• Welcome to the LegalBeagles Consumer and Legal Forum.
    Please Register to get the most out of the forum. Registration is free and only needs a username and email address.
    REGISTER
    Please do not post your full name, reference numbers or any identifiable details on the forum.

cca letter

Collapse
Loading...
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • #16
    Re: cca letter

    Originally posted by nemesis45 View Post
    Happy to help.

    nem
    Re First credit- They wrote:-
    Firstly you should be aware that the period for recovering your debt by court action has expired. So we will not be issuing court proceedings to enforce payments. however your debt still exists and legally we are within our rights to continue to ask for repayment.
    First credit has stated What does a TRUE COPY mean.
    They have enclosed a photocopy of the credit agreement stating that it is permissible in law to do this by re populating a template with the details of the agreement taken from the creditors records.
    They have pointed out how much the amount outstanding.
    this fulfills our obligation under section 78 of the consumer credit act 1974 and hope this satisfies your request for informatin.
    finally 1st credit requests to contact them within 14 days to discuss the account.Should no contact be forthcoming the account may be subject tofurther letters, telephone calls,SMS and E mails.
    They have enclosed copyof credit card conditions along with the photocopy of the credit card agreement signed in 2004.

    I would very much appreciate if any one can help any further on this matter.

    Thank You
    WAT
    11/12/ 2017.

    - - - Updated - - -

    Originally posted by nemesis45 View Post
    Happy to help.

    nem
    Re First credit- They wrote:-
    Firstly you should be aware that the period for recovering your debt by court action has expired. So we will not be issuing court proceedings to enforce payments. however your debt still exists and legally we are within our rights to continue to ask for repayment.
    First credit has stated What does a TRUE COPY mean.
    They have enclosed a photocopy of the credit agreement stating that it is permissible in law to do this by re populating a template with the details of the agreement taken from the creditors records.
    They have pointed out how much the amount outstanding.
    this fulfills our obligation under section 78 of the consumer credit act 1974 and hope this satisfies your request for informatin.
    finally 1st credit requests to contact them within 14 days to discuss the account.Should no contact be forthcoming the account may be subject tofurther letters, telephone calls,SMS and E mails.
    They have enclosed copyof credit card conditions along with the photocopy of the credit card agreement signed in 2004.

    I would very much appreciate if any one can help any further on this matter.

    Thank You
    WAT
    11/12/ 2017.

    Comment


    • #17
      Re: cca letter

      Hi
      Did they at some point issue a claim?

      if they did, did they discontinue?

      If not it sounds like its statute barred so I would just keep that letter very safely and ignore anything they send.

      If no claim was issued and you are sure it is statute barred i.e 6 clear years of no payments or acknowledgment you could write to them remaining them of FCA rules that they shouldn't contact you . personally i would be inclined to block their calls and file their letters unless they become a nuisance

      Comment


      • #18
        Re: cca letter

        Originally posted by warwick65 View Post
        Hi
        Did they at some point issue a claim?

        if they did, did they discontinue?

        If not it sounds like its statute barred so I would just keep that letter very safely and ignore anything they send.

        If no claim was issued and you are sure it is statute barred i.e 6 clear years of no payments or acknowledgment you could write to them remaining them of FCA rules that they shouldn't contact you . personally i would be inclined to block their calls and file their letters unless they become a nuisance
        Dera Sirs,
        Thank You for you prompt reply.
        They did claim in 2014 December. Then I used the letter from this site asking for the signed agreement along witha £1 postal order.
        Only after 12+2 days elapsed they only sent me some copy statements
        I did not hear anything other than an annual statement until now.
        Asking for payment etc
        Then I wrote back with the letter from this site stating that the debt is no longer en forcible due to no reply with the credit card agreement.
        In response only they wrote to say that tey will not take court proceedings but the debt is due in full

        Thank you for explaining the STATUTE BARRED
        If they wrote to me to ask for money this means I will not qualify for Statute Barred path. Please correct me if I am wrong.
        I will take your advice in safe guarding the said letter in question.
        Shall ignore further telephone calls etc
        Any further advice would be much appreciated.

        Once again Thank You for your Advice.
        Best Regards
        WAT 11/12/2017 2045 hrs

        Comment


        • #19
          Re: cca letter

          Well I am no expert but it seems that as they issued a claim the statute barred limits do not apply. I think they are saying they can not win in court
          [MENTION=87380]Diana M[/MENTION] as this is over 3 years since the claim is it worth trying to get it struck out ..or would you just leave it?

          Comment


          • #20
            Re: cca letter

            Originally posted by wat View Post
            Re First credit- They wrote:-
            Firstly you should be aware that the period for recovering your debt by court action has expired. So we will not be issuing court proceedings to enforce payments. however your debt still exists and legally we are within our rights to continue to ask for repayment.
            First credit has stated What does a TRUE COPY mean.
            They have enclosed a photocopy of the credit agreement stating that it is permissible in law to do this by re populating a template with the details of the agreement taken from the creditors records.
            They have pointed out how much the amount outstanding.
            this fulfills our obligation under section 78 of the consumer credit act 1974 and hope this satisfies your request for informatin.
            finally 1st credit requests to contact them within 14 days to discuss the account.Should no contact be forthcoming the account may be subject tofurther letters, telephone calls,SMS and E mails.
            They have enclosed copyof credit card conditions along with the photocopy of the credit card agreement signed in 2004.

