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

[Theaset]

Please enter your email address to view the agreement:

[MIKE770]

do not send a CCA again if you previously requested one, they know the rules no CCA no case proven., they are trying to be clever in the hope you have no idea, also if they had a hard copy then that is what they need to send you, not via EMail. your case is they have failed to send as requested a copy of the CCA under rule. and if they sent one then it has to be 100% correct not a might of been like this. slow down they are using you to panic.

No email give them as they tend to badger you through that method. No CCA no CCJ.

[CACheckreq66]

Hey there. Happy new year to all and thanks for the comments and updates from everyone.

I thought it might be best to summerise the entire thread so far to make it easier for anyone wanted to help:

Initially I had asked for a copy of the CCA for drydensfairfax after their request for payments and review appeared through my letterbox. drydensfairfax had kept responding with a letter response asking for me to sign in to see some documents on their website.

I didn’t trust this request to push me to sign up to their site and didn’t know what the documents were on their site, which I why I started the thread here and got wonderful advise from you all regarding how best to respond to drydensfairfax. In between these follow ups to get a hard copy and this appropriate advice on how to handle the claims put forward, drydensfairfax went ahead and put a court claim in, using the previous responses as justification to do so. Ignoring my requests for a physical paper copy be sent to me of the CCA at the time.

After the initial claim was filed, I acknowledged the claim and sent my defence. I also sent the advised letters and requests for details per previous posts in this thread. Since then I’ve received a few letters from arrow global directly and drydensfairfax acknowledging my defence was received and they were waiting on their client. This was well after their required 30 days response time required. (On a personal note I find it annoying that the claim can’t just be killed off since they can’t even follow the timeframe themselves. But here we are.)

I after that I sent the follow up complaint letter in response to their previous CCA request not providing a paper copy to me; shortly after that receive a paper copy of what seems to be a CCA. Problem is per your advice maybe it’s not a proper agreement?

that’s then end of the update and actions so far taken.

As advised in the previous post I had finally received something that seems to be a CCA via a letter in the post as originally requested by me; this was only provided after I followed up the last request with an letter of intent to complain to the appropriate independent group; advising they (drydensfairfax/arrow) we’re failing to comply with the original request for a hard copy of the CCA (and the subsequent follow up request as advised here.)

Going forward and following up from the responses provided to me:

The last posts mentioned that I needed to check if the documents sent were a legitimate copy of a CCA or skemthing along those lines. Problem is I don’t know how tell what a legitimate CCA actually is outside of filing th documents I originally sign on the day or a formal email etc telling me so. from the people I actually signed agreements with.

It looks to be a print out of what appears to be a digital agreement. There is a name at the bottom of the document with my initial typed in - next to a statement stating the typed name is in place of a signature. I can’t see any formal headers or anything just a lot of text.

what would be the best way to check it’s a proper hard copy?

Just to further follow up. I haven’t contacted or sent any other correspondence since. No concerns about me sending another request for CCA, the only times I’ve sent anything has been at the recommendation and advise from this forum.

The other requests recommended I send in previous posts per the defence statement have not been fulfilled as of yet. I did receive confirmation my defence was received back in November as mentioned earlier. Long after the 30 days response from them was required.

Checking the court claims site there’s been no update since my defence was confirmed as being received.

Hope this update post helps with further advice and support you are able to provide going forward. What should I do to authenticate the alleged CCA been sent to me finally and if not legitimate. What would my next steps be?

thanks again for all the help provided over 2022 and for 2923 beyond. Your site is such a lifesaver to many people such as myself!

[echat11]

Upload what they've sent you, remove all personal details.

[CACheckreq66]

Hi everyone, just updating this post as its been a little while and life things have postponed me responding to the last request. I am in the process of scanning te provided documents that were sent to me as the proof of a credit agreement for this issue.

I have checked the MCOL page also just incase there was an update, but there has ben nothing since submitting my defense. shouldn't there be a time limit to kick these claims out if the other side doesn't respond after so long? just a general rant and general query, seems quite unfair and one-sided otherwise.

Thanks again for the time, support and help with this. My next post will be the alleged agreement copy send to me.
(just a quick reminder to save reading back, this is the CCA request that was ignored multiple times, both before the submitted a claim and after submitting a claim, only send after threatening to complain about the lack of processing said request to the FCA (or whichever relevant entity you report/complain too.)

[CACheckreq66]

Hi There,

Apologies it has been a little while again, a lot of life stuff has been kcking my butt, from work to health. Anyway, I have tried multiple times to make a clean scan of the apparant CCA eventually provided to me via a letter from drydenfairfax (after multiple ignored attempts (see post above for a quick refresh on my issue if needed))

The images attached are the best I can do to get a clean image that is hoipefully legible, the apparant agreement itself looks odd compared to the text at the bottom of the first page, it looks really soft and offset, i dont think that is normal, looks like it was embedded into the letter as dryden has its own footer info on the first page.

Can you help me answer the following andbring some clarity about the documnent provided to me by drydensfairfax?
- Would i be correct in my understanding this is not a original copy of an agreement?
- Can you advise/confirm this is a CCA?

I have removed all personal details I can identifiy hence all the black parts, but where there is meant to be a signature there is my name typed out, no actual signature, same for the other signature from the alledged company, just text like this, but bold. (in case that is pertinent to confirming if this is indeed an original copy of a CCA.

Thank you again for all the help provided to me during all of this, its been almost a year since the issue was started, my case hasnt been updated nor have i been contacted since this was sent to me, but the case isnt set aside either. seems a bit unfair and odd but this is new teritory to me.

[echat11]

It's definitely not an original (the DrydensFairfax stuff at the bottom of the first page, shouldn't be there), it looks like a poorly / reconstructed CCA 1974. It's difficult to read, so can't be sure they've included stuff that has to be included.

Did they send a covering letter with the reconstructed agreement?

[MIKE770]

send it to ICO ??/ wonder what they would think?

[echat11]

They've tried to reconstruct it on 'DrydensFairfax' paper that they use for their day to day business.

[CACheckreq66]

Hi There,

Just posting an update to keep the thread alive, as its been a little while, its coming up to a year since the initial issue started, its just sat with MCOL status as defence submitted since then, in terms of MCOL related activity itself.

Since the above post I've received nothing in writing and no chase ups etc at all; everything has been oddly quiet throughout to be fair. That was until a couple days ago, with a letter sent form Arrow Global themselves, not drydensfairfax, stating the ownership of the debt has been passed to a group called Capquest.

Not much else too it other then telling me that Capquest and payments (I'm not making any payments) should go to them now.

Would his be normal in the middle of a Court claim submission, is the lack of activity for so long on a court action post defence being submitted normal either?

I suspect with what looks to be a farce of a CCA provided that they don't have any valid proof of debt ownership? Interested in thoughts/opinions and any advise should I need to take any action based on this letter of debt ownership to Capquest?

(Thanks again for all the help and insight over these months, life snot been great the last year and you've all been so helpful, I wish I could do more to help also in return. )

[echat11]

a) Would his be normal in the middle of a Court claim submission, is the lack of activity for so long on a court action post defence being submitted normal either?

It does happen.

b) I suspect with what looks to be a farce of a CCA provided that they don't have any valid proof of debt ownership?

They've bought the debt, but won't have a compliant CCA agreement because Dryden's make one up.

Interested in thoughts/opinions and any advise should I need to take any action based on this letter of debt ownership to Capquest?

No.

(Thanks again for all the help and insight over these months, life snot been great the last year and you've all been so helpful, I wish I could do more to help also in return. )

That's o.k.