You pay £4 odd for special delivery and they are supposed to guarantee delivery but for £1.04 first class post you are not guarantee delivery that is what I was told at the post office. Also today, I received a recorded deliver letter put through my door and I did not sign for it. So why do people pay this extra money to the post office when they clearly do not deliver

Why not sent the relevant section to the TS it maybe a very inexperience person at the other end of the phone.

One of the big tree CRA's was owned by Gus.

There are not solicitors as there is no mentioned of a solicitor on their letter, if there were a solicitors they would obliged by the law services to have solicitor on their letter heading. Also I note from Geoffrey Parker Bourne has only one solicitors name on his letter heading but to be in a practices you would need to have at least two people for any practice. Best of Luck

All the correspondence that I have received from DCA have no post mark on them as they seem to have a special way of getting around this therefore they can backdate letters as when it is necessary for them to do so and to pile on the pressure on individuals.:evil:

Where is the best place to find out if a postal order has been cashed.

My wife is concerned about debts that she thinks maybe outstanding she has found agreement and it states that: PERSONAL DATA I agree you may hold and process, by computer or otherwise any information about me as a consequence of the application and/or agreement “Personal Data”. I agree that you may (i) Include Personal data in Barclays Group customers systems which maybe accessed by other companies in the Barclay Group for banking and credit assessment, statistical analysis including behaviour and credit scoring and to identify products and services (including those supplied by third parties) which may be relevant to me, and (ii) With my consent, permit other companies within the Barclays Group to use Personal Data and any other information you hold about me on Barclay Group systems to bring to my attention products and services which may be of interest to me. You may disclose personal data outside the Barclay Group only: (a) for fraud prevention purposes; (b) to include reference agencies, if I am in breach of an agreement; or to the extent that I have give my consent, © under a strict code of secrecy to sub-contractors or person acting as your agents; (d) to any person who may assume your rights under this Agreement; and (e) if you have a right or duty to disclose or are permitted to compelled to do so by law. The above paragraphs (i) and (ii) do not apply to any information specific to business accounts of branches of the Channel Islands or of the Isle of Man unless such customers have informed their branch that they wish to be included in the Barclays Group customers systems. Personal Data will be deleted from the Barclays Group customers systems as soon as reasonably possibly after you cease to be a Barclays Group customer. I confirm that the information give in true and complete and authorise you to make any credit reference and other enquires in accordance with the normal procedures in connection with the application I understand that I can request not to receive details of products or services, other that with my statement, by writing to Barclays. The tick/cross in this box means that I agree that Personal Data and any other information you hold about me on the Barclay Group customer systems may be used within the Barclays Group to bring to my attention products and services my bay be of interest to me. o Signed…................... Date………………….. Could the bank sell this off without telling my wife and for her to give consent Many thanks for your help Allwood

Had chat with wifey last night and it also appears somewhare on this site that if debt collectors had all the necessary paper work they would have take their case to court long ago. Obvoulsy they do not have the paperwork so they try and scare people out of their money. It appears that my case is statue barred as on looking through some docs I found the last payment to these crooks last year so I will not be sending my £1.00. Best of luck to all Allwood

Sorry here is copy of the letter Geoffrey Parker Bourne Solicitors their addresss Dear Sir/Madam Re: Thames Credit Limited reference – 000000000 With reference to the above, I would be grateful if you would send us a copy of this credit agreement. In accordance with the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of our credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. This payment is NOT to be paid used for any other purpose. I understand that a copy of the credit agreement should be supplied within 12 working days. I also understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. I look forward to hearing from you. Yours faithfully

BB As I have receive a letter from thames credit solicitors, geoffrey Parker bourne, Stratford upon Avon, I feel that I should send this letter to them also should I sign the letter Many thanks

Hi BB should I send the letter to Buchