Connaught Collections CCA request problem

[Smilesallround]

I have sent Connaught collections my cca request 3 weeks ago and I have heard nothing. They haven't sent a letter acknowledging the request or anything. My recorded delivery receipt said it was delivered and signed for.

i am not sure what to do just leave it? Stop my payments?

[MIKE770]

Re: Connaught Collections CCA request problem

give more details before you do that I suggest?

[FlamingParrot]

Re: Connaught Collections CCA request problem

I have sent Connaught collections my cca request 3 weeks ago and I have heard nothing. They haven't sent a letter acknowledging the request or anything. My recorded delivery receipt said it was delivered and signed for.

i am not sure what to do just leave it? Stop my payments?

Connaught are part of 1st Crud who are a debt purchaser, in which case they'd have to go back to the original lender to get the documents, hence the delay. Could you kindly remind us of the history of this account? How much are you paying?

[Smilesallround]

Re: Connaught Collections CCA request problem

give more details before you do that I suggest?

Well it was a credit card originally which has been sold onto Connaught defaulted on it 2007 been making payment via DMP for 7 years token payment and sent CCA request in April as they didnt reply to my full and final offer and they havent said a word they havent acknowlegdged it or anything.

[Smilesallround]

Re: Connaught Collections CCA request problem

Im stopping payments to all i have CCA'd and not supplied documents or responded other than Barclaycard who i bank with and dont want to stop payment.

[FORCEOFONE]

Re: Connaught Collections CCA request problem

If it was the original creditor you sent the CCA request to, then i would carry on payments

As it is a DCA, why bother

[Smilesallround]

Re: Connaught Collections CCA request problem

Yep been sending the payments to the DCA but i will stop as they are not responding to anything.

CCA went to Connaught as they have taken over the account for years.

[FORCEOFONE]

Re: Connaught Collections CCA request problem

[FlamingParrot]

Re: Connaught Collections CCA request problem

Well it was a credit card originally which has been sold onto Connaught defaulted on it 2007 been making payment via DMP for 7 years token payment and sent CCA request in April as they didnt reply to my full and final offer and they havent said a word they havent acknowlegdged it or anything.

If it was defaulted that long ago, there probably won't be an agreement they can supply at this stage, when you send a SAR, most banks will tell you they only hold data for the last 6 years. :thumb:

If it was me, I'd stop paying, as long as you pay, even £1/pcm, the debt stays live and never goes Statute Barred. :sad:

[Smilesallround]

Re: Connaught Collections CCA request problem

If it was defaulted that long ago, there probably won't be an agreement they can supply at this stage, when you send a SAR, most banks will tell you they only hold data for the last 6 years. :thumb:

If it was me, I'd stop paying, as long as you pay, even £1/pcm, the debt stays live and never goes Statute Barred. :sad:

Problem here is with my barclaycard. They are my bank and i have CCA'd them they are defaulting on it now if i stop payments they may take money from my account which im in overdraft anyway and all i really want is if they cant supply CCA offer them a full and final settlement of 10% and be done with them. Is this possible?

[MIKE770]

Re: Connaught Collections CCA request problem

Problem here is with my barclaycard. They are my bank and i have CCA'd them they are defaulting on it now if i stop payments they may take money from my account which im in overdraft anyway and all i really want is if they cant supply CCA offer them a full and final settlement of 10% and be done with them. Is this possible?

Change Bank accounts now, and get your regular incomes etc into new one, get one to-day away from Barclays, Natwest/nationwide, etc ? then deal with £1.00 per month etc, ?

[MIKE770]

Re: Connaught Collections CCA request problem

Change Bank accounts now, and get your regular incomes etc into new one, get one to-day away from Barclays, Natwest/nationwide, etc ? then deal with £1.00 per month etc, ?

you can then breath and recap on nxt move, CCA1974 them etc?

[Smilesallround]

Re: Connaught Collections CCA request problem

Change Bank accounts now, and get your regular incomes etc into new one, get one to-day away from Barclays, Natwest/nationwide, etc ? then deal with £1.00 per month etc, ?

But what about my overdraft? I will be oweing that then.

also as i have a CCJ until next year and some defaults which bank will let me open a new account?

[MIKE770]

Re: Connaught Collections CCA request problem

But what about my overdraft? I will be oweing that then.

Yes but your money will be safe elsewhere, and then you can sort out that area, get a Parachute Account sorted and you income paid into that, the ball is in your court then and you are in a passion to negotiate or attempt to, the peeps on here will advise but main thing now is another account away from the> PRIORITY if you have an overdraft and cannot clear in one go you can attempt to sort that out from a safe haven.

[Smilesallround]

Re: Connaught Collections CCA request problem

Yes but your money will be safe elsewhere, and then you can sort out that area, get a Parachute Account sorted and you income paid into that, the ball is in your court then and you are in a passion to negotiate or attempt to, the peeps on here will advise but main thing now is another account away from the> PRIORITY if you have an overdraft and cannot clear in one go you can attempt to sort that out from a safe haven.

Also as i have a CCJ until next year and some defaults which bank will let me open a new account?

could i not continue making token payment and then after a couple months write to them saying you havent supplied me with my CCA information i am offering full and final offer of xxxx to satisfy this account take it or leave it?