Aktiv response to CCA request

[clayts]

Two Barclaycard accounts. I sent a CCA request on 25 Apr 09 and had this reply (one letter per account) :

 

We write further to the above matter, and your request for documentation/further information regarding your agreement with the above named Crediro under Sections 77 to 79 of the Consumer Credit Act.

 

Although we purchased the right to recover the outstanding balance due under the agreement, as we are not the original creditor we do not hold the original documentation in this matter.

 

In order to obtain this, we will contact the original creditor, as we do wish to provide the information that you require, in accordance with the Consumer Credit Act 1974, in an effort to resolve this matter.

 

Once in receipt of the requested documentation we will provide you with copies

 

As the clock is still ticking, is there any need for me to respond at this stage and just wait for them to default, or should I acknowledge their letters and remind them of the timescale ?

 

Your thoughts would be appreciated

[silverfox1961]

No need to respond as yet. Once the 12+2 are up and the haven't replied they are in default of your request and the account is in dispute. You may (if you wish) withhold payment until they comply. You could also send an A/C in dispute letter.

[clayts]

Thanks for the guidance

 

I'll keep you posted, but I'm not holding my breath on this one

[PGH7447]

standard AK response

[IdaInFife]

We write further to the above matter, and your request for documentation/further information regarding your agreement with the above named Crediro under Sections 77 to 79 of the Consumer Credit Act.

 

We are looking in a book to find out what we nned to do.

 

Although we purchased the right to recover the outstanding balance due under the agreement, as we are not the original creditor we do not hold the original documentation in this matter.

 

We need more time to find the book.

In order to obtain this, we will contact the original creditor, as we do wish to provide the information that you require, in accordance with the Consumer Credit Act 1974, in an effort to resolve this matter.

 

Again we need more time to find the book.

 

 

Once in receipt of the requested documentation we will provide you with copies

 

We hope cause if we don't then we will send you some buff and hope you donlt use CAG.

Ida x

[NailPost]

They may try and wriggle out of their responsibilities by putting the onus on the original creditor but if they have purchased the account they should have made sure the documentation was included in the deal rather than just a name, address and sum owed.

 

If they can't provide the correct documentation, or indeed any at all, tell them to get stuffed.

[clayts]

They may try and wriggle out of their responsibilities by putting the onus on the original creditor but if they have purchased the account they should have made sure the documentation was included in the deal rather than just a name, address and sum owed.

 

If they can't provide the correct documentation, or indeed any at all, tell them to get stuffed.

 

12 + 2 now passed, so default sent to them by recorded today