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CCA request help please......I sent a cca request to Fredrickson re a debt they are supposedly chasing. Received a reply outside the 30 day period from JD Williams for an old debt with them which is made up of their charges etc. The original debt itself has been paid the rest is charges. This is going back to 2003.
This is JD Williams response to CCA request which they have now told me I need to contact Fredrickson regarding future payments.
"Please find enclosed a reconstituted "True Copy" of your credit agreement, along with the current terms and conditions applicable to your account, to which you have agreed. (No signatures!)
We have also enclosed an itemised breakdown of the account dating back to March 2005
When responding to a section 78 request, a lender does not have to provide a photocopy or other literal copy of the executed agreement nor provide a copy bearing or some other proof of the customer's actual signature.
In response to your futher comments we would advise that there is no legal requirement to provide you with a copy of the deed of assignment, notice from the assignee, JD Williams, is sufficient under the Law of Property Act 1925 to require you to pay the assignee. This would not carry your signature, as depts are freely assignable without this."
Advice please as to where i go with this now as i am totally confused as to my next step in view of above. Fredrickson are constantly ringing my phone which i have now taken to ignoring. This did stop when i sent in cca request but has just recently restarted again.
CCA request help please......I sent a cca request to Fredrickson re a debt they are supposedly chasing. Received a reply outside the 30 day period from JD Williams for an old debt with them which is made up of their charges etc. The original debt itself has been paid the rest is charges. This is going back to 2003.
This is JD Williams response to CCA request which they have now told me I need to contact Fredrickson regarding future payments.
"Please find enclosed a reconstituted "True Copy" of your credit agreement, along with the current terms and conditions applicable to your account, to which you have agreed. (No signatures!)
We have also enclosed an itemised breakdown of the account dating back to March 2005
When responding to a section 78 request, a lender does not have to provide a photocopy or other literal copy of the executed agreement nor provide a copy bearing or some other proof of the customer's actual signature.
In response to your futher comments we would advise that there is no legal requirement to provide you with a copy of the deed of assignment, notice from the assignee, JD Williams, is sufficient under the Law of Property Act 1925 to require you to pay the assignee. This would not carry your signature, as depts are freely assignable without this."
Advice please as to where i go with this now as i am totally confused as to my next step in view of above. Fredrickson are constantly ringing my phone which i have now taken to ignoring. This did stop when i sent in cca request but has just recently restarted again.
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