Murky Hall letters

[CleverClogs]

Re: Murky Hall letters

Thanks - I assume that means that they'll just screw it up then timewise and there'll be nothing they can do? I was under the impression that it was 14 days for a request as you imply.

It is.

If they can subsequently cobble together a reconstituted "twue copy" agreement from different sources which may or may not include the lining of the office cat's litter tray, then it might become enforceable.

[SteveEX9]

Re: Murky Hall letters

Thanks everyone, you are incredibly helpful and generous to be offering all this advice. I will see what happens next and report back.

[SteveEX9]

Re: Murky Hall letters

Still no response so should I contact them to say its now unenforceable or should I just wait and see what happens next? What is a SAR request as opposed to a CCA request? Thanks in advance.

[labman]

Re: Murky Hall letters

A CCA request simply asks for a copy of your original agreement. They have 12 working days (plus 2 for postage) in which to respond.

A SAR gives you all the information they hold about you, and is requested under Section 7 of the Data Protection Act 1998. They have 40 calendar days in which to respond to this.

[ODC]

Re: Murky Hall letters

Personally I wouldnt waste even a stamp on these scumbags

[labman]

Re: Murky Hall letters

Nor me!

[ODC]

Re: Murky Hall letters

Nor me!

They arent even worth the spit that you used to have put on the back of a stamp

[FlamingParrot]

Re: Murky Hall letters

Still no response so should I contact them to say its now unenforceable or should I just wait and see what happens next?

No need to contact them at all, they said if they couldn't provide you with the documents they would close the account, that's exactly what you want! :thumb:

Hi all, It was not part of a together agreement though I did have one of those in the past, but no longer. I have a reply to my CCA request (sent on the 13th May) which says the following: 'We have contacted our client for a copy of your agreement and statement of your account. Your account is currently on hold. Please be assured that no action will be taken against you. Should we not receive the relevant proof from our client within 40 days we will close your file and return the file to our client.

What is a SAR request as opposed to a CCA request? Thanks in advance.

As noted above, a SAR is a request for all data held about you under the DPA. You would send a SAR to get hold of statements and other documents such as letters, file notes, etc. which could be useful for things like reclaiming PPI, but not really to establish whether an account is enforceable or not. You'd only send a SAR to the original creditor, not the DCA who wouldn't have any information. There's a £10 fee.

A CCA request is a request under s.77-79 of the Consumer Credit Act, for a true copy of your credit agreement. Non compliance makes an account unenforceable until the request is satisfied. :thumb: :grin:

[SteveEX9]

Re: Murky Hall letters

Once again, many thanks for your advice and very thorough knowledge. Also I appreciate the advice re SAR and CCA and certainly didn't request the SAR. I will do nothing, as suggested, and see what happens.

[SteveEX9]

Re: Murky Hall letters

Hi all,
Still heard nothing and by my reckoning 40 days is up anyway. Should I do anything or just wait to see what their next move is?
thanks in advance.

[charitynjw]

Re: Murky Hall letters

Hi Steve,

Did you SAR?
If so, what has happened to the tenner?

[CleverClogs]

Re: Murky Hall letters

They arent even worth the spit that you used to have put on the back of a stamp

Or even a drop of pre-used, second-hand spit.

[FlamingParrot]

Re: Murky Hall letters

Hi all,
Still heard nothing and by my reckoning 40 days is up anyway. Should I do anything or just wait to see what their next move is?
thanks in advance.

Have you checked that your SAR letter was signed for on the Royal Mail site? :confused2:

If it was, your first step should be to write to them, enclosing a copy of your SAR letter and the proof of signature. Once you've done that, in the absence of a suitable response, you can go on to complain to the ICO, but you have to write to the company first: http://www.ico.org.uk/complaints/getting/complain

Looking back at this thread, it's not entirely clear whether you actually sent a SAR and if so, who it was sent to. :noidea: As a DCA, Murky Hall wouldn't have the data you'd normally be after when you send a SAR, such as statements and other documents relating to your account. A SAR should normally go to the original creditor rather than the DCA. :thumb:

If it was a CCA request you sent then it should have been responded to in 14 days, not 40.

[labman]

Re: Murky Hall letters

Are you in a rush?

[SteveEX9]

Re: Murky Hall letters

I've actually received a copy of an agreement this morning! It's signed and dated Oct 2006 - no idea of its legitimacy. There's a letter asking me to contact them within 10 days. Obviously the 14 days is long gone and I think even if it was a 40 day one that's probably gone too. Any advice? Thanks in advance.