CCA request

[dinky201]

if a Debt collector hands you a credit agreement late after a CCA request deadline?? what happens?

[MIKE770]

you check it is enforceable!

tell us more about this item etc?

[dinky201]

So if you gave 30days and Debt collector gives you it 60days later, its enforceable???

how I check if enforceable?

[MIKE770]

So if you gave 30days and Debt collector gives you it 60days later, its enforceable???

how I check if enforceable?

no matter which way i look at my reply upside down sideway cannot see I have stated anything about 60 days???

now look you requested a CCA okay! delayed, now you have got what they state is a CCA1974, you now need to find out if enforceable or not? now tell us about who originator and follow ups with who owned the alledged debt/amount/last payment? etc etc even take copy and blank out name a/c number address and post up here somebody will look at it for you? also date taken out with whom.

[MIKE770]

echat11 probably look in as well and advise.

[dinky201]

I like that one "cannot see I have stated anything about 60 days"

i send photo copy

[dinky201]

Its Aqua sold to Cabot, shall I send you copies as a PM???

[MIKE770]

no all on here to private PMs as open site unless told to, make sure redacted info crossed out hence I stated make copy of original copy and redact that copy then post here for them to look at

[MIKE770]

last paid/ default date etc etc etc taken out etc

[echat11]

When was the account opened?

Has the terms been 'varied' since the account was opened?

https://www.handbook.fca.org.uk/handbook/CONC/13.pdf

[dinky201]

Account opened in 2016 I think

[echat11]

Account opened in 2016 I think

Depending on the actual date it was opened i.e. XX/XX/XXXX, it might be statute barred. If 6 years has lapsed and no payment or written acknowledgement of the debt has been made in the last 6 years.

You can upload what they have sent, removing all personal details. Use igmur to upload the agreement etc.

[dinky201]

shall up load on this thread, its alot of pages?????

[dinky201]

Link to what they showed https://imgur.com/a/RgdKrZb

[echat11]

Link to what they showed https://imgur.com/a/RgdKrZb

Can't find your specific APR, they say it will be on the back of your 'welcome Letter', have they sent that?

Also has the interest rate changed since you opened the account? (varied the terms).

https://www.judiciary.uk/publication...-civil-221013/