DCa and MBNA CCA return - 2 CCA's - which one is right?

[Bluesky90]

Hi, just wondering if anyone can help? 

I requested the CCA for a credit card debt from the debt collection agency, which they provided (although it's a very poor copy with really tiny writing), along with a generic list of terms and conditions. They also sent some other documents which suggested the account was opened earlier than the date on the CCA. 

 

The account is quite old and I couldn't remember when I opened it so I put in a SAR with the original creditors. However, they have provided 2 CCA's, one that's the same as the one from the DCA and another, different CCA signed and dated a few months before that one. This is an even poorer copy than the other one and has some of it cut off, including nearly all of my name and address (both CCA's attached).

 

I'm just wondering if the later CCA from the DCA is valid? If not, I understand that they could probably easily request a copy of the earlier agreement from the original creditors, but as it's such a poor copy and doesn't show my name and address does that mean it's unlikely to be enforceable anyway?

 

[dx100uk]

forget the one in the sar...thats your secret...

 

can you redact thing properly please

you've left pers details showing everywhere.

had to delete them all

 

dx

[Bluesky90]

Hi, thanks, apologies I thought I uploaded the redacted ones.

 

CCA.pdf

[dx100uk]

bogroll and woefully short of what a cca return should contain

 

who's the DCA and when did you last pay on the MBNA card and what is the defaulted date from your credit file?

 

and why did you send the CCA request to...??

 

 

 

 

[Bluesky90]

Thanks, it was sold to Aktiv Kapital but PRA are dealing with it. Last paid to MBNA in 2013 and then paying PRA ever since. 

 

Defaulted in 2013 so now off my credit report.

 

I requested the CCA as wanted to do a full and final, as it's an old account I thought there was a good chance they might not have it.

[dx100uk]

shame you've been blindly paying a powerless dca since 2013 running the Statute barred debt to infinity.

who ever told you to do that?

 

a DCA is NOT A BAILIFF

and has

ZERO legal powers on any debt no matter what it's type.

 

PRA are simple the new name for AK.

 

 

 

[Bluesky90]

I didn't think statute barred would apply as I was making continuous payments to MBNA and then PRA. I've continued paying as I thought they could issue me with a CCJ if I stop. 

 

What would you suggest I do next?

[dx100uk]

did i say that?

 

read my post again..

 

dx