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Hello everybody,
I have just joined and I have what ( I hope ) is a fairly simple question.
In 2010, I sent CCA requests to a number of creditors as my finances were in a bit of a state and I wanted to obtain a clear picture of where I stood in order to make payment arrangements. Most creditors complied, some debts were written off and other creditors are currently receiving payments based on my disposable income. A small number of creditors failed to respond and the accounts are currently in collection default. One such creditor being Shop Direct.
At the time, Fredrickson International were the DCA, acting on behalf of Pheonix Recoveries on behalf of Shop Direct and it was to them that the CCA request was sent. ( sent recorded delivery and received by them on the 4th of October 2010 ). They never responded and the account subsequently went into collection default.
Since then, I have received correspondence from five different companies trying to collect against the account and they have all been advised of the situation in writing.
I have now received a letter from a DCA called Rockwell, apparently acting on behalf of Arrow Global, which states that their client has not received a CCA request and that I should resubmit the request.
My question is: should I comply with their request or does the original CCA request still stand.
Any advice would be appreciated.
Many thanks.
I have just joined and I have what ( I hope ) is a fairly simple question.
In 2010, I sent CCA requests to a number of creditors as my finances were in a bit of a state and I wanted to obtain a clear picture of where I stood in order to make payment arrangements. Most creditors complied, some debts were written off and other creditors are currently receiving payments based on my disposable income. A small number of creditors failed to respond and the accounts are currently in collection default. One such creditor being Shop Direct.
At the time, Fredrickson International were the DCA, acting on behalf of Pheonix Recoveries on behalf of Shop Direct and it was to them that the CCA request was sent. ( sent recorded delivery and received by them on the 4th of October 2010 ). They never responded and the account subsequently went into collection default.
Since then, I have received correspondence from five different companies trying to collect against the account and they have all been advised of the situation in writing.
I have now received a letter from a DCA called Rockwell, apparently acting on behalf of Arrow Global, which states that their client has not received a CCA request and that I should resubmit the request.
My question is: should I comply with their request or does the original CCA request still stand.
Any advice would be appreciated.
Many thanks.
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