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  • #1

    Should a CCA be the first thing to do?

    Hi, first post here, found you from another forum!

    Myself and my wife have a number of debts and have just started a dmp with CCCS. First payment has been made this month. I've never really considered UE but if certain of the creditors behave as I expect them to then I'll quite happily face up to them.

    Debts are as below, single or joint debts:

    Barclaycard 1 £12.5k - missed payment letter
    Barclaycard 2 £3k - missed payment letter
    Egg Visa £11k - missed payment letter
    BOS Mastercard £8k - accepted payments for now (need to check! )
    Nationwide Visa £8k - refused dmp
    Halifax Card £6.8k - refused dmp
    Nationwide overdraft £3k - already defaulted me!
    Alliance & Leicester personal loan £2.4k-accepted dmp payments for now
    Clode Retail Finance £0.5k - threatening to default

    I suppose my question would be should I be sending the card creditors a CCA just to see what the lie of the land is, and also if I do go down the route of UE should I be contacting CCCS to stop payments to the parties involved?

    Thanks
    Tags: april, arrears, barclaycard, bos, cca, credit, creditors, data, dca, debt, debts, default, defaulted, dmp, egg, finance, halifax, land, letter, loan, loans, mas, mastercard, nationwide, overdraft, payments, personal, personal loan, personal loans, ppi, reclaim, retail, settlements, stop, unenforceability, users, visa
  • #2
    Re: Should a CCA be the first thing to do?

    Thanks for the welcome Andy.

    I did find this other thread viewtopic.php?f=13&t=232&start=0 which seems to answer a lot of my questions.

    It looks like my first point of call should be my credit report although this is likely to be constantly changing!

    Thanks

    Comment

    • #3
      Re: Should a CCA be the first thing to do?

      Have a read here: ---> viewtopic.php?f=13&t=401

      Also read some users diaries here: ---> viewforum.php?f=49

      and if you want to go for it - let me know and i'll advise accordingly - but if you do want to go ahead, see this post and provide this info: ---> viewtopic.php?f=49&t=9&p=6789#p6789

      Back tonight - cheers
      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

      Comment

      • #4
        Re: Should a CCA be the first thing to do?

        Should have my credit reports soon so will post those up.

        Is the recommendation to ask all my creditors for a copy of the CCA while I'm waiting?

        I don't think the overdraft is anything i an do about, the cards maybe but the 2 personal loans?

        Thanks

        Comment

        • #5
          Re: Should a CCA be the first thing to do?

          Will do.

          By the way, is it worth asking for a CCA from the loan providers? These are 3 and 1 year old respectively.

          Comment

          • #6
            Re: Should a CCA be the first thing to do?

            Originally posted by roomtobreathe
            Barclaycard 1 £12.5k - missed payment letter
            You need to confirm start dates of account, last payment made date and whether it was the full amount or a reduced amount, the status (i.e. default/in arrears/up-to-date) etc - see here for the exact info I need and how to lay it all out - you must do this PRIOR to sending any CCA Requests: ---> viewtopic.php?p=6789#p6789

            Originally posted by roomtobreathe
            Barclaycard 2 £3k - missed payment letter
            You need to confirm start dates of account, last payment made date and whether it was the full amount or a reduced amount, the status (i.e. default/in arrears/up-to-date) etc - see here for the exact info I need and how to lay it all out - you must do this PRIOR to sending any CCA Requests: ---> viewtopic.php?p=6789#p6789

            Originally posted by roomtobreathe
            Egg Visa £11k - missed payment letter
            You need to confirm start dates of account, last payment made date and whether it was the full amount or a reduced amount, the status (i.e. default/in arrears/up-to-date) etc - see here for the exact info I need and how to lay it all out - you must do this PRIOR to sending any CCA Requests: ---> viewtopic.php?p=6789#p6789

            Originally posted by roomtobreathe
            BOS Mastercard £8k - accepted payments for now (need to check! )
            You need to confirm start dates of account, last payment made date and whether it was the full amount or a reduced amount, the status (i.e. default/in arrears/up-to-date) etc - see here for the exact info I need and how to lay it all out - you must do this PRIOR to sending any CCA Requests: ---> viewtopic.php?p=6789#p6789

            Originally posted by roomtobreathe
            Nationwide Visa £8k - refused dmp
            You need to confirm start dates of account, last payment made date and whether it was the full amount or a reduced amount, the status (i.e. default/in arrears/up-to-date) etc - see here for the exact info I need and how to lay it all out - you must do this PRIOR to sending any CCA Requests: ---> viewtopic.php?p=6789#p6789

            Originally posted by roomtobreathe
            Halifax Card £6.8k - refused dmp
            You need to confirm start dates of account, last payment made date and whether it was the full amount or a reduced amount, the status (i.e. default/in arrears/up-to-date) etc - see here for the exact info I need and how to lay it all out - you must do this PRIOR to sending any CCA Requests: ---> viewtopic.php?p=6789#p6789

            Originally posted by roomtobreathe
            Nationwide overdraft £3k - already defaulted me!
            You need to confirm start dates of account, last payment made date and whether it was the full amount or a reduced amount, the status (i.e. default/in arrears/up-to-date) etc - see here for the exact info I need and how to lay it all out - you must do this PRIOR to sending any CCA Requests: ---> viewtopic.php?p=6789#p6789

            Originally posted by roomtobreathe
            Alliance & Leicester personal loan £2.4k-accepted dmp payments for now
            You need to confirm start dates of account, last payment made date and whether it was the full amount or a reduced amount, the status (i.e. default/in arrears/up-to-date) etc - see here for the exact info I need and how to lay it all out - you must do this PRIOR to sending any CCA Requests: ---> viewtopic.php?p=6789#p6789

            Originally posted by roomtobreathe
            Clode Retail Finance £0.5k - threatening to default
            You need to confirm start dates of account, last payment made date and whether it was the full amount or a reduced amount, the status (i.e. default/in arrears/up-to-date) etc - see here for the exact info I need and how to lay it all out - you must do this PRIOR to sending any CCA Requests: ---> viewtopic.php?p=6789#p6789

            Originally posted by roomtobreathe
            I suppose my question would be should I be sending the card creditors a CCA just to see what the lie of the land is, and also if I do go down the route of UE should I be contacting CCCS to stop payments to the parties involved?
            Do not stop payments yet - not until you provide the requested info as per the link(s) above!
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

            Comment

            • #7
              Re: Should a CCA be the first thing to do?

              Originally posted by roomtobreathe
              Will do.

              By the way, is it worth asking for a CCA from the loan providers? These are 3 and 1 year old respectively.
              If they are after April 2007 then forget it - pointless cos they will be compliant and also unenforceability is not an option, really.... if you have PPi then reclaim that and reduce the balances - let them default you and sell the debt to a DCA then arrange F&F settlements with them - they will drop down by as much as 80% in some cases - worth a shot, pointless paying your lender for(ever) cos the debt will increase with interest etc.....
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

              Comment

              • #8
                Re: Should a CCA be the first thing to do?

                Thanks for the advice. I'll post back here with the details once I get them.

                Comment

                • #9
                  Re: Should a CCA be the first thing to do?

                  Credit reports now ordered. Just got to wait until I get access.

                  Comment

                  • #10
                    Re: Should a CCA be the first thing to do?

                    Originally posted by roomtobreathe
                    Credit reports now ordered. Just got to wait until I get access.
                    Okies, let us know when you get the data..... ;30
                    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                    Comment

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