If you cannot scan any paperwork, you can always send a photo to niddy with a link to your thread.
As everyone has said, the fight involves delaying everything for as long as possible, so don"t reply promptly and do not give them anything to help them.
As for silly questions, there aren't any, knowledge and information are power and stop you from taking actions that could damage your position in the future.
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Originally posted by scottygees View PostI apologise for any daft questions asked
There is no need to apologise and you will never be shot down for asking anything here on AAD
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Just like to say a big thank you to everyone on this site for the advice they are giving me and I apologise for any daft questions asked
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Originally posted by scottygees View PostOk so I have received the CCA request from Vanquis. I don't possess a scanner to copy these and send them to be looked at. I literally have an iPad which I can photograph these and send them, would that be ok? Also I have had a letter from Capital One saying Apex are no longer dealing and that the debt has been passed back to them. Please contact us. The CCA still hasn't been returned by them. Any advice?
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Originally posted by scottygees View PostThanks Roger. I need to update my entry.The last payment made was Feb 2017. This debt is sowned by the DCA as far as I am aware and hasn't transferred back to Vanquis, so any future correspondence I receive should come from the DCA. The DCA in question said they couldn't provide the CCA and that I should contact Vanquis directly for it, which I did, so not sure if the SWID letter will be appropriate.Please note all this is new to me so I am learning as I go along,so any advice is greatly appreciated.
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Originally posted by Roger View Post
If the DCA owned the Debt they would be responsible under ACT to supply the CCA. I think the DCA are collectiing Agents for Vanquis I think you could have stopped when you received their reply! Haven't got it!
You could at some point send the DCA a missing P/T's (they are Agents for Varquis after all).
If the Debt is sold on (Notice of Assignment) then the fact you can prove sending a CCA would I suggest be grounds for sending a SWID. .
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Originally posted by scottygees View PostThanks Roger. I need to update my entry.The last payment made was Feb 2017. This debt is sowned by the DCA as far as I am aware and hasn't transferred back to Vanquis, so any future correspondence I receive should come from the DCA. The DCA in question said they couldn't provide the CCA and that I should contact Vanquis directly for it, which I did, so not sure if the SWID letter will be appropriate.Please note all this is new to me so I am learning as I go along,so any advice is greatly appreciated.
You could at some point send the DCA a missing P/T's (they are Agents for Varquis after all).
If the Debt is sold on (Notice of Assignment) then the fact you can prove sending a CCA would I suggest be grounds for sending a SWID. .
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Originally posted by Roger View PostIts a good idea but wait and see what happens. Eat up the time.
No payment since Feb 2016 your doing well that's 19 months.
Silence is golden you could always hit VANQUIS later with a Missing P/T
But since you have evidence of the CCA request being sent then if and when a DCA appears you could send a SWID.
But for the moment Silence is best
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Originally posted by scottygees View PostI have read some people have sent a prescribed terms are missing letter following confirmation their CCA is enforceable. Is this a route worth going down or would it be best to wait for the the DCA to contact me and then send it?
No payment since Feb 2016 your doing well that's 19 months.
Silence is golden you could always hit VANQUIS later with a Missing P/T
But since you have evidence of the CCA request being sent then if and when a DCA appears you could send a SWID.
But for the moment Silence is bestLast edited by Roger; 2 September 2017, 19:33.
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Originally posted by Still Waving View Post
That's what I would do.
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Originally posted by scottygees View PostSo the CCA is enforceable..boo! Will see what their next course of action is unless any other advice can be given
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So the CCA is enforceable..boo! Will see what their next course of action is unless any other advice can be given
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There is a really good app called scannable that you can get for the iPad
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Ok so I have received the CCA request from Vanquis. I don't possess a scanner to copy these and send them to be looked at. I literally have an iPad which I can photograph these and send them, would that be ok? Also I have had a letter from Capital One saying Apex are no longer dealing and that the debt has been passed back to them. Please contact us. The CCA still hasn't been returned by them. Any advice?
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As others have already said, I would just wait for them to write and see what comes next........fingers crossed for you
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