Rockwell DCA CCA request and recieved

[midastouch]

Re: Rockwell DCA CCA request and recieved

When the nasty old hag phones say, "Hang on a minute, I'll just get my paperwork" - then leave the phone on the side and she can continue the conversation with herself.

[Treepiary]

Re: Rockwell DCA CCA request and recieved

Have started to collect all letters sent to me, but am unsure how i should file them, my usual filing method was a rubbish bin, i now know this was stupid.

today is the 27th, have not received a call yet, normally they phone around 08:30am / 11:30am /14:30pm. i am expecting the nasty old hag to call and give the usual threats and you owe this debt pay it !!

have set aside moneys to gain my experian credit details. and ready to hit them with the litigation letter.should i also send a second CCA request and get the account placed into dispute again. it took them over 4 months to send the first CCA.

maybe a second request will take as long, and i can then hit them with failure to supply to the CCA act 1974 ?

have started a dairy and will keep it upto date as much as i can

[Treepiary]

Re: Rockwell DCA CCA request and recieved

Hi Treepiary,

Firstly a huge welcome to AAD. You have undoubtedly come to the right place for help.

Oh how I can empathise with your situation. I threw away letters at one stage as I simply couldn't face opening them. Not surprisingly because of this I, like you, lost track of what was originally owed to whom.

It is actually fairly simply sorted. Get your Credit Reference Files. Start with the ones you can get a free 30 day trial for on the internet (it's either Equifax or Experian) but don't forget to cancel your subscription. This one may tell you everything you need to know to track things back. If not it will be recorded with one of the others.

Once you know who the original creditor was it will be much easier to try to help you find a way forward.

As for what you've been told re burden of proof, borrowing money to pay things off etc.... totally ignore the comments. The DCA's do this intentionally to provoke the reaction they have in you. Don't give them the satisfaction. Debt is not a crime! DCA's very very rarely have any power to do anything!

So don't worry, take a bit of time to get yourself together and get your head round what I've said here, then get that credit report and start finding who you really owe the money to.

Oh yes, and by the way....... well done for facing up to things. Believe me, I know how hard this can be, so a sincere, heartfelt well done you!

do not get paid until mid week, so shall get my £2 sent to them for paper version.

i am also going to Hit DLC with another CCA request, also send a telephone harassment letter.
plus also state they have already failed to provide me with a CCA request so debt is in dispute and they should not be contacting me asking for payments.

is this correct ?

[Treepiary]

Re: Rockwell DCA CCA request and recieved

Pictures sent to you niddy.

hope they are ok, as noted in mail no terms and conditions supplied or covering letter. have had no default letter sent from Lloyds finance, or letter saying it had been sold on.

also states the client is : tessera who is infact rockwell and is part of the tessera group. so looks like the debt was sold onto rockwell ?

[Treepiary]

Re: Rockwell DCA CCA request and recieved

if you can email me the picture of the CCA, the covering letter and the terms - that'd be great... agreements@all-about-debt.co.uk

Niddy

no covering letter

no terms and conditions

only have a statement from lloyds and rockwell and the CCA.

shall get the pictures up and sent to you ASAP

[Never-In-Doubt]

Re: Rockwell DCA CCA request and recieved

would it be better if i upload a picture of the CCA ( sorry no scanner) to show that it is none countersigned and not counterdated and/or no first payment date.

if you can email me the picture of the CCA, the covering letter and the terms - that'd be great... agreements@all-about-debt.co.uk

Niddy

[Treepiary]

Re: Rockwell DCA CCA request and recieved

Easiest thing you can do here is stop paying rockwell, chances are its unenforceable anyway - and send this - see how they like a legal threat of their own: Threat by Creditor - To Commence Litigation

So send that and see what they come back with, i'll sort this for you if they start getting clever, so stop stressing now ok?

