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Hi Legal Beagles
i'm wanting to be prepared and put 'my house in order'
i've a old account with an original creditor which has been fully assigned to a DCA. Up to now the DCA have been lax in chasing.
No previous CCA ever request made.
If i now approached the OC with a CCA request and they cannot comply and should the DCA wake up and start full chasing action am i within my rights in stating to the DCA that the case is disputed due to an outstanding non fulfilled CCA request by the OC? Am i too late to have put the matter in 'dispute'
For obvious reasons i do not want to 'wake up' the DCA by approaching them for the CCA; but i also want to be prepared for when they do 'wake up'
ive a strong feeling that there was never a proper CCA/or one that will be enforceable (its an account from 20 years ago). I'm about 1+ years from SB and aware of the last ditch attempts by the DCA's to get litigious the closer things get to SB.
Can anyone help with an answer?
i'm wanting to be prepared and put 'my house in order'
i've a old account with an original creditor which has been fully assigned to a DCA. Up to now the DCA have been lax in chasing.
No previous CCA ever request made.
If i now approached the OC with a CCA request and they cannot comply and should the DCA wake up and start full chasing action am i within my rights in stating to the DCA that the case is disputed due to an outstanding non fulfilled CCA request by the OC? Am i too late to have put the matter in 'dispute'
For obvious reasons i do not want to 'wake up' the DCA by approaching them for the CCA; but i also want to be prepared for when they do 'wake up'
ive a strong feeling that there was never a proper CCA/or one that will be enforceable (its an account from 20 years ago). I'm about 1+ years from SB and aware of the last ditch attempts by the DCA's to get litigious the closer things get to SB.
Can anyone help with an answer?
