How long to wait.

[Shadowcat]

I have a mis-sold debt from Close Motor Finance, of which almost all was paid. This was another one of those companies who got very heavy and intimidating if you had problems so because I didn't know the rules back then (2009) and felt that they were leaving me no way to go in terms of help, I did what a lot did back then and left the debt. I tried to speak to them reasonably but they kept putting some guy on the phone who would spend an hour talking, coming to no resolution apart from getting quite threatening.

Anyway, being older and wiser, I am now in the process of clearing up my credit rating, the people that gave me bad ratings are a bunch of liars anyway.

I wrote to Close on 13th December asking for a copy of the contract, they phoned next day and left a voicemail saying they wanted to talk to me which I ignored - I don't do phone calls anymore with people who lie.

So, the question is, how long do I wait to receive a copy of the contract before I ask for their credit reference agency and seek to get it removed?

Should I now send a letter that says I will only deal with them in writing? I'll do it if necessary but don't want to spend time doing letters that aren't. To be fair to them (should I be??), I didn't have a contract number to quote but gave them name and car reg, didn't sign the letter obviously.

So, next step - letter saying write only, or straight into a letter asking for their credit agency and how long should I give waiting for the copy contract?


Thanks for any help you can give folks.

[Sapphire]

Re: How long to wait.

Hiya

You should always do everything in writing and nothing over the phone, and give them 40 days to supply any paperwork.

[Shadowcat]

Re: How long to wait.

Thanks Sapphire, I just know they're going to say me not phoning them back is a valid reason for delay.

I guess I could write again now saying please only deal in correspondence and gently remind them the clock is ticking.

[Sapphire]

Re: How long to wait.

Yep that should do it.

[Shadowcat]

Re: How long to wait.

Added this little rabbit-punch at the bottom of the original letter (modified to say I enclosed a £1 fee, they're not getting that again). I will put this on any similar letters I send:

[FONT='Arial','sans-serif']If you do not send a copy of the Agreement please advise the credit reference agency that you use and also be advised that I will only deal with this matter in writing.[/FONT]
[FONT='Arial','sans-serif'][/FONT]

[labman]

Re: How long to wait.

To be honest, with people like that, it would be worth investing £10 and sending a formal SAR to them. They then HAVE to, by law, respond to you within 40 calendar days enclosing any data they hold about you. You may find there's default charges, etc... that may not be lawful in there.

If you've just written asking for a copy without any payment (there's a payment of £1 due for a copy of your CCA agreement) you may find they totally ignore it.

[Shadowcat]

Re: How long to wait.

I did enclose the £1 fee in the original letter, this is a chase up I'm talking about.

Thanks for the SDAR tip as there will be charges, as sure as night follows day.

[labman]

Re: How long to wait.

I did enclose the £1 fee in the original letter, this is a chase up I'm talking about.

Thanks for the SDAR tip as there will be charges, as sure as night follows day.

In which case, if you did a CCA request you don't wait 40 days - that's a SAR, you only need to wait 12+2 working days for a CCA request response. I usually give them an extra couple just to be seen to be reasonable.