CCA No respsone - where next?

[Hennie]

On the 6th October I sent of CCA request to my credit card company and as yet have had no response. They backed the cheque on the 13th October so I know that they definately got it.

 

By my calculations, they've had the 2 days allowed for postage, 12 working days, and the calendar month will be up this weekend (26th Nov).

 

Having read through the threads, I'm unsure what the next step would be (providing that nothing arrives this week). Can a credit card debt be totally unenforceable? or are they just not allowed to charge me interest on the amount "borrowed" anymore.

 

Any advice greatly appreciated, thanks

[breadline]

The grounds of a no show of an agreement are still under debate but it does seem that in court the original would be needed. so legal action limited

[Smoothy]

I have read a thread about no agreement returned and credit cards...

 

try this...

http://www.consumeractiongroup.co.uk/forum/legalities/22737-all-credit-card-companies.html

 

It may be of use to you!

 

Smoothy

[Hennie]

Thanks breadline & smoothy. Interesting post there.

 

hmmm, so tomorrow is there last day to provide the agreements. Any suggestions as what to do next anyone?

 

As this topic is still very much in debate, I'm mindful that I have borrowed the money and should pay it back, therefore I don't really want to send them the template letter saying that I don't acknowledge the debt.

 

However, if they wrote off all the interest they'd ever charged me, I'm sure that'd just about clear my balance OR would they just not be liable to charge interest forthwith, in which case I'll continue making repayments and my balance will fall much quicker.

 

Or should I just say nothing to them and report them to Trading Standards and let them sort it?

 

Thanks in advance

[Hennie]

Does anyone have any further thoughts on this please or details of who to contact.

 

It's time up now and I've heard nothing from my credit card company.

 

I phoned what I thought was trading standards today & the phone number put me through the the OFT in Cornwall. The up shot of it was, they didn't want to know, said I have to complain to my bank and then if still nothing report them to the ombudsman.

 

Surely this seems to make a mockery of the Consumer Credit Act, as I'd be giving them additional opportunity outside of the deadsline imposed in there for them to comply?

[breadline]

I'll continue making repayments and my balance will fall much quicker.

 

I wont be doing anything with mine, i worry if i continue to pay i enforce more thier rights to collect and bring an established payment scheme after teh reguest for the CCA once you send a CCA the ball is firmly in thier court.

 

I feel slightly the same way you do on 1 of my loans but not the other they knew i was in no position to pay them back when they refinanced me, all the money they did lend went back in thier tills, and raised the %the 1 I want to clear i used for a holiday so i feel i did walk away with cash. But I wont pay if it jepordises my status atall.

 

let them sort it out, they always seem to know it all.. when it comes to your money;)

[ecobabe]

give them a couple more days just to cover all eventualities, then write to them stating that they have defaulted on the cca request and as such the debt is unenforceabe (see s77-78 of the Act) and may have committed an offence by not compying in the time scale. remind them of date they received request and that they cashed cheque. they may yet come up with the agreement but they now need a court order to enforce it and it has to have 2 signatures on it yours and theirs. if they don't then they can't enforce it and as breadline stses i wouldn't make any more paymenst as it could be read that you accept this default