CCA requests to a P.O. Address

[piesky]

Hi,
I want to send a CCA request to a DCA, DLRS, acting on behalf of beneficial Finance. I only have a P.O. address and won't be able to send it registered. Any help on this please? If I just send it, how will I know they have received?

Thanks, Columbus

[Paule]

Re: CCA requests to a P.O. Address

Whats is the address that you have?

[piesky]

Re: CCA requests to a P.O. Address

DLRS
P.O. Box 13501
Birmingham
B2 2FB

[Paule]

Re: CCA requests to a P.O. Address

You can get proof of posting when you send it.

I would also send a CCA to Beneficial Finance as well and write to the DCA stating that the account is in dispute with BF until they satisfy your requirements under the CCA

PKea

[piesky]

Re: CCA requests to a P.O. Address

OK. Thanks for your help. What address for Beneficial Finance would I need to send this to. And is it the case with any other creditor with a P.O. address that I still send the CCA request and proof of posting? Excuse my stupid questions but I'm new to this and very nervous and worried. I have a few of these to sort out - Credit cards- Mint, MBNA, Capital One, and Sainsbury's and Bank loans - Beneficial and Sainsbury's, Then my own bank and overdraft with Nat West. I also have various business accounts with Nat West with loads of charges going back years. Can I get any of these back as that would possibly put be back in the black?

[Paule]

Re: CCA requests to a P.O. Address

What may be helpful is if you list everything down then we can form a plan of action to try try and tackle everything. Its sometimes a lot easier to do it this way that do bits and bobs.

Then once we start progressing with each company we can split threads for each one.

Plus this wil also make it easir to see exactly where you are at with everyone.

Just a simple list, without figures for now will do, something like

Original Credtor...........................DCA
Barclaycard.............................Mercers
Bank Account..........................Jo Bloggs

That type of thing

Oh and Welcome to Beagles

PKea

[Curlyben]

Re: CCA requests to a P.O. Address

FYI, DLRS as HFC's "in-house" DCA.
I've had some personal dealings with them and always used the above listed PO box and always had a response.

Their bright yellow threat-o-grams are slightly annoying, but once threatened with legal action they soon backed down

I hate to disagree with PK here, but I see little point in send Beneficial a CCA as well.
DLRS will pass it to them for action anyway.

Remember beneficial are a trading name of HFC anyway.

[piesky]

Re: CCA requests to a P.O. Address

OK, Here we go.

Original Creditor DCA
Beneficial Finance Loan DLRS
GE Money Loan
Sainsbury's Bank Loan

Credit Cards DCA
MBNA OC
MINT OC
Capital One OC
Sainsbury's OC

Banking

Natwest - personal - with Overdraft - held for 20 years
Natwest - secured Loan
Natwest B&B account - Business
Natwest Business Account - old, now closed (12 months)
Natwest Business Account - Now closed (3 years ago)
Natwest Business Account - Now closed (5 years ago)

Business Debts not paid when business sold

Original Creditor DCA

Welsh Water Cap Quest
Local Brewery County Court
Local Veg Supplier
Local Wine Supplier
Business Rates

Personal Loan from Friend

I am also behind on my mortgage with Halifax and trying to sort out.

I am currently self employed but claiming tax credits and all the letters and phone calls from creditors are not helping at all.

The last few years have been quite difficult and have resulted in an enourmous amount of charges being added to by accounts, both bank and credit cards, as well as a CCJ from a previous business supplier (which I stupidly failed to defend) I wish I had found this site sooner.
------------------------------- merged -------------------------------
Thanks CB. The bright yellow letter that arrived was written without predudice and was an offer to settle in full with up to a 60% discount if I did so within 12 days. I am unable at present to do this.

[Curlyben]

so will it let me post or not !!

I've been trying to post on this thread for ages, but kept having problems.

Anyway, Pie, you really should have a good read through this thread, you will find it very useful: http://www.legalbeagles.info/forums/...ad.php?t=10982

[piesky]

Re: CCA requests to a P.O. Address

Yes, I have read through this post Curlyben and as you say, it is very useful. Pkea, Ive posted the list of creditors and as you can see, they are made up of CC's, loans, and debts owed to creditors from a business I no-longer own. What advice can you give taking this forward? I have received about 10 phone calls already this morning. I'm dreading the post and seem to be going into a shell shutting everything and everyone out. My OH says they have never seen me like this.

[piesky]

Re: CCA requests to a P.O. Address

Hi again, I have the CCA letters ready to send to Credit card companies - MBNA, Mint, Cap One and Sainsbury's. I cannot find the registered address to send these to: Mint, Sainsbury's or Cap One. Could someone post these up for me. Just to clarify, I am doing the right thing first by getting a CCA request off to these companies?? Should I also send a letter asking them not to telephone me but to put everything in writing? Thanks for all your help so far

[Amy]

Mint
http://www.legalbeagles.info/forums/...ad.php?t=12531

Sainsburys
33 Holborn
London
EC1N 2HT

Cap One
350 Euston Road
London
NW1 3JJ

[piesky]

Re: CCA requests to a P.O. Address

Thanks Amy. Do I just send the standard CCA letter (as below) in the first intance?

[FONT='Verdana','sans-serif']Dear Sir/Madam

Re:− XXXx XXXX XXXX XXXX

With reference to the above account, I would be grateful if you would send me a copy of this credit agreement.

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a[/FONT][FONT='Verdana','sans-serif'] [/FONT][FONT='Verdana','sans-serif']legible[/FONT][FONT='Verdana','sans-serif'] copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

I understand a copy of my credit agreement should be supplied within 12 working days.

I also understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

I look forward to hearing from you.

Yours faithfully

[/FONT]

[Amy]

Re: CCA requests to a P.O. Address

Curly's one is a better version.

See post #4 http://www.legalbeagles.info/forums/...ead.php?t=8053

[Paule]

Re: CCA requests to a P.O. Address

Should I also send a letter asking them not to telephone me but to put everything in writing?

Here you go

Have a read of this http://www.legalbeagles.info/forums/...read.php?t=286

and the intial letter is this

Your Address
Date

Company Name & Address

Re: Harassment by telephone


ACCOUNT NUMBER: XXXXXXX

Dear Sirs

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don't yet have recording equipment!!**)


Yours faithfully,


Your Name