Re: CCA produced after 12 months
Latest update...another letter received today saying i must contact them within 7 days or THEY WILL either instruct an external collection agency to call on me to recovr the debt (they are very welcome...they haven't met my dogs yet ) or instruct a solicitor to start legal action. The outstanding balance they quote must be at least £2,000 over what the actual debt is because they added interest at 12% from day one despite not having complied with a CCA request. I also offered them a F&F of 10% which they turned down, its all I had as i'm unemployed and dont qualify for any benefits..
If this goes to court and I suspect it might now would the court take into account the fact that the CCA wasn't complied with until after £2,000 of interest was added?
Should I ignore them and let this run its course, or should I respond telling them exactly what i've told them before i.e unemployed, no benefits, no income etc?
Latest update...another letter received today saying i must contact them within 7 days or THEY WILL either instruct an external collection agency to call on me to recovr the debt (they are very welcome...they haven't met my dogs yet ) or instruct a solicitor to start legal action. The outstanding balance they quote must be at least £2,000 over what the actual debt is because they added interest at 12% from day one despite not having complied with a CCA request. I also offered them a F&F of 10% which they turned down, its all I had as i'm unemployed and dont qualify for any benefits..
If this goes to court and I suspect it might now would the court take into account the fact that the CCA wasn't complied with until after £2,000 of interest was added?
Should I ignore them and let this run its course, or should I respond telling them exactly what i've told them before i.e unemployed, no benefits, no income etc?
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