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Refunds CCA


firstship
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Has anybody managed to have payments refunded where for example a credit card company cannot produce a signed agreement but you have been paying the debt back by a small amount each month for a considerable time???

 

Logic probably. wrong,  any thoughts

 

FS

 

 

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No of course not 

Payments are considered a gift 

 

Sorry but you've been here years and years and were told long long ago to CCA people. For whatever reason it never happened 

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Dx something I should have carried out a number of years ago, and carried through, my own fault.

 

I have now CCAd  again the 5 companies involved and stopped all payments, to date 2 have written and confirmed the account is unenforceable.

 

2 have referred back to Arrow and awaiting reply which is way over the 12 working days,

 

Same with Natwest

 

Thanks for your help

 

regards

FS

 

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