You need to list all your debts though for the best chance of help, you can see this from Experian/Equifax credit reports...

would it be better if i upload a picture of the CCA ( sorry no scanner) to show that it is none countersigned and not counterdated and/or no first payment date.

[IF]

Re: Rockwell DCA CCA request and recieved

Hi Treepiary, Niddy's post will help too, I find the paper copies have so much more information on them:-

----------> allaboutFORUMS - View Single Post - All About Credit Reference Agencies CIFAS


Best wishes
If...x

[caspar]

Re: Rockwell DCA CCA request and recieved

Hi Treepiary,

Firstly a huge welcome to AAD. You have undoubtedly come to the right place for help.

Oh how I can empathise with your situation. I threw away letters at one stage as I simply couldn't face opening them. Not surprisingly because of this I, like you, lost track of what was originally owed to whom.

It is actually fairly simply sorted. Get your Credit Reference Files. Start with the ones you can get a free 30 day trial for on the internet (it's either Equifax or Experian) but don't forget to cancel your subscription. This one may tell you everything you need to know to track things back. If not it will be recorded with one of the others.

Once you know who the original creditor was it will be much easier to try to help you find a way forward.

As for what you've been told re burden of proof, borrowing money to pay things off etc.... totally ignore the comments. The DCA's do this intentionally to provoke the reaction they have in you. Don't give them the satisfaction. Debt is not a crime! DCA's very very rarely have any power to do anything!

So don't worry, take a bit of time to get yourself together and get your head round what I've said here, then get that credit report and start finding who you really owe the money to.

Oh yes, and by the way....... well done for facing up to things. Believe me, I know how hard this can be, so a sincere, heartfelt well done you!

[Never-In-Doubt]

Re: Rockwell DCA CCA request and recieved

Easiest thing you can do here is stop paying rockwell, chances are its unenforceable anyway - and send this - see how they like a legal threat of their own: Threat by Creditor - To Commence Litigation

So send that and see what they come back with, i'll sort this for you if they start getting clever, so stop stressing now ok?

You need to list all your debts though for the best chance of help, you can see this from Experian/Equifax credit reports...

[Treepiary]

Re: Rockwell DCA CCA request and recieved

Can you have a read here--> allaboutFORUMS - View Single Post - Unenforceability Diaries - Read me First!

Then supply the information requested, one post for each debt, thanks.

i can do the Rockwell one but the others i have no CCA's - no statements nothing, when i left home everything was thrown out. just have threatening letters and calls



Type of account : Cash loan

Date commenced : opening balance 28/02/2005 ( lloyds finance statement)

Approx balance : was £5,628.26 on 28/2/05 now £5,273.26

Date last paid : 7/2/11 paid £20 last entry on the DCA statement. i have paid in more since but cannot remeber when , i send postal orders as payment

Are you on arrangement or not paying : unsure they have stopped accepting my £20 payment

Status : default ? sold on to a DCA

Account owner: Rockwell collection agency AKA Tessera portfolio management LTD

[Susie]

Re: Rockwell DCA CCA request and recieved

Did not want to read and run
Most of us have been where you are now and are still here, difference is we are fighting back and yes there are things you can do. Just wait for Niddy to guide you and things will be a lot better.

[Deepie]

Re: Rockwell DCA CCA request and recieved

http://forums.all-about-debt.co.uk/f...splay.php?f=97
Have a read of this put your mind at rest

[swanfan]

Re: Rockwell DCA CCA request and recieved

Can you have a read here--> allaboutFORUMS - View Single Post - Unenforceability Diaries - Read me First!

Then supply the information requested, one post for each debt, thanks.

[Never-In-Doubt]

Re: Rockwell DCA CCA request and recieved

Hey calm down. Stop this nonsense.

It's credit. Nobody is going to touch you ok? You're here now, we'll help you sort this. Please await one of the mods who'll post some info we need (I'm mobile so can't right now) and I'll pop in later and have a mooch.

Just calm down and no more talk of homeless ok?