If you receive your response, you should carefully check if it is a binding agreement before making an offer of refund. The threads mentioned in the “External Links” section may be useful. Among the types of debts that are not governed by the Consumer Credit Act are: one option may be for your shareholder to offer a reference amount for the debt? These were then passed on to Philips and Cohen, who published various vague letters about paying the debt (and a flood of voice emails) – so I sent CCA requests for these (mainly to check if these companies were entitled to the money from each estate and to understand how my father ended up in this situation). I got a few coins again, but nothing I would classify as “opposable”, as I read (generic t`s and c`s for one, not some form of agreement document), and the letters didn`t say how or how opposability (only instructions to send the money!). There was also no confirmation for a couple (although they were all in the same envelope and the £1 cheques were cashed!), but is the CCA`s request even applicable in this situation, since it`s not technically my fault? Remember that the agreement does not mean that the debt will disappear. Once you get this copy, all legal action can be taken against you to recover the car and any unpaid bills you still have. It is very unlikely that you will get a significant discount in the near future. Your default values are too current. You can apply for the CCA, but you take the risk that they will find it. And even if the CCA can`t be found, that doesn`t mean you can settle for 5% or 10% if it`s on your credit report for an additional 4 years. If you can get back to a very well-paid job, your debts are not huge, but just pay them. This debt will never appear on your credit report again. And asking for an agreement from the CCA is a very good idea of such an old debt.
I have two debts to Link Financial, which bought Barclaycard`s debt. I`ve read many times, including from discussions with Payplan, that Link Financial is difficult to manage. I chose a different approach from Link Financial, because that debt is still on my credit report. I wrote to them asking them to make copies of the Cca, which they came back and told them they were not able to do it.