I have composed this letter what do you think. Oh and i cant seem to find any sample SAR letters on the site i tried the beta generator but it through a wobbly. Thank you for your letter dated 02 January 2008. I understand that you feel that you have no obligation to provide any documentary evidence of your claims against me. However because you stated in the letter the following ‘We are the legal owners of the account and the liability is now to us in respect of repaying the outstanding balance.’ You do have a legal obligation, whether you are the original creditor or not to furnish the required documents. Furthermore you stated that there exists a county court judgement against this account. Please supply a copy of the CCJ paperwork .

Thank you Goldlady.

Fact is I probably did. but in 2001 life went tits up for me, seperation ,divorce and two failed suicide attempts meant that in 2002 because of severe depression I couldn't care less who or what was going on about debt. It took me a further 2 to 3 yrs of Pshyciatric medicine to put me onto a level (sort of) footing .The thing is that my debts have changed hands so many times that I am no longer sure who has ccj's against me and who doesn't. It's a confusing mess. I haven't paid off any ccj's

hello, can you help. I asked Aktiv capital for a cca. They say that they are not the original creditor nor did they provide the original credit facility. They say they purchased my debt and the right to collect that balance with the right to apply interest in accordance with the original credit card agreement. as such they claim they are not obliged to provide me with a copy of the original agreement. They go on to say that as a matter of good business they tried to obtain from Dickens and Jones a copy of the agreement but the agreemnet is no longer available. however they say that there are already in existance a county court judgement dated 12/03/2002. So they can see no reason to suspend thier debt collection activities They go on to say. We are the legal owners of your account and your liability is now with us in respect of repaying the outstanding balance that was purchased by this group of companies. It is therefore in your best interests to agree a settlement with us or discuss terms for settlement ( we may give you a substantial discount on the original balance for early payment) within the next ten days. the balance on the account is £562.31

Yes it is a good letter, I was trying to make the letter relate to the statute of limitations so on reflection I Thought that this might sound better. What do you think ? Do you think that what follows has teeth or any legal bearing. Or is it just twaddle. It is in draft mode. Horwich Farrelly London Scottish House Quays Reach Carolina way Salford M50 2ZY Your Ref : 555662670 Your ‘Client’ : Robinson Way Dear Sir/Madam, I refer to your letter of 01/06/2007, which was received by me on Tuesday 5th June 2007. Frankly, I am surprised of the need to remind a firm of solicitors about the terms and conditions of the "Statute of Limitations", and the consequences that will occur if your client persists with their foolish course of action to ignore it. I sent Robinson Way a Statute of Limitations letter, by recorded delivery 9th May 2007. They would have received this letter by the 10th May 2007. I can only assume therefore that they failed to inform you. Should your ‘client’ now persist with the threats of legal action as stated in your letter, I will have no recourse but to welcome the opportunity for a judge to look at several offences committed by Robinson Way under The Consumer Credit Act, 1974, as well as your client’s non-compliance with and total disregard for the law on this occasion. I will be able to produce evidence from trading standards as I was forced to involve them earlier in the proceedings, Your 'client' has a history of repeatedly disregarding written communication from me. Yours truly, Colin Armstrong A strange thing has happened regarding the recorded delivery of the Statute of limitations letter.There is no record of the letter being signed for. Perhaps Robinson Way refused to receive it after seeing my address. The royal mail info line couldn't tell me why there wasn't a date listed fro delivery.

Long story...I'll make it brief. February sent Robinson Way a CCA request... April I had to get the OFT involved as WAY hadn't complied with the request and was stating they were going to take legal action. Robinson half complied with the request after that & sent just 1 A4 bad photocopy of a credit card agreement.They did not supply a statement of account nor any copies of other information that was mentioned on the agreement. I ascertained from the date of the agreement that it was more than 6 years since I had had any contact. 9th May I sent a Statute of Limitations letter to Robinson Way . They did not respond. Today 06 june I get a letter from a so called "solicitor" at the same address as Robinson Way saying their client had instructed them to seek full payment. Then it goes on to say perhaps a satisfactory arrangement may be made as to payment. Should I wish to pay or make an arrangement to pay I should contact Robinson Way by telephone. What reply do I give to this so called "solicitor" It seems its just a try on to get me onto the phone to Robinson Way.

I would like to thank you all for all the good advice that you have given me. Thats why I love this site. I hope that one day I'll be able to help someone.

No letter of assignment...no.

I haven't acknowledged the debt at all, My only comunication has been to ask For a copy of the agreement.So it would seem that you generaly agree that I should Tell them the copy isn't of any use to me because of it's illegability.I should also inform the OFT. Thanks for the Help. This site is magic. When I was younger If I had a problem like this I would have been very compliant with the DCA. Since I asked for the Agreement and involved the DTI Robinsons has been very very quiet.

