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 DAS - cca request
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DASdude
Regular Contributor

23 Posts

Posted - 29 December 2019 :  16:07:20  Show Profile  Reply with Quote
Good afternoon,

I am looking for some advice in relation to sending off CCA requests to creditors who are currently in a DAS. The purpose of this is I would like to know exactly where I stand with each creditor should something ever happen to my DAS for whatever reason. I know it is my right to request copies of the CCA agreements however do you see any problems with me doing this whilst in a DAS? Would this breach any of the DAS terms and conditions or would it cause any unforeseen issues?

Thanks

TDA (Debt Adviser)
Trust Deed Expert



13254 Posts

Posted - 30 December 2019 :  09:22:25  Show Profile  Reply with Quote
Hi DASdude.

So youíre looking to test the legal enforceability of your debts?

I canít see an obvious problem with doing this, but suggest you check with your DAS adviser before you begin.

Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds    
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DASdude
Regular Contributor

23 Posts

Posted - 30 December 2019 :  12:35:02  Show Profile  Reply with Quote
Yes, that would be the purpose. I would discuss first with MA before even attempting this.
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jojo93
Advanced Contributor

127 Posts

Posted - 31 December 2019 :  06:51:49  Show Profile  Reply with Quote
I am in a Das once your Das is approved you are protected from your creditors they cannot ask you for extra payments or send letters saying they are taking legal action it's the law
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TDA (Debt Adviser)
Trust Deed Expert



13254 Posts

Posted - 31 December 2019 :  08:18:37  Show Profile  Reply with Quote
Hi jojo93.

You are entirely correct.

I think DASdude is wondering what their options are in the event that their DAS failed for some reason.

Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds    
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Kevin Mapstone
Trust Deed Expert



3812 Posts

Posted - 03 January 2020 :  11:16:54  Show Profile  Reply with Quote
I don't see how it could cause any problems for you at all DASdude. As you say, it is your right to request these documents - creditors cannot revoke your DAS just because you have exercised your legal rights.

Recommended Partner & Trust Deed Expert - Ask me for help setting up a Scottish Trust Deed    
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DASdude
Regular Contributor

23 Posts

Posted - 04 January 2020 :  00:44:00  Show Profile  Reply with Quote
Thanks everyone
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candlewick
Advanced Contributor

326 Posts

Posted - 04 January 2020 :  04:18:06  Show Profile  Reply with Quote
You can put in all the CCA requests you want while you're in a DAS. No problem.

If you want to use the results of those requests to negotiate a settlement amount it gets more complicated.

If you are in that position, or are hoping to be in that position, you should probably have a chat with your money adviser to see how to deal with it without breaking your DAS commitments.
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DASdude
Regular Contributor

23 Posts

Posted - 12 January 2020 :  20:25:50  Show Profile  Reply with Quote
Thanks Candlewick - happy new year to you! :-)
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