HFC CCA request

[webinteractions]

Hi,

 

I wrote to HFC on the 16th November requesting the CCA. They replied with "cannot send out the CCA without a signature" which i replied with roughly the same letter pointing out that by law a signature is not required but here is my signature and used a digitalsignature like the digital signature onthe consumer action group website.Although i did just use a font as my signature and not my actual signature scanned in-imvery paranoid when it comes to this company. Why isn't this sufficient? It is highly frustrating.

 

How can i get my CCA?

[firstship]

Hi...go into the site library then into debt collection library letter No 4 "refused CCA due to no signature,at the same time send them Account in Dispute letter......FS

[webinteractions]

Thanks for your advice! I will send letter no 4.

 

Will it affect my credit rating by putting the account into dispute? I currently have a good rating and dont want it affected unless i have a good chance of winning.

[Gixxer UK]

Hi webinteracitions,

 

It doesn't affect your credit rating by putting an account in dispute, it just stops or should stop further collection action until fully investigated etc...someone will be along to help out as they did me...Good Luck!

[firstship]

HFC are required to respond to your CCA request,if they want to play silly sods and not reply because of the lack of a signature so be it........I assume you are paying HFC each month and as such if the amount is that which was agreed at the outset,it should not have any affect to your credit rating..................did HFC send your £1 back............FS

[webinteractions]

Ok great! thanks for your help. One last question, will they ask for back payment when/if the account has been resolved i.e. when the account is not in dispute?

 

Thanks again,

[firstship]

If you intend not to pay them or you are not paying HFC at the present time,should they produce a signed agreement or a reconstituted agreement the full debt will still remain,should they be unable to produce an agreement,the full debt still remains although you do not have to pay them,just be careful and give this plenty of thought as your credit rating is OK at present..........FS

[PriorityOne]

What are you hoping to get out of this? If you've requested yor CCA in the hope that it's unenforceable and then stop paying if/when they can't produce it, then your credit rating will eventually be shot because they'll default you. They're not supposed to enter a default without the proper docs. but it happens and the battle to get it removed is not an easy one.

[webinteractions]

PriorityOne- that is exactly what i was going to do! To check to see if its unenforceable.I didnt realise that they would default me if they couldnt produce the documents. They cold called me on a day i was desperate a couple of years ago and took out £5000 and now having to pay back about £9500. How could i be so stupid!!!They claim it was 30ish percent interest. Not sure how that works out..i really need to get my hands on this contract!

[PriorityOne]

They will only default you if you don't keep up repayments under the Agreement. See what they send back to you and we'll try and advise you from there...

 

[webinteractions]

Thanks for you support! I will send the letter tomorrow (3rd one!!) and i will be in touch..hopefully with my CCA. I will continue paying in the mean time.

 

Thank you..

[PriorityOne]

You're welcome....