I'm sure this doesn't need saying, but don't forget to send it recorded delivery

Nope, that just proves you gave them some money three years ago. My dad gave me £50 for my birthday, doesn't mean he owes me anything else

Thanks for all the advice so far. It seems to me that Cabot are snoozing, so it would make no sense to poke them with a stick. I'll wait for ScotCall to answer (or not), and then see what happens after that. If Cabot pass it on or start chasing it themselves, I'll CCA them and see what happens. I'm on long-term incapity benefit so I don't exactly have a large disposable income right now. But enough to write the occasional £10 or £1 cheque every now and then

12 working days from date of receipt. In the unlikely event they do send you anything, post again and people here will advise you further

Please let me know if I've understood this right, as I'm new to all this. I ignored (perhaps foolishly) a letter from Cabot, then a few months later got one from Scotcall saying: "Your outstanding debt has been placed with ScotCall" Following advice here, I sent them a CCA request on 13 Feb, which they signed for on the 16th. Their 12 working days has long since expired, so am I right in thinking that the debt is no longer enforcable? Is it only ScotCall who can't enforce it, or could Cabot still pass it to somebody else? And am I also right that after a further 30 days I can report them, and if so to who? Many thanks in advance

Short of obtaining an injunction, I can't think of a practical way. Obviously if we were dealing with any civilised organisation then explaining the situation would cause them to modify their behaviour. However they've proved themselves to be vultures who regard themselves as above the law. If they did put pressure on a mentally ill person it would be a clear case of harassment and easy to prove, but sadly that'd be locking the stable door after the horse has run amok crapping everywhere. If you don't mind them having this information it might be worth writing to them - it may make them think twice. And at least if anything ever got as far as court you'd have proof that you'd informed them of all the facts, and they'd acted unreasonably nevertheless. Sorry I can't be of any more help....

Chances are they'll fail to send the documents, but even if the worst comes to the worst and they prove the debt you should only offer to pay them what you can genuinely afford. Let them take you to court if necessary, and as long as you're being realistic about what you can afford to repay a judge would 100% side with you. Bullying you into paying more is a big no-no.

What I've learned in my short time here is first and foremost stay calm - difficult I know. Write to them, don't phone, explaining your situation and stating that you will no longer deal with them by telephone. Send any correspondence recorded delivery (costs £1 for a standard size/weight letter). If they call you, tell them politely but firmly that you will only deal with them in writing then put the phone down. Don't get into a slanging match, no matter how tempting! I'd make the initial letter polite but businesslike, and then if that doesn't stop them move immediately to the template letters here requesting a copy of the CCA and other documents. If the debt is legit and you are struggling to make the payments then you should send them a budget sheet. Simply put, they cannot demand what you haven't got. If they took you to court and you showed a judge your budget, he'd only make you pay what you could genuinely afford. Plus it would go massively in your favour that you're making them a reasonable offer. Hope that is of some use, I'm sure others will add something more useful

Sorry, me again.... Just a thought: the more companies I send a CCA request to, the more chances there are of one of them actually having the documents. Even if only one of them can supply the CCA then I'm scuppered. Would I not be better just sending one request, as I have done, then sitting back? Thanks

I've drafted a fresh letter to Call Serve, to be sent recorded, with the following points: 1) Not acknowledging any debt to their company or clients 2) Stating that the alleged debt is already in dispute 3) Requesting CCA and enclosing a £1 cheque, stating that "under no circumstances is this payment to be set against any alleged debt" 4) Revoking their licence to visit my property. Does that just about cover it?

Thanks

Sorry if this has been answered somewhere, but I couldn't find anything.... 15/2/07 I received a letter from Russel+Aitken Solicitors acting on behalf of Debt Managers Ltd saying they'd commence court action to recover a sum. This had already been disputed verbally with the original lender, but following the excellent advice on this forum I sent them (R+A) a CCA letter, recorded delivery, on 23/3. They haven't as yet replied, but by my calculations they've got about another few days to do so. However on 3/3 I received a stroppy letter from Call Serve Ltd demanding payment (their bold) for the same debt. Should I also send them a CCA letter, or sit tight and wait for R+A to (not) reply? Where a debt is passed around like this, on who is the onus to supply the CCA documents? Thanks in advance, d

Ashbourne have been a thorn in my side for a while. I joined a local gym then after six months suffered an injury which meant I would be incapacitated for several months. My doctor advised that once recovered I abstain from any strenuous activity for serval more months - swimming instead to rebuild muscle strength. The T&Cs I signed clearly allowed me to cancel if I became incapacitated, so I wrote to the gym and cc'd the letter to Ashbourne, enclosing a photocopy of the doctor's letter and even a copy of the blue disable badge my local council issued! I also cancelled the DD with my bank. In the 12 months since then I've received numerous letters from Ashbourne claiming a debt still exists. Sometimes they left it a while, sometimes I received a letter every week. I simply responded to each one re-stating the T&Cs and enclosing the copies as before. Still the letters kept coming. Eventually I cut and pasted a load of legal-sounding stuff about the CCA and harassment quoting Section 40 of the Administration of Justice Act (that was before I found this brilliant site!), sent it off recorded delivery and haven't heard anything since. The last contact with them was before Christmas. So hopefully they've given up on me. So golflad, be persistant with them and take heart that the do eventually get bored!