Is there a Template update

[winner12]

Hi all
I have been sending CCA requests off lately to cover my own back and my self managed DMP
Is there a up to date template for when a creditor cant supply you with a valid CCA
Its shop direct who were after letting me pay as per my DMP for 8 months now want more and if I dont pay will be flogging it to a DCA
I CCA them and want to carry on paying so want to use it to negotiate my next 6 to 8 months if possible
Their letter just contained an upto date terms and conditions original date of when account had been opened which was 1999 and also I have agreed to pay every 28 days and thats it
What should I do next

[Caspar]

Re: Is there a Template update

Hi all
I have been sending CCA requests off lately to cover my own back and my self managed DMP
Is there a up to date template for when a creditor cant supply you with a valid CCA
Its shop direct who were after letting me pay as per my DMP for 8 months now want more and if I dont pay will be flogging it to a DCA
I CCA them and want to carry on paying so want to use it to negotiate my next 6 to 8 months if possible
Their letter just contained an upto date terms and conditions original date of when account had been opened which was 1999 and also I have agreed to pay every 28 days and thats it
What should I do next

I don't think there is an update - I haven't looked though! I'd be inclined to mention the inability to supply a valid CCA, but also choose a relevant extract from CPUTR 2008 to throw at them. If I CCA, I now put more emphasis on CPUTR than the CCA.

[winner12]

Re: Is there a Template update

Thanks Casper

Got my CCA request back from Cap 1 today reconstituted copy as expected with a load of waffle about fulfilling all on their part

It does not matter what I try to do to pay them back my hands are always tied and I dont seem to find any leverage
If its reconstituted does this mean its not valid and could I try to use it to get them to take my money

I have sent off a dispute to Additions though asking them to carry on with my DMP due to the fact that they have no CCA and I hope it stops them passing me onto NDR