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DrydensFairfax - CCA request response - telling me to sign in to view the agreement

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  • DrydensFairfax - CCA request response - telling me to sign in to view the agreement

    Hi there,

    Been dealing with a long term debt from the late 2000s which was being managed with token payments grandfathered in from back in the day,

    Arrow global pull some fast ones switching account numbers and such so managed to get into a position to start having Drydensfairfax start to bug me to renegotiate the agreement,

    DrydensFairfax returned the 1 payment i provided in the letter and said they would request the details, their response arrived a little while ago. In the latter they say they have the agreement but:

    "Due to the Covid-19 situation, we are unable to send a hard copy to you at this time"

    they then proceed to state:

    "We can provide you with this information in their customer portal, simply log into the account <link to their site> and the request documents will available to view in the inbox"

    follows with details on how to register etc etc and says itll be there for 30 days.


    My understanding is they need to provide a full hard copy of the agreement, does this count as a valid method to provide these documents? I have avoided formally putting my name to any agreements on any of my longer term debts (over 10 years) due to the circumstances of setting up the token payments, nor have i ever signed up to any of the different creditors websites,

    DydensFairfax are the first to become a pain and start chasing me up for updated financing information/threaten ccj etc, which is why i decided to request the CCA at this time. I could do with some advise on how they are trying to present this information.

    Can i compel them to send a hard copy or argue the debt isn't enforceable if they don't show me a copy? asking me to sign into their service to view it digitally doesn't seem like a hard copy of the agreement to my understanding.

    if that is the case can i argue they haven't shown me evidence of the CCA so therefore the debt as it stands is now unenforceable?
    Any advise is helpful and i am grateful.
    Tags: None

  • #2
    Just write back with a follow up letter, stating that they still haven't complied with you CCA request unde the CCA 1974 Act so as such are in breach.

    Then update the thread, no doubt they will send more 'nonsense'.

    https://www.handbook.fca.org.uk/handbook/CONC/13/1.html

    Comment


    • #3
      Hi, Sorry for my late reply and thank you for your advice, I will reply with the above and see what they do next.

      they seem obsessed with trying to get me to sign into their website.

      I will update the thread once i get a reply. thank you again!

      Comment

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