            I would very much appreciate if any one can help any further on this matter.

            Thank You
            WAT
            11/12/ 2017.

            - - - Updated - - -


            Re First credit- They wrote:-
            Firstly you should be aware that the period for recovering your debt by court action has expired. So we will not be issuing court proceedings to enforce payments. however your debt still exists and legally we are within our rights to continue to ask for repayment.
            First credit has stated What does a TRUE COPY mean.
            They have enclosed a photocopy of the credit agreement stating that it is permissible in law to do this by re populating a template with the details of the agreement taken from the creditors records.
            They have pointed out how much the amount outstanding.
            this fulfills our obligation under section 78 of the consumer credit act 1974 and hope this satisfies your request for informatin.
            finally 1st credit requests to contact them within 14 days to discuss the account.Should no contact be forthcoming the account may be subject tofurther letters, telephone calls,SMS and E mails.
            They have enclosed copyof credit card conditions along with the photocopy of the credit card agreement signed in 2004.

            I would very much appreciate if any one can help any further on this matter.

            Thank You
            WAT
            11/12/ 2017.
            Hi,

            Sounds like 1st Crudit are going back to their old ways of some years ago!

            With a debt that is SB yes they can still chase payment unless you live in Scotland where SB debts are extinguished, however their " threat " sound like harassment my response would to tell them in writing that you will not be making any payments and if they continue to press for payment by text, letters, email and phone you will consider this to be harassment and suitable action will be taken.

            Tried and tested response!

            nem

            Comment


            • #21
              Re: cca letter

              Originally posted by warwick65 View Post
              Well I am no expert but it seems that as they issued a claim the statute barred limits do not apply. I think they are saying they can not win in court
              @Diana M as this is over 3 years since the claim is it worth trying to get it struck out ..or would you just leave it?
              Ist credit has admitted the alleged debt is statute barred.

              nem

              Comment


              • #22
                Re: cca letter

                Originally posted by nemesis45 View Post
                Ist credit has admitted the alleged debt is statute barred.

                nem
                What isn’t clear is when the debt became statute barred , was it before the claim was issued or after

                Wat has said on at least two occasions a cc claim was issued but maybe it was something different.

                It is also not clear if a defence was lodged in which case the claim was stayed unless they discontinued.

                It is no use making suggestions or statements without the full story.
                Last edited by warwick65; 12th December 2017, 09:57:AM.

                Comment


                • #23
                  Re: cca letter

                  Wat - - I think you need to clarify a little - on reading back it doesn't look like you had an actual county court claim brought against you, just a letter asking for payment of the money owed back in 2015, which you responded to with a standard CCA request, and then later sent a letter saying the debt was statute barred, which 1st Credit have agreed with ( but intend to continue chasing to no avail )

                  So to be certain, did you, at any point, receive an actual court claim from the County Court ( likely Northampton County Court Business Centre) which you had to acknowledge and defence against ? It is important as a court claim would have stopped the clock on statute barring and will affect the action you take now.
                  #staysafestayhome

                  Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                  Received a Court Claim? Read >>>>> First Steps

                  Comment


                  • #24
                    Re: cca letter

                    Hi What's the date on this letter?

                    nem

                    Comment


                    • #25
                      Re: cca letter

                      Originally posted by Amethyst View Post
                      on reading back it doesn't look like you had an actual county court claim brought against you

                      . . . . So to be certain, did you, at any point, receive an actual court claim from the County Court ( likely Northampton County Court Business Centre) which you had to acknowledge and defence against ? It is important as a court claim would have stopped the clock on statute barring and will affect the action you take now.

                      According to post # 13 and # 14 on 17th February 2015 a county court claim had been issued >


                      Originally posted by nemesis45 View Post
                      Is there a CC Claim on this debt?
                      nem
                      Originally posted by wat View Post
                      There is a CC claim on this debt.

                      The OP then confirms this in post # 18 yesterday


                      Originally posted by wat View Post
                      They did claim in 2014 December. Then I used the letter from this site asking for the signed agreement along witha £1 postal order.
                      Di
                      Last edited by Diana M; 12th December 2017, 11:48:AM. Reason: added additional quote

                      Comment


                      • #26
                        Re: cca letter

                        [QUOTE=Diana M;767416]According to post # 13 and # 14 on 17th February 2015 a county court claim had been issued >


                        Post#20 seems clear enough, 1st Credit admits statute barred!

