hotboy
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Will do thanks
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I have now received a letter still no disclosure of what I owe and how but a current circumstances expenditure form. Shall I ignore?
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Oh I misunderstood as you said bring that they done that to me` I thought they knocked on your door lol
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I was ment to ask how long ago was it that they knocked on your door and what has happend since?
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How long ago did they do to you
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wow guys thanks for discussing what options i may have, however i am really worried now, yesterday an old Asian man knocked on my door with an a4 clip board he asked for me when i looked down it seemed like he had loads of sheets attached to his clip board with the heading IND vs etc, i panicked so said that i was not in he asked if i knew where i was i said i think his at the old address he said do you have a contact number i said no, he then left. worried now any advise or was they just trying to confirm i live here.,,,,,,,,
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You say looks legal, or will it be a legal document from court.
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I've read scary storys that the dca can attach to you earnings or put a charge against you, if that was to happend would they inform me before hand and would it be in a formal letter.
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Thanks sidewinder I have attached a page I obtain from the net with regards to CCA request afree a CCJ. Also what legal action could be taken should I expect bailiffs? I wanted to go down the route of Un enforceable CCA as I did not date it and the docs they sent looks like an application for a credit card. I did not know aboutthe court CCJ as it went to a different address when I checked my CRF a year or so down the line it was to late to contest.
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i have put all file into one PDF now in post 1 i have also found a PDF from a firm online that says they need to respond to CCA Request Evn after a CCJ DX the CCJ was address to a 643a (a) never existed and was in my name but date of birth was 28th Sep instead of 20th, when i found out i could not contest as over a year had passed i found this on the net it attached to my pdf A creditor will still have a duty to comply with an information request under ss77 -79 of the consumer credit Act 1974 (CCA) once a judgment has been obtained. I forgot to mention that i called the DCA as i found their search on my credit report i wanted to no why it said search debt collection, i agree i wish i never called.
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Dear all can someone please help with a problem i am having with IND. just recently oct 17 i had a CCJ drop off my credit report ( the CCJ was sent to 643a instead of 643 and as a result i never received the CCJ, fast forward 6 years i have had no communication or contact from ind etc, last month when they searched my credit report, i rang them to ask why they were searching my report, they asked me for my DOB and i told them they said they could not discuss anything with me as my date of birth did not match their record, a week later i received a letter and a so called copy of a credit agreement (see below images), i decided to look around on the net and sent them a prove it letter and request for a CCA with £1 for the requested information. they sent the postal order back and said that i should prove whom i am and make a SAR request. as they do not need to send a CCA due to the CCJ. the address 643 is my parents address i have moved out since 2002 to a new address and been on the electoral register etc. can someone advise what steps i should take next, i was thinking of waiting for the 12+2 days to expire and send them a you did not comply to cca request letter is that correct. thank you in advance below is all received and sent letters hotbot.pdf