Hello Beagles. Hope I can get some good advice on this problem.
My background is probably like many others. I built up substantial credit card debt and had no problem paying the instalments until the recession hit and my wages plummeted.
After examining my income v expenditure with no money left after reasonable living expenses a recognised debt advice charity advised me to offer a token £1 a month to creditors until things improve. After a few letters most accepted but two refused and quickly sent default notices, terminated and got DCA's to chase the full balance.
My S78 CCA requests were still outstanding so I sent the DCA's Beagles template letters. Thank you! Both accounts are now back with the OC's and I have their S78 replies.
My question is this - After researching I think one S78 response does not meet S78 or OFT requirements. Is it best to put the account into dispute with the OC now or wait until it is passed to a DCA for collection or sold on, then do a new S78 to the DCA followed by a dispute letter?
My background is probably like many others. I built up substantial credit card debt and had no problem paying the instalments until the recession hit and my wages plummeted.
After examining my income v expenditure with no money left after reasonable living expenses a recognised debt advice charity advised me to offer a token £1 a month to creditors until things improve. After a few letters most accepted but two refused and quickly sent default notices, terminated and got DCA's to chase the full balance.
My S78 CCA requests were still outstanding so I sent the DCA's Beagles template letters. Thank you! Both accounts are now back with the OC's and I have their S78 replies.
My question is this - After researching I think one S78 response does not meet S78 or OFT requirements. Is it best to put the account into dispute with the OC now or wait until it is passed to a DCA for collection or sold on, then do a new S78 to the DCA followed by a dispute letter?
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