wescot chasing HBOS debt- sent CCA now CAS offering huge discount? now 1st credit too!!

[delta1956]

I find it difficult searching and finding threads on here.will do and get back asap.Thanks.

[delta1956]

I have been dealing with DCA and now they are talking about deed of assignment. This paragraph was included in a letter which I received from them informing me my request for a copy of the agreement is now being referred back to the original credit card client BoS. They are arranging a document to be sent to me and then I am advised to contact the dca. Firstly I never asked for a CCA and have only informed that this debt was returned by another DCA as the relevant form was not supplied.

This all getting confusing and trying to write about makes it even more so.

Brigadier gave me some advice and I cant contact him any more. He was extremely helpful.

Thanks Delta1956

[maroondevo52]

Brigadier gave me some advice and I cant contact him any more. He was extremely helpful.

 

Not sure why you can't contact him anymore, I'll see if I can get him to have a look.

 

He's off-line at the moment but I've sent him a PM with a 'link' to this thread.

[BRIGADIER2JCS]

Hi Delta I'm still around, just been more than a little busy,

how can I help?

[BRIGADIER2JCS]

Hi delta give me a little more info

to work on, who's the DCA in contact know,

and which one returned the account the 1st time??

[Fred Bassett]

Hi, is this a BoS credit card or is it one of the infamous 'Preference' cards?

[delta1956]

Hi Brig Glad your back. I really did appreiciate your advice.

I wanted to update you.

It was a BoS credit card. Ist Credit are the second DCA. The first was Westcot who I originally asked for CCA. Then never heard anything for at least a couple of years if not more and then Ist credit have been hounding me letter and telephone calls from about june this year.( I Posted a letter off to them this week informing them of their behaviour and asked to stop these phone calls etc which you advised me to do).

I finally got this letter stating they were now advising BoS requesting the CCA to be sent to me asap. With additional info about Deed of assignment, I would incur a fee of £10.00.00p. I have now looked up what that entails and I will not be doing that and

I then have to contact 1st Credit when I get this information back from BoS. Look forward to hearing from you Kind regards Delta

[BRIGADIER2JCS]

Hello delta, I've been a bit busy, daughters wedding mid August,

one granddaughter seriously ill with meningitis, another granddaughter

has just provided us with our 1st Grandson this week.

OK the £10.00 fee is for a subject access request made under

the provisions of the Data Protection Act the creditor Must provide

ALL the data held on the account within 40 days, the CCA request

has a time limit of 12 + 2 days if you don't receive it my day 15 then

send the account in dispute from the CAG library.

Also are 1st Credit assigned to collect the debt only or have they

actually bought it, it would be a good idea to check your credit files,

unless you have a notice of assignment from BOS telling you that

1st Credit are now the owner of the debt or have been assigned on

behalf of BOS, they cannot do anything until such a notice is supplied.

Post again if I can help more.

 

Brig.

[delta1956]

Hi Brig

I hope all goes well with the family.Congrats to for the new arrival.

Thanks again for the info.

I will find out as much as I can will keep you posted. I feel really comforted to know I have someone in my corner.

Best regards Delta

[BRIGADIER2JCS]

Thanks for your kind thoughts, Tommy Jack a handsome little chap

an is flourishing.

Please keep me up to date delta

 

Regards Brig.

[delta1956]

Hello Brig

Just received a couple of letters from 1st Cred. Re my complaint about excess harassment by mobile telephone and land line. Its a final response letter. Also first credit purchased this debt in July2011 and are the legal owners. They have put my account on hold to investigate and to get additional information from BoS. I did have a call blocker on my mobile and had stacks of calls from them but sadly I sync it with my computer and all was erased. Do I still need to get a copy letter from the site CAG 12+2 as they faailed to supply the CCA again. Or should I just wait to hear from them after their investigations. They also supplied relevant information about complaints and booklet to the ombudsman. Kind regards Delta

[BRIGADIER2JCS]

Hi Delta, I would send the ''Account in Dispute'' letter from

the CAG library, although could it be that it is the agreement that

they asking BoS for??

 

Brig.

[delta1956]

Hi Brig

I checked the wording on in the dispute letter. First paragraph is relating to me asking them for a cca. Should I delete this part as I didnt request this info. Only I said I did not acknowledge this debt.

Kind regards

Delta

[BRIGADIER2JCS]

Hi Delta, unless I've misunderstood they

have failed to supply the CCA within 12+2 days

that is what puts the account in dispute.

So you would leave that bit in.

 

Brig.

[delta1956]

Hello Brig

Your right no CCA supplied. I will Now send this letter in dispute.

Thanks again Delta xx

[BRIGADIER2JCS]

Your welcome D

Brig.