As I said back on the 10th are CL still chasing this ?

Just throw the dispute letter in post #8 as there's not really much that can be done until the test case finished. If they call again, simply state that your require all communications to be in writing for the avoidance of doubt and continual calls WILL result in a report being filed with the OFT for harassment.

Glad you did Andy, as I don't really want to explain that one to them Have a good time.

Without a contractual provision to that effect, NO.

A better idea. Fight Fire with Fire

Are CL still chasing you on this one ? Interesting views from TS there, but they have correctly pointed out that really only court action would be able to assert this documents validity.

London Scottish Bank collapses London Scottish Bank collapses - Times Online As you all know these are the backers of our good friends Robinson Way & Co (RW&c) What a shame how sad..... NOT !!!!!!!! :D:D:D

I'd be inclined to throw them a CPR to really get up their collective noses.

That'll be a breeze then. Don't forget to ask for your costs involved in researching this action. Litigant In Person is priced at 9.25 per hour. I'd try for 10 hours

LOL, sounds about right. File NCO and ignore them. You'll get a whole bunch of threats and maybe even a letter from their "solicitors" but they are basically bullies.

I assume you mean you CCA them. Well that being the case they still haven't complied with your request and as such the request is defaulted after 12 working days. In all honesty, I've yet to see a compliant Cap1 agreement anyway

Honestly, don't bother sending anything to NCO as they'll ignore it anyway. Save the stamp

Hi Zak, got your PM. How's this:

Of course they are going to say it's confidential until they get their hands on your fee I distrust anything this group has to say as they are clearly only doing this for vast profits from the least off members of society. Now where did I put my barge pole.

They are kind of right. Unless you send them a FULL SAR or a specific request they don't have to supply the agreement. If it is included in your SAR then they must comply, but the CCA time limit requirements don't apply. It's simply a request for information and not a binding request. Now if you CCA them then they MUST comply or suffer the obvious consequences.

Got your PM and I must admit I think you are confused here. The application form you posted from 2005 in post #4 is signed by you, has all your details and is compliant. I see no relevance to the 2007 documents, other then the fact they have clearly updated the T&C's in the two years gap. At the end of the day they have complied with your CCA and supplied an enforceable agreement, the heading is irrelevant as an application CAN be an agreement. So where is your confusion ?! Ps there is only 1 E in Curlyben

Dave you know this is a really easy one. This should put them to bed in double quick time:

The 2 page application is indeed your agreement, as this IS possible. The 2005 single pager is simply the card bearer and NOT a CCA at all, simply T&C's. The 2 page application, assuming you have signed it and it has your details is compliant.

Yep that's a compliant CCA if ever I saw one. All the prescribed terms are indeed present, so this would be easily enforceable.

Yep that'll be the one. They never seem to let statute law get in the way of their pursuit of a debt

They would be very silly to try anything like that. NCO's main tactic is harassment on the telephone. I ended up changing my phone number because of them. I was getting a dozen calls a day from 7 am to 11 pm !!! Not good with young children.

Honestly, file it under ignore for now and see if they write anything else. They like to send out letters and cards with numerous coloured people on them, Mr Black, White, Orange, Green. Too many films me thinks. NCO are a pain in the bottom to deal with, constant telephone calls and all manner of threats, but as ever completely spineless. If they do call simply demand everything in writing for the avoidance of doubt as is your right. They will likely try their normal BS story about being a telephone based DCA. Well that's tough isn't it. No letter, no dealing with them

Well in that case, from your description alone, total carp.

Utilities are NOT covered by CCA, but there's nothing to stop you sending them a prove it letter.

That's it game over. No CCA = No Enforceable debt.