Unsigned CCA & solicitors letter threatening court action

[googler]

Hi all

I have an ongoing promlem and I need some advice on the next step to take.

I did a CCA request on the original creditor back in June, apart from the fact that they breached the CCA by not sending within the OFT's stated time constraints for which I reported them to TS, they also eventually sent me an unsigned copy of the act (I knew I hadn't signed one). Since then the original creditor has passed me on to a DCA who wrote to me threatening all sorts of action so I wrote to tell em that as the CCA was unsigned, the debt was unrecoverable (at this stage I have to say that I do intend to pay the debt, however my offers of weekly payments have been ignored-they want the whole lot-now). This morning I have received a solicitors letter informing me of notice to commence court action on behalf of their clients the DCA within 7 days.

I have a couple of queries from the Guru's of this board who know so much more than I do:

1. Is the solicitors letter a 'frightener'?

2. Are they, knowing the CCA is unsigned, likely to start court action?

3. Any suggestions on my next step?

 

I am dead scared, the solicitors letter has really shaken me and I fear a knock at the door.

 

Any advice ever so greatly appreciated.

Thanks x

[storm]

Solicitor's letter is nothing more than a frightener, they would not look good in court if you showed you have already recently made them a weekly payment offer.

 

Just pay them what you have offered anyway, they are not allowed to refuse payments, and if they don't like it, tough

[pugsley]

read this for options, unsigned unenforceable in the courts and possibility of getting your money back from them and any default removed, if you have admitted the debt may be a problem, but you can say you have little recollection and have been intimidated into paying it I suppose,

http://www.consumeractiongroup.co.uk/forum/other-institutions/10900-loan-company-cannot-supply.html

[davefirewalker]

An unsigned aggreement is not an aggreement......

I would fight it (but thats just me )

 

If its unsigned how can they prove it

you could probably get any money paid back as well

 

Dave