                        I suspect 1st. discontinued very early when they realised they could not enforce.
                        nem

                        Comment


                        • #27
                          Re: First Credit Dear Sirs,

                          Originally posted by Amethyst View Post
                          Wat - - I think you need to clarify a little - on reading back it doesn't look like you had an actual county court claim brought against you, just a letter asking for payment of the money owed back in 2015, which you responded to with a standard CCA request, and then later sent a letter saying the debt was statute barred, which 1st Credit have agreed with ( but intend to continue chasing to no avail )

                          So to be certain, did you, at any point, receive an actual court claim from the County Court ( likely Northampton County Court Business Centre) which you had to acknowledge and defence against ? It is important as a court claim would have stopped the clock on statute barring and will affect the action you take now.
                          REPLYto above.
                          20/12/2017
                          Dear Sirs,
                          Please may apologies for a mistake. There has never been a county court letter on this claim.
                          I got it confused with an other claim.
                          The Facts are as follows.
                          05/12/14
                          Letter recd to say the creditors assigned the debt to 1st credit

                          19/12/14
                          Letter recd -Reminder to pay

                          26/12/14
                          I have requested Copy of Credi Card Agreement using the site template. Enclosed PO for £1. Sent recorded Delv.

                          29/12/14
                          Letter recd to say county court proceedings are considered.

                          31/12/14
                          Acknowledged the receipt of my request of CCA
                          and said- They will contact the original creditor for information asked.

                          10/02/2015
                          Annual statement of balance letter recd

                          09/12/16
                          Copy statements of the debt recd.

                          16/11/2017
                          Reminder about the debt recd.

                          PLEASE NOTE I HAD NO REPLIES TO THE REQUEST OF CCA SO FAR.

                          27/11/2017
                          Used the sit template- Wrote saying non recpt of CCA and that the time limit has passed from 26/12/14. I did enclose copy of letter dated 26/12/14.

                          07/12/2017
                          They acknowledged the recpt of the letter.
                          Accepted that the period of recovery of debt by county court action has expired and will not issue CC proceedings.
                          Also explained what a TRUE COPY means and that
                          they have enclosed a copy of agreement with terms and conditions attached.

                          PLEASE NOTE Date of agreement was 24/012004
                          Some parts of the copy is almost illegible. Blurred
                          and unreadable without a magnifying glass.
                          May be a poor photocopy.

                          Finally reminded me that the debt is a debt and they will keep sending letters SMS e mails etc to recover the debt,

                          I apologies again for my misunderstanding about the letters CCA and cc.
                          Please be good enough to advice, what my next step should be,

                          Many Thanks
                          and appreciate your reply.
                          Best Regards
                          WAT
                          20/112/2017

                          Comment


                          • #28
                            Re: cca letter

                            Hi

                            So although you received a threat of a court claim non was actually issued ?

                            They have written to you saying it is still collectable but date for court is past?

                            If it were me I would just keep filing any letters away and if the call tell them you will only discuss it in writing.

                            If , and only if it becomes an inconvenience , send them back a copy of the letter where they say time for court is passed and remind them of the FCA rules on statute barred debts https://www.handbook.fca.org.uk/handbook/CONC/7/15.html

                            - - - Updated - - -

                            Just to ask- how much is the debt for?

                            Should you get a letter before action or a court claim do not ignore- they might just try to slip one in under the radar

                            Comment


                            • #29
                              Re: First Credit Dear Sirs,

                              Thanks for clarifying Wat, as we thought there's no court claim on this debt - so you really just want them to stop bugging you by letter and text now?

                              In which case let's have a look at whether the debt is statute barred to help you respond to them to hopefully put a stop on the contact ( pursuant to CONC FCA rules - https://www.handbook.fca.org.uk/hand...ate=2015-10-26 ) ( as Warwick said actually - teach me to read back!)

                              When did the debt agreement default/ terminate?
                              Does it still show on your credit file at all ?
                              When did you last make any payment ?
                              Did you write on your CCA letter that you do not acknowledge any debt to their company ?

                              If it isn't clearly SB then it might be a case of putting up with intermittent contact from them for a while until you are certain it is beyond 6 years.
                              #staysafestayhome

                              Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                              Received a Court Claim? Read >>>>> First Steps

                              Comment


                              • #30
                                Re: First Credit

                                Originally posted by warwick65 View Post
                                Hi

                                So although you received a threat of a court claim non was actually issued ?

                                They have written to you saying it is still collectable but date for court is past?

                                If it were me I would just keep filing any letters away and if the call tell them you will only discuss it in writing.

                                If , and only if it becomes an inconvenience , send them back a copy of the letter where they say time for court is passed and remind them of the FCA rules on statute barred debts https://www.handbook.fca.org.uk/handbook/CONC/7/15.html

                                - - - Updated - - -

                                Just to ask- how much is the debt for?

                                Should you get a letter before action or a court claim do not ignore- they might just try to slip one in under the radar

                                Dear Sirs,
                                Thank you for your reply today.
                                1. Threat was recd. But no court letter recd. That's correct.
                                2. Confirmation recd that no court action will be taken as the time has passed for such action,
                                yet they will pursue the collection action if no reply to the letter recd.

                                I am not sure if the debt is statue barred.

                                The debt is less than 6000.
                                Thank you for your advice.
                                Best Regards
                                WAT.

                                Comment

                                View our Terms and Conditions

                                LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

                                If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


                                If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.
                                Working...
                                X