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Please help!
I had a call from connaught today and i spoke to them (silly i know) they want me to send in a means form for a review but i was under the impression when i started to pay these debts 7 years ago they wouldnt increase (one for £40 the other for £41) i know these reviews usually end up in them asking for more money which i dont have......question....if i have no more money to give them what can they do? do i have to send in the means form?
One thing led to another and i got a bit argumentitive!!! i asked about whether they would be able to comply to a CCA request within the time limit of 14 days, they told me it would take months for them to retrieve the CCA's from the OC because the debts were so old! i was then passed onto who i can only assume is one of their legal team who told me "the 14 day time limit does'nt apply to us because we are a debt collection agency" and she then repeated that it would take months for them to find the documents.
If i send in a CCA and they do not comply can i stop payments until they do? what enforcement action can they take if i stop payments after sending them a default? if they eventually come up with the document can they then take me to court for the full amount or take some other action against me?
I really need all the answers to the above as i am really worried about it all.
Thanks in advance.
I had a call from connaught today and i spoke to them (silly i know) they want me to send in a means form for a review but i was under the impression when i started to pay these debts 7 years ago they wouldnt increase (one for £40 the other for £41) i know these reviews usually end up in them asking for more money which i dont have......question....if i have no more money to give them what can they do? do i have to send in the means form?
One thing led to another and i got a bit argumentitive!!! i asked about whether they would be able to comply to a CCA request within the time limit of 14 days, they told me it would take months for them to retrieve the CCA's from the OC because the debts were so old! i was then passed onto who i can only assume is one of their legal team who told me "the 14 day time limit does'nt apply to us because we are a debt collection agency" and she then repeated that it would take months for them to find the documents.
If i send in a CCA and they do not comply can i stop payments until they do? what enforcement action can they take if i stop payments after sending them a default? if they eventually come up with the document can they then take me to court for the full amount or take some other action against me?
I really need all the answers to the above as i am really worried about it all.
Thanks in advance.
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