In some very rare cases, your bank may withdraw money from your account to clear arrears on other debts you have on them. This is called their right of compensation. If you can`t move your account immediately, this letter can be used as a short-term measure to protect your income. I applied for a CSF agreement on 13 May 2020 and received a reply on 8 October. Since the debt is an overdraft, they did not provide it, which they do not have to do, according to my vote. But do I have a leg on which I can stand, which it took them five months for them to come back to me? These debts date back to 2008, but they say I`ve paid £20 in the last eight years, which means it`s not prescribed. Hi Sara, you have always been a great helper, I hope you can help me again. I received a call from DCA lawyers to say that their client had found the CCA, but had to email it because of the staff working from home. I gave them my email, and what I received was a 2-page document which is my card application. You have already sent me pages and pages of chargeback from 2000, when I withdrew the MBNA credit card.
You have now given me 14 days to contact them, to arrange payments, but is the application form the accepted CCA agreement that I should wait for? Please advise me on what I need to do now. The question was asked more than a year ago, but they have not said in any way whether the CCA is available or not, until now and it is just a copy of my application that has now been sent. Thank you. Hello, I`ve been paying £20 a month for years for an old credit card debt that is never repaid, it`s so old that it`s no longer on my credit report and I still have a great score, is this something I could try to finally get rid of this? Would it have an impact on my score if I went down this path? Thank you If you accept this offer, you also agree not to discuss the offer with third parties, with the exception of the original creditor. If you accept the offer, please prepare a letter on your company header in which you agree to the terms. This letter should be signed by an authorized representative of the [collection centre]. The letter is treated as a contract and is governed by the laws of my state. I will call them both, I advise you to record the call and explain the situation on the phone, maybe cabot signal that I could complain about the contents of your letter….