I've scanned all the paperwork (minus the statements) but the file is too big to upload

@dx100uk There was a whole load of paperwork they sent me, but as far as I can tell this is the only document with my signature on it (I might need to double check that). Interesting that you mention "no creditors have ever produced any agreement for that period" - which is good news for me;-) So .... should I still let them know my new address? And moving forward, I just ignore their letters? And if in doubt, just check with you lovely people? @dx100uk There was a whole load of paperwork they sent me, but as far as I can tell this is the only document with my signature on it (I might need to double check that). Interesting that you mention "no creditors have ever produced any agreement for that period" - which is good news for me;-) What does PAPLOC mean please? So .... should I still let them know my new address? And moving forward, I just ignore their letters? And if in doubt, just check with you lovely people?

Copy of CCA - I've removed my own signature and address etc Copy of credit agreement.pdf

I've got the Credit Card Agreement - do I post it here or somewhere different? Wrists duly slapped I'll cancel the DD and let them know my new address, as advised above. What's the worst that can happen?

Hello caggers I've received a letter from Lowell offering 60% discount on my balance of £6082.00 - I went back to them (possibly not the right thing to do) and offered them 25% of the debt which they have refused. Original creditor = Capital One Type of credit = credit card taken out in April 2005 Currently paying Lowell £1 a month Defaulted date = April 2006 (so no longer on my credit file) Charges and interest has been frozen I'm wondering now if I need to pay them anything, although they do have the original credit card agreement which is what worries me. I've also moved but not had chance to tell them yet (my mail has been forwarded). Any advice would be gratefully received x

@dx100uk - Yes, that's correct. Moorcroft Debt Recovery = Egg credit card PRA Group = Halifax overdraft Capital One (credit card) = no DCA Am I within my rights to withhold payments to all 3 (even though Capital One isn't a DCA)? If so, how would I respond when they ask what my reason is for the stopping payments? Re the Egg debt - this was bought by Credit Solutions Ltd (I can't find a notice of assignment in my records), then passed to Moorcroft Debt Recovery (I can't find a notice of assignment for them either)! In addition, they have never sent me any annual statements

@dx100uk Moorcroft are chasing the Egg credit card

Thanks everyone for your replies, it's been an eye opener. In response to @dx100, here's my outstanding debts: PRA Group (original debt was an overdraft with the Halifax). Amount owing = £1297.80. Currently paying token payment of £5 a month. Capital One (credit card). Amount owing £6200. Got credit card in April 2005. First default April 2006. Currently paying token payment of £1 a month. Moorcroft Debt Recovery (Egg credit card). Amount owing £3500. Not sure when credit card started. First default April 2006. Currently paying token payment of £5 a month

Oh, I had no idea. So if I stop paying DCAs, they can't do anything? Have I understood that correctly? Other debts are relating to credit cards and I have been making token payments to them too! (Capital One and Moorcroft). The debts are all approximately 6 years old.

Hi, I've not been on this site for a while!. Does anyone have any experience with the PRA Group? I have a balance of £1297.80 from an old overdraft with Halifax/Lloyds TSB. The original default notice from the Halifax was 17/8/2011. I have been paying the PRA Group £5 per month as a token payment. PAR Group have now offered a measly 10% discount in full and final settlement. I've recently come to an agreement with another DCA and that was nearly 50% discounted . In the past I have offered to pay 30% of the debt to PRA Group but they have declined. The debt has been passed from pillar to post so they probably have paid peanuts for it. Just wondered if anyone can offer any suggestions as to how to tackle them?

Hubby is a seasonal worker, i.e. no work between November and March. I was made redundant and am now self employed but not earning anywhere near as much as I used to. Got behind with payments once before but was within the limits - i.e. didn't need to go to court. However, we got behind with the payments again over this winter and couldn't find the money needed to avoid us going to court. We have no family that we can ask for financial help either. Have been served with the papers to attend the hearing. I did come up with a payment plan which they said they wouldn't contest. However, that was only verbal and not in writing!

Can I still SAR them even if I don't have a reference number?

