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response to CCA

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  • response to CCA

    Hi again can I have an opinion on the reply to my CCA request I think I have a defense due to the lack of a copy of a default notice and them saying that the Halifax sent me the only copy which seems a bit odd but they have provided a screenshot but is that proof of posting?
    Can I ask for proof of posting and what else can I do to make them unsure ,or should I wait to see if they continue to proceed with there threat to go to court ?
    do you think I have a strong enough defense for one of those no win no fee company's to have a look ?
    just some information about my problem
    The debt is for just over £10.200
    defaulted 24/2/2014
    the last payment I made was for £25 on the 3/3/2014
    as far as I can remember the Halifax sent me an expenditure form and agreed to pay £25 the then told me to stop paying as they had passed the account on to a DCA of which there as been a few since 2014 all fought of with the help of the ladies and gents of the G O O D F website both old and new finally selling the debt to 1st credit ,now intrum in June 2017.
    They sent me a Pre-action Protocol letter and I responded with the CCA and asked for further documentation .
    They have given me a further 30 days to respond until the 22nd of March.
    Thanks for Looking and any advice is welcome Andy
    Attached Files
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  • #2
    Does sound like they have provided everything. Do you have the agreement they sent you you can post up pls - the original signed one (suitably redacted) not the later variation one.

    Defaulted 24/2/2014 - the default notice was issued on 14/1/2014 according to the screenshot so seems there was enough time. They can provide a 'template' and evidence the date it was sent ( the original creditors screenshot is likely to be acceptable to the court) so I wouldn't rely solely on the default notice.
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

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    • #3
      Hi thanks for looking, the only agreement I have had is the original one I signed presume this is the one you asked to see thanks Andy
      Attached Files

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      • #4
        Okay looks alright ( isn't signed by halifax but normally it's got a stamp somewhere )- did they send the general credit card conditions as well ?
        “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

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

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

        If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

        Find Solicitors offering fixed fees on our sister site - JustBeagle.com

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        • #5
          Hi thanks for the reply , yes they did send me a credit card agreement Andy.
          Last edited by ande; 13th March 2019, 18:06:PM.

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