Is this the "Way" to do business

[c01in]

Robinson Way

 

Hello,

I recieved a letter Headed Notice of legal Proceedings ( under this heading it said this is not a court document) from someone I hadn't heard from before.They claimed to now be agents for the collection of an old co-operative bank credit card bill.

 

I was curious so I sent them a letter asking for a copy of the origanal agreement and a breakdown of the charges that had been added to it.I gave them 21 working days to comply and included a £1 postal order to cover the cost as per the CCA stipulation.

 

They ignored my request and deducted the £1 off the outstanding balance..with a stern warning that at this late stage they could not accept anything as small as this amount.There was no mention of why they had not sent me a copy of the original agreement. My request to them had been sent by recorded delivery on the 21st February 2007 to date as I write this, 14th march 2007, they have yet to take any action.

 

My question is.Did I do wrong by asking them for what I did ?

what would be my next step.?

The amount involved is £789. It may have origanated over 5yrs ago,

 

I am vague because unfortunately for a number of years I was recovering from a Nervous breakdown...the breakdown was bad enough to cause me to attempt suicide ...so to say the least my mind was not focused on daily matters. I am sorry if this note has gone into irrelavant areas It's my first post.

[davefirewalker]

I would say that you did the right thing, but........A CCA request has to be 12 working days from receipt for them to supply. if they havent supplied the paperwork in that time they can't collect on the debt until they do.

 

If they havent supplied one month after that then they have committed an offence and can be reported to the statutory authorities.

 

The debt does not go away they just cant enforce it. I would write them a letter explaining that they have not complied with your request and you will be reporting them if they don't.

 

this will probably have the effect of them telling you they have passed the debt back to whoever they got it from.

 

if you have not acknowleged the debt or paid on it for five years and it is not a ccj then very shortly it will be statute barred (6 years)

 

good luck

 

Dave

[pmhcfc]

Robinson Way

 

 

Hello,

I recieved a letter Headed Notice of legal Proceedings ( under this heading it said this is not a court document) from someone I hadn't heard from before.They claimed to now be agents for the collection of an old co-operative bank credit card bill.

 

I was curious so I sent them a letter asking for a copy of the origanal agreement and a breakdown of the charges that had been added to it.I gave them 21 working days to comply and included a £1 postal order to cover the cost as per the CCA stipulation.

 

They ignored my request and deducted the £1 off the outstanding balance..with a stern warning that at this late stage they could not accept anything as small as this amount.There was no mention of why they had not sent me a copy of the original agreement. My request to them had been sent by recorded delivery on the 21st February 2007 to date as I write this, 14th march 2007, they have yet to take any action.

 

My question is.Did I do wrong by asking them for what I did ?

what would be my next step.?

The amount involved is £789. It may have origanated over 5yrs ago,

 

I am vague because unfortunately for a number of years I was recovering from a Nervous breakdown...the breakdown was bad enough to cause me to attempt suicide ...so to say the least my mind was not focused on daily matters. I am sorry if this note has gone into irrelavant areas It's my first post.

 

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