I CCA requested Robinson Way they ignored me so I grassed them up to the DTI they told the DTI that a copy of the credit agrement was on the way.... What arrived were 2 very dark photocopies some of which is illegable and nothing else...no statement of account no copies of any document or information that was mentioned in the original credit agreement...all of which I had asked for in the CCA request. Does their response constitute a proper response to a CCA request. What should I do next. The agreement is for a credit card the date on the agreement is 29th march 1996.

I have had 2 letters from Buchanan clark+wells. After I made a CCa request Letter one Dated 04 April 2007 We do not hold copy credit agreements at this office as we are not the creditor.Your postal order is returned. I have placed this account on hold and have asked my client to forward the documents to you directly. They then say should I require further assistance to phone 08717001551. It is signed by someone from Administration department. Letter two Dated 05 April 2007 PURSUER:THAMES CREDIT PRINCIPAL SUM: £1940.55 Says basically the same bar the refund of the postal order. Heres a funny thing it refers to the credit agreement as an invoice. The second letter wasn't signed. I have never heard of Thames credit Is an invioce the same as a credit agreement I wouldn't have thought so. The CCA request arrived at BCW , George Square Glasgow on 04 April 2007 so they were quick enough to get a letter out to me. But I am still waiting for the credit agreement. When the law is calculating working days does it class saturday as a working day. If it does then BCW are close to defaulting on the CCA request. How do you think I should proceed.Next steps ect. Oh and how can someone take me to court for a debt if they are not the owner of that debt.

DONE !!!! I was so fed up with one debt collection agency (at one point there was steam coming out of my ears,) that I contacted the DTI. I had asked Robinson Way to supply me with a copy of the agreement plus a breakdown of the charges.after 1 calender month they had not responded so I wrote to them again.They responded saying it would take more than 10 days to reply....EH !! Whilst waiting for my agreement etc... They then wrote and said I had 4 days to pay up or it would be court.I lost it, I went ballistic with them ,the guy on the end of the phone could only grunt a little when I told him I had involved the DTI. I subsequently received the agreement but no list of charges. I will not be ignored by these pond **** companies. I am currently engaged in a pointless paper chase with them. I am having a whale of a time .My latest salvo has to to claim the statute of limitations applys to the agreement. Failing that I will ask again for a breakdown of charges I have also sent the copy of the agreement to this company. Financial Agreement Solutions They check the document to establish if it is legal. They say almost 80% of credit agreements have some legal flaw in them. Maybe not enough to cancel the agreement but enough to use as a barganing chip.

yes thank you very much i wasn't aware of a statute of limitations.i have been able to download a sample letter to use.i will be using this to further pee off the pond **** known as robinson way.

Robinson Way Hello, I recieved a letter Headed Notice of legal Proceedings ( under this heading it said this is not a court document) from someone I hadn't heard from before.They claimed to now be agents for the collection of an old co-operative bank credit card bill. I was curious so I sent them a letter asking for a copy of the origanal agreement and a breakdown of the charges that had been added to it.I gave them 21 working days to comply and included a £1 postal order to cover the cost as per the CCA stipulation. They ignored my request and deducted the £1 off the outstanding balance..with a stern warning that at this late stage they could not accept anything as small as this amount.There was no mention of why they had not sent me a copy of the original agreement. My request to them had been sent by recorded delivery on the 21st February 2007 to date as I write this, 14th march 2007, they have yet to take any action. My question is.Did I do wrong by asking them for what I did ? what would be my next step.? The amount involved is £789. It may have origanated over 5yrs ago, I am vague because unfortunately for a number of years I was recovering from a Nervous breakdown...the breakdown was bad enough to cause me to attempt suicide ...so to say the least my mind was not focused on daily matters. I am sorry if this note has gone into irrelavant areas It's my first post.

Robinson Way Hello, I recieved a letter Headed Notice of legal Proceedings ( under this heading it said this is not a court document) from someone I hadn't heard from before.They claimed to now be agents for the collection of an old co-operative bank credit card bill. I was curious so I sent them a letter asking for a copy of the origanal agreement and a breakdown of the charges that had been added to it.I gave them 21 working days to comply and included a £1 postal order to cover the cost as per the CCA stipulation. They ignored my request and deducted the £1 off the outstanding balance..with a stern warning that at this late stage they could not accept anything as small as this amount.There was no mention of why they had not sent me a copy of the original agreement. My request to them had been sent by recorded delivery on the 21st February 2007 to date as I write this, 14th march 2007, they have yet to take any action. My question is.Did I do wrong by asking them for what I did ? what would be my next step.? The amount involved is £789. It may have origanated over 5yrs ago, I am vague because unfortunately for a number of years I was recovering from a Nervous breakdown...the breakdown was bad enough to cause me to attempt suicide ...so to say the least my mind was not focused on daily matters. I am sorry if this note has gone into irrelavant areas It's my first post.