CCA checks

[nightwatch]

There is nothing for you to do at the moments
Niddy has said they are UE, so sit back and see what they send next.

NW

[Helpme34]

• HELPME34's UE Diary

Virgin MBNA credit card

• May 2009
• £2457
• Last full payment: July 2012
• DMP
• Defaulted Feb 2013– - dropped off credit file
• Link Financial

24th August - CCA's received - to be e-mailed to check enforceability.
28th Aug - response from Niddy -This was an online application and they’re using a tick in the box signature. Niddy still thinks it's UE due to incompleteness of application prescribed terms.

Same question - next steps to take please..

[Helpme34]

• HELPME34's UE Diary

BARCLAYCARD

• Dec 1999
• £3265
• Last full payment: July 2012
• DMP
• Defaulted March 2013– - dropped off credit file
• Link Financial

22nd August - CCA's received - to be e-mailed to check for enforceability
28th Aug - response from Niddy - looks UE as there are only random terms and no signed agreement.

I'm assuming I should just keep quiet on this one

[Helpme34]

HELPME34's UE Diary

MBNA credit card

• Apr 2007
• £5385
• Last full payment: June 2012
• DMP
• Defaulted Feb 2013– - dropped off credit file
• Link Financial

22nd Aug - CCA's recieved - to be e-mailed to check for enforceability
28th Aug - Response from NIddy - Online application but is questionable

Again - would just to know what to do next please

[Helpme34]

• HELPME34's UE Diary

Virgin MBNA credit card

• Feb 2009
• £1509
• Last full payment: July 2012
• DMP
• Defaulted Feb 2013– - dropped off credit file
• Link Financial

June 2018 - CCA's requested - no reply
22 Aug 2019 - CCA's received - to be e-mailed to check for enforceability.
28 Aug - response from Niddy - This was an online application and they’re using a tick in the box signature. However, Niddy believes it’s UE due to incompleteness of application prescribed terms.

If someone can kindly advise the next steps I should take please

[Helpme34]

I have e-mailed all 4 CCA agreements to Niddy. Fingers crossed....

[The Tech Clerk]

yes send them:- webmaster@all-about-debt.co.uk link this thread

[Helpme34]

So, in the space of 3 days, I have received 4 x CCA requests from Link Financial. I had requested these last June and heard back nothing! I hope it is OK for me to email these to Niddy to check if they are enforceable.

[cymruambyth]

So last year, Wescot returned my postal order when I requested CCA's as I had made it payable to them when it should have been to Halifax. Should I now write again requesting CCA's from Halifax?

Yes I would send a CCA request to Halifax. The CCA request with £1 is a statutory request and is UE whilst it is unfulfilled.

[Helpme34]

• HELPME34's UE Diary

Santander Credit Card

• Feb 2008
• £2618
• Last full payment: Jun 2012
• DMP
• Defaulted Dec 2012 - dropped off credit file
• Wescot Credit Services

5 July - letter from Wescot asking me to contact them as Payplan are no longer acting on my behalf.

This was one of the creditors I didn't request a CCA from as my mortgage is with them. But as Nightwatch mentioned earlier my mortgage is separate so I will be requesting CCA's from them too.

[Helpme34]

HELPME34's UE Diary

HALIFAX credit card

• Apr 2008
• £3132
• Last full payment: June 2012
• DMP
• Defaulted Nov 2012 - dropped off credit file
• Wescot Credit Services

5 July - letter from Wescot asking me to contact them as Payplan are no longer acting on my behalf
6 July - letter from Wescot stating they would like to offer a reduced settlement amount and asking me to contact them to discuss further.

So last year, Wescot returned my postal order when I requested CCA's as I had made it payable to them when it should have been to Halifax. Should I now write again requesting CCA's from Halifax?

[Helpme34]

Thank you both. Panicking for no apparent reason. Really appreciate the help and support here

[cymruambyth]

As TC has said there is no set way that any of these companies work. Some will bombard you from day 1, others seem to go in cycles of alphabet or date of purchase. When they do start bombarding you, there can be months of quiet before they resend the same introductory letters! Just keep all correspondence and post on AAD for guidance before replying to anything. Our system is proven to work.
When you stop receiving all their letters, strange as it may seem, you will start to miss hearing from everyone!!!!!

[The Tech Clerk]

different companies operate at different time scales, but certain items has time limits, so await next moves

[Helpme34]

A quick question please. Other than the continuous calls from PRA I haven't heard from any of the other creditors either by phone or letter. Is this normal? I would have thought they'd be on our case the moment they didnt receive their last payment which was due 25th June..