Hello Sara, I sent an account back to FSO because CCA Link sent me was unreadable and it was missing o it lacked. Am I still waiving payments? You want to be safe! Link also sent me a final letter of disagreement on a debt that I did not dispute. I asked the CCA in March for not being established. It replied in April that the debt was not applicable because it could not deliver the CCA. I wrote to John Lewis to produce the cca in September and despite several phone calls and broken promises from them, they did not produce the cca or even recognized the request in writing. I wrote to John Lewis and told them that I would use the debt as unenforceable and that I would not make any further payments to them unless they could produce the cca. Fortunately, that debt is no longer on my credit report. Finally, there are certain requirements for connstructible agreements. A consumer credit agreement can only be entered into if it has been signed after or after all the lender`s insurance in the presence of the borrower and has not been signed on the lenders` premises. If the agreement fulfils these conditions and there is notification of the withdrawal rights, it must be included in the agreement.
If not, I will cancel at any time until the correct message is sent. However, they must repay all funds received. Hello Sara Me and my husband have been paying off a series of debts for about 8 years and they`ve all dropped our credit files. I have a CCJ that I know I have to keep paying for, but the others are agreements with collection agencies. We asked CCA to come back in March – 1 came back to say they can`t deliver it and the debt is unenforceable, 2 came back with nothing (provided they can`t get them) and we sent an agreement, but there is no appointment (would that be correct?) We have continued to make payments in recent months. I am right when I think that we can simply settle the payments if the CCA has not been provided without offering a full and final settlement. I feel like I have given them enough time now, even with the current situation of COVID. Over the years, we have probably paid 50-75% of the initial debt. but my husband received letters about creating an online account, called them, etc., and did not mention the unenforceable debt, which is his name.
we sent our individual letters at the same time, asking for the same as the mail above. They also threaten to resume calls with him if he has no contact…… Here is an excerpt from what he wrote to you yesterday: Thanks for your reply Sara, We have now received correspondence from 2 of the 3 creditors in response to the CCA`s requests and both must be unenforceable.