cca letter

[wat]

How long is the statuary time limit to receive a reply from the credit card company after sending the cca letter recorded delv and the fee of 1 pound enclosed

[nemesis45]

Re: cca letter

How long is the statuary time limit to receive a reply from the credit card company after sending the cca letter recorded delv and the fee of 1 pound enclosed

The Statutory Time Scale For A CCA Request is 12 + 2 Working Days, (no weekends or Bank Hols count).

nem

[wat]

Re: cca letter

Thank you so much for your prompt reply.

[nemesis45]

Re: cca letter

Thank you so much for your prompt reply.

Happy to help!!
Is there anything else we can do to help?

nem

[wat]

Re: cca letter

Happy to help!!
Is there anything else we can do to help?

nem

Sir/ Madam.
Please Advice.
The CCA letter was posted on the 29/12/2014 recorded ist calss with 1 pound postal order payable to 1st Credit / Original debtor Lloyds .
1st Credit acknowledged recpt of the letter dated 31/12/2014 and said that they will forward the communication.
My calculation shows up to today less wk ends and Bank holidays it is now 19 working days have lapsed.
Please advice my next step.
Should I contact them? If s is there a template?
Your help is thoroughly appreciated
Thank you in anticipation
WAT 25/1/2015.

[nemesis45]

Re: cca letter

Hi Wat,

Dear 1st Credit,
Ref: Use theirs.

I refer you to my request made under sections 77/78 of CCA 1974 signed for by 1st Credit on xx/xx/xxxx as you are well aware the time scale for compliance is 12 + 2 working days this has now expired rendering the alleged debt unenforceable.
1st Credit will now cease all " collection activity" until such time as a fully compliant agreement is produced.

signed for post again.

nem

[wat]

Re: cca letter

Thank you.
Does this mean that once they are able to find the required information it is enforceable.
Is the following true. Please explain.

If your debt is unenforceable, this means that your creditors cannot take out a court judgement against you, or demand back items on credit or hire purchase whilst you are waiting for the correct paperwork from them.
It does not mean that your debts are written off. You will still owe any money outstanding to your creditors and charges and interest could still be added to your debt whilst you are waiting for the information you have requested or for errors to be corrected. What’s more, once your creditor has provided you with the paperwork requested, your debt becomes enforceable again.
Please advice
Many Thanks.

[nemesis45]

Re: cca letter

All that is true, for items bought on CC's/unsecured loans, catalogues etc.

HP contracts have different terms and the goods that the finance is secured upon belong to the creditor.

[wat]

Re: cca letter

Thank you, No reply to CCA
When the statutory period of 12+2 days are lapsed
the creditor could transfer the rights to another company
and the process will begin again. They may find the documents required for renewed action.
Am I right in assuming this.
Thank you for your advice
WAT

[nemesis45]

Re: cca letter

If the "agreement " is not produced the debt is unenforceable.
A debt a can be sold on, anything could happen.

nem

[wat]

Re: cca letter

Thank you.
I shall wait to hear from them. Will seek your advice
in due course.
Thanks once again.
WAT

[wat]

Re: cca letter

Hi,
To date I have not recd a reply to the afore said CCA letter.
Instead they have written to me on the 10/2/15 recd 13/2/15 saying that an annual statement is enclosed and that if legal action is taken legal costs an interest which is being claimed but yet to be awarded by the court.
Please note that I have not sent a letter saying that the statutory time limit has passed for the CCA request no reply. (12+2 Day not 40+).
Would be grateful for your advice again.
Many Thanks.

[nemesis45]

Re: cca letter

The annual statement is a required item and is not a debt collection "letter"..

Is there a CC Claim on this debt?
The debt remains unenforceable until the agreement has been produced.

nem

[wat]

Re: cca letter

The annual statement is a required item and is not a debt collection "letter"..

Is there a CC Claim on this debt?
The debt remains unenforceable until the agreement has been produced.

nem

Thank you.
There is a CC claim on this debt.
I shall wait for further communications from them.
Thank you once again
WAT

[nemesis45]

Re: cca letter

Thank you.
There is a CC claim on this debt.
I shall wait for further communications from them.
Thank you once again
WAT

Happy to help.

nem