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As a new member here, I've cut to the chase and started my own Diary as recommended. The following Debtors have all been recently contacted after continuously dealing with them directly over the last 3-4 years, and making consistent Standing Order payments during that period. It was only after requesting a CCA as part of getting an unfair Default notice removed that the DCA informed there was no copy available - this came as a pleasant surprise and prompted me to follow suit with them all. I'm in the process of receiving their responses and will list each Lender/DCA along with the current information held on my files.
1. Westcot (Barclays Credit Card) Debt Value £3k+
After CCA request I have been referred to Barclays Bank themselves. I have yet to write directly to them. Account is now on temporary hold status.
2.CL Finance (Debenhams Storecard) Debt Value £480
After CCA request they are now in the process of retrieving it.
3.DG Solicitors (HSBC Loan) Debt Value £7k+
After CCA request on 08.11.10 no response to date.
4.Lloyds TSB (Platinum Credit Card) Debt Value £6k+
After CCA request I have been sent a "Reconstituted Version" that includes no signatures of any kind. I quote [size=5]" Having satisfied our obligation under section 78, the agreement you have with us is fully enforceable and we shall continue to treat it as such. We will not be entering into any further correspondence with you regarding the provision of copy agreements." No further action has been taken on my part as yet.
5.Link Financial Outsourcing (MBNA Credit Card) Debt Value £1.9k+
After CCA request I have been informed that despite purchasing the debt they are having to request a copy themselves, and have asked me to allow 30 days for this to reach completion.
6.Rockwell DCA/Tessera Portfolio Management (HSBC Overdraft) Debt Value £2.3k+
After CCA request I have been informed that there is no copy available but that I should still acknowledge the existence of the debt and continue payments for it's duration. They also fully acknowledge that the debt is unenforceable. I currently have a Default notice on my Experian Credit File and it has been there since 2006.
If anyone can tell me how and where I can get closure on the relevant accounts I would greatly appreciate it and updates will follow as required....
1. Westcot (Barclays Credit Card) Debt Value £3k+
After CCA request I have been referred to Barclays Bank themselves. I have yet to write directly to them. Account is now on temporary hold status.
2.CL Finance (Debenhams Storecard) Debt Value £480
After CCA request they are now in the process of retrieving it.
3.DG Solicitors (HSBC Loan) Debt Value £7k+
After CCA request on 08.11.10 no response to date.
4.Lloyds TSB (Platinum Credit Card) Debt Value £6k+
After CCA request I have been sent a "Reconstituted Version" that includes no signatures of any kind. I quote [size=5]" Having satisfied our obligation under section 78, the agreement you have with us is fully enforceable and we shall continue to treat it as such. We will not be entering into any further correspondence with you regarding the provision of copy agreements." No further action has been taken on my part as yet.
5.Link Financial Outsourcing (MBNA Credit Card) Debt Value £1.9k+
After CCA request I have been informed that despite purchasing the debt they are having to request a copy themselves, and have asked me to allow 30 days for this to reach completion.
6.Rockwell DCA/Tessera Portfolio Management (HSBC Overdraft) Debt Value £2.3k+
After CCA request I have been informed that there is no copy available but that I should still acknowledge the existence of the debt and continue payments for it's duration. They also fully acknowledge that the debt is unenforceable. I currently have a Default notice on my Experian Credit File and it has been there since 2006.
If anyone can tell me how and where I can get closure on the relevant accounts I would greatly appreciate it and updates will follow as required....
Many Thanks Niddy!
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