Couple of Q's about CCA letters

[nickmcmechan]

Have sent 2 CCA letters recently

 

1. to Direct Line on 1st January, by my reckoning they are now in Default? Should they still be contacting me?
   
2. to Lowell a week ago, but forgot to put the £1 in, when does the 12 days start, from when they get the £1 or the original letter?

Should I send DL a letter to tell them they are now in default?

[Hopeful1]

I have blatantly lifted a post by Curlyben which answers the CCA questions - saves me typing

 

It is best to send this request via recorded/special delivery as there are some important deadlines to observe.

 

After 12 WORKING days the "debt" is in default and stays that way until the request is complied with.

If a FURTHER month passes then the DCA has committed a summary criminal offence and the matter should be referred to Trading Standards for action once the DCA continues to demand payment.

 

Now what the DCA should supply is a copy of the original agreement.

This is important as if it doesn't comply with the CCA 1974 act it will be unenforceable and therefore non-collectable.

This doesn't void or cancel the debt, but renders it legally stalemate.

 

There is no need to do anything until the 12+2 and the further 30 days are up.

[nickmcmechan]

thanks!