received, also the agreement is just an appilcation form with somebody's name typed crossed out and then with a name handwritten by somebody and the signature is not the same as mine but similar. have they defaulted??? vidrio

any more comments please !!!

Hi I most appreciate the help from those that know about practices of a hated DCA well known here that has got a long fan club..... questions?? 1) over 2 years ago I requested a cca to a dca collector and then defaulted and closed account. It is an alleged credit card with a bank 2) After passing to many dca's, they finally got this hated dca who every body know and alleged to own the debt but not NOTICE OF ASSIGMENT HAS BEEN received. 3)Bearing in mind that the account has been in dispute since over 2 years ago and original creditor has also defaulted, this hated DCA send a letter that they will issue court papers even though no cca has been received from the oroginal cerditorcand bought an account already disputed. will that make any difference??? 3)A cca request was sent to this last hated dca then over a month ago and they defaulted but now out of nowhere they have sent some documents they alleged are the agreement. What they enclosed are: a) a non-enforceable agreement that say credit agreement but not credit card agreement. I has not account number on the agreement to be identified, above the address typed , the typed name is spelled wrong, it is crossed out and has got my name hand written on it by somebody. It has got a signature on it similar to mine but not the same as it has been traced and it is a long time since it was done. the date next to the signature is hand written but changed from the originally year date written down to the sameone matching the date of the creditor stamp why?? It is stamped by the original creditor and dated b)it has not pre-scribed terms and conditions next to the signature form but they sent a separate document papers saying these are the terms and conditions without any reference to the agreement in fact the so called agreement has not link page reference to those terms and conditions papers. c)No a single statement for this account has been received with these agreement and I am right that when a cca is done to a creditor those statements must be provided , is it not? d) Also no default notice e)Also not notice of assignment ever received have they got a case ??? f) Also it has the PPI ticked but it would be a mis sale because at that time I was not in permanent employment, just freelancing for fixed terrms for less than 6 months and it would be impossible to claim protection insurance those member to the hated dca fan club pinky, rhia, scabhunter please help !!! vidrio