Apologies - the lender is now The Mortgage Works, I had forgotten the account had moved from DHL:oops:

Have been meaning to check this out for ages, so here goes. How do you know if you've been mis-sold PPI? I took a loan out ages ago which was paid off (via re-mortgaging). I don't have the original contract or anything so unable to check

Hi folks Got a possession order and a date to attend court (16 July). I am panicking now and hubby is getting really stressed out about it. No idea what to expect. We don't quality for legal aid and can't afford a lawyer. Also saw a thread about claiming costs back? Can someone please enlighten me? Is there a link that explains this?

Hi stressed mum! You're not alone. You're in an excellent position. Stick with it and don't give up. If you get stuck, just start your own thread and someone will get back to you. Good luck

Yes the Halifax are by far the worst. Remind me - are you on a debt management plan too? If so, I would strongly recommend complaining to the FOS. I highlighted 5 areas where they had breached the Banking Code, the Consumer Credit Act and the OFT Debt Collection Guidance. There's lots to go at - its just time consuming - but worth it in the end.

Hoorah– I challenged the Halifax’s policy on interest charges whilst on a debt management plan and won:D Thanks to the intervention of the Financial Ombudsman i’ve been offered a refund of all the interest and charges from the date they started charging interest (December 2007) + £100 for issuing an illegal default notice issued 5 July which stated I had to pay the arrears by 6 July!!! I still have a bone to pick with them about some earlier charges, but that should be a piece of cake, compared to getting the interest back. Loads of hugs to reallymadwoman for her brilliant thread http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/136654-complaining-financial-ombudsman-service.html?highlight=reallymadwoman which helped me to understand how to set out my complaint to the FOS. The bad news is – as soon as this is settled, I will have to deal with Blair, Oliver & Scott for the balance owing. I’ve been refusing to speak to them whilst the account was in dispute:(

Hi Sue Looks like you're in an excellent position. My hubby and I had a mortgage with Northern Rock and also a credit card. Like yourself, the credit card accounts were later taken over by the Co-op. I CCA'd the co-op and they admitted that they do not have a CCA. They tried passing the account onto a debt collector, but I reminded them that they can't do anything without a CCA! Go for it girl! Happy New Year;)

Good idea - will definitely do that if they or any other DCA reappear. Thanks a million.

Hi Lexis200 The Co-op have now thrown the towel in (so to speak) and passed the debt onto Fredrickson International. We sent Fredrickson International the "I am somewhat bemused" letter basically telling them to return the debt to the Co-op as the debt is unenforceable without the CCA. Just got a letter today from Fredrickson saying "we have referred the matter to our client and will revert to you as soon as we are in receipt of instructions. In the meantime we have placed the account on hold". I don't think they have a leg to stand on. Watch this space!

Hi Just realised a slight contradiction in terms (sorry for the confusion). I was on a standard variable rate which was discounted by 0.9% until 1 July 2008. The original mortgage was with GMAC RFC and they passed the account to Derbyshire Home Loans at the end of August 2006. There is no mention of SVR +1%. As far as I know I am just paying their SVR now. I did phone them around the time my discounted rate ended to ask if there were any other deals available but unfortunately they said "no, not at the present time". I didn't look around too seriously, I just checked a few sites on the internet but still felt the DHL rate was better than I could get elsewhere. Regards 2Tiko

Hi - my fixed rate (variable) ended earlier this year. As of 1st November the rate I am on is 6.84%. I did look around but found that 6.84% wasn't all that bad for sub prime. Let's hope they pass today's 1.5% interest reduction onto us:-)

Yes, that's the one I was thinking of but it mostly relates to CCA Agreement. The only bit (I think) that is relevant is . Should I be adding something more?

Thanks for your replies (rmw & djgordyp). Will press on and get FOS to investigate as the total interest charged since December has now reached £609.37. The only account in dispute template I have is for when they can't produce the CCA. I guess that answers my other question really. If the account is in dispute(?) then surely I should continue paying the Halifax instead of Blair Oliver & Scott? Confused:confused: