Failure to provide CCA and implications..?

[oblong21]

I currently have two outstanding accounts, both with one DCA, they have just exceeded the CCA request on one account and have sent failure to provide letter the other day, the debt is over six years old and doesnt show on my credit report so not overly worried.

 

However, i know there is a lot of charges on this account, circa 1k, if i wanted to recover this, is it feasible still having got this stage and do i tackle the DCA or the orignal lender? Would doing so possibly provide either with significant reason to dig deeper to find my cca though, has this happened to anyone?

 

Also, for the second account,the debt is four years old and was defaulted by the dca last year, if they fail to provide cca on this i understand they can take no further action but would the account on my file have to be amended to settled or would it still appear as in default?

 

Apologies if i should have maybe split into two sep threads but as all generic procedural questions related to one matter thought would save time and thankyou everyone on here for support thus far!

[dx100uk]

if the 1st a/c is over 6yrs old , then its statute barred, forget them.

as for the charges, hit the OC, & don't forget the interest.

 

on the 2nd , whoever puts markers on your file, must have a valid cca at that time, if they didn't, then the markers must be removed.

 

as for the remaining status of the a/c , that is determined by the last valid marker

 

dx