CCA Dates

[Strepsi]

Is there more chance for accounts to be UE the older they are, is there a chance that debts that are only a couple of years old be UE. Also can I CCA a plain old current account is it only really appropriate for CC's and loans?

You will understand by my recent posts that I am new to this.

I will dip into people diaries and perhaps start one myself.

[cymruambyth]

Re: CCA Dates

Hi Strepsi, debts after 2007 are harder to prove as unenforceable as the legislation changed in April of that year. Each account and agreement has to be reviewed seperately as paperwork and procedures vary quite a bit. The best thing is that when you receive any agreements you send Niddy an unedited version and he will advise you accordingly. If they are enforceable there are various tactics that can be employed re payment or waiting until they become statute barred after 6 years of non payment or acknowledgement. As for bank accounts these require different letter as has been explained in your other thread http://forums.all-about-debt.co.uk/s...-CCA-Overdraft

[Strepsi]

Re: CCA Dates

Hi Strepsi, debts after 2007 are harder to prove as unenforceable as the legislation changed in April of that year. Each account and agreement has to be reviewed seperately as paperwork and procedures vary quite a bit. The best thing is that when you receive any agreements you send Niddy an unedited version and he will advise you accordingly. If they are enforceable there are various tactics that can be employed re payment or waiting until they become statute barred after 6 years of non payment or acknowledgement. As for bank accounts these require different letter as has been explained in your other thread http://forums.all-about-debt.co.uk/s...-CCA-Overdraft

Thanks.

Do you mean prior to 2007.

[Never-In-Doubt]

Re: CCA Dates

No. Debts post 04/2007 cannot utilise s.127(3-6) as these parts of the Act were repealed.

I've explained overdrafts on your other thread.