The 12 days are not a period during which the creditor must react, it is just that if he did not respond within that time frame, he cannot claim the debt in court until he has provided the CCA. You should seek financial advice immediately to avoid escalating collection measures. It is a task we can help us with, but you need to act quickly. On March 19, I applied for my credit contract – I have no information on the cards. Hello Sarah, according to my previous news, I haven`t heard from Cabot about the CCA agreement since June, what will be their next step? Thanks to Joyce CABProposition of a DRO is a way to go. But you might first try to ask the creditor to provide the CCA agreement, as suggested in the article above. If they can`t produce it – and it`s most likely for those old debts – you can tell them to leave, and you won`t pay them anything. NB for anyone reading this is usually a bad idea to ask the original creditor for the CCA. You can find it often, but not the buyer of the debt. They don`t want us to find the CCA! Ask the buyer. If you do not receive a copy of your CCA agreement within 12 business days of the application, the creditor will not be able to claim the debt in court until it has sent it to you. If insolvency (DRO, IVA or bankruptcy) seems necessary, requesting CCA agreements can be a waste of time, unless the payment of that debt makes the rest manageable. Sorry, I just saw this little bit in your previous article: “Plus, I have a financial club and walruses in dollars (I don`t really know who they are) all the ones I pay.” Dollar Financial would have been payday UK, Payday Express, Money Shop, or ladder loans – does any of them ring? Morses is a home lender — they took a brand called Shopacheck? cabotfinancial.co.uk 10 Nov 2017 – Collection Companies – Cabot Financial.
Negative figure due to inconvenient calls from a collection company – they want to obtain bank data and they insist 0344556025 `4445560225 3 01753913699 0345560281 `44444550281 2 Hello Sara I got an email from Lowell saying they take my email about the shop directly walruses and dollars as a financial claim and put my account on ice, even though I told them I just wanted the CCA and I was happy to keep paying. They took all my payments two days ago, even though they said they would not. I asked them several times by email if they put on my credit file that I hadn`t paid more and asked why they were taking payments when the account was put on hold. What do I do? They have not responded to me for more than two weeks and have still not provided the CCA for any of the accounts I requested more than 3 weeks ago. Any advice? Thank you for receiving a letter rescheduling Arrow Global`s debt for an old debt on which I have only paid symbolic amounts for about 9 years. The letter states that they have not complied with the Consumer Credit Act since 2011 by not sending me any updates to my account since 2011. They then include late account updates that have been dated to meet the slatedly run. If they have not complied with the CCA for a long period of time, does that mean that the debt will no longer be applicable? (I did recognize the debt by paying token amounts and occasionally corresponding with them). You state that “this remediation measure has no impact on your obligation to repay the balance.” Also, it`s worth asking for the CCA agreement (since the debts are old and have been sold several times)? If CCAs are produced, I will continue with the DMP I am currently trying to find a full-time job, as my mental health has not allowed before, but now I am in a really good place, hopefully my payments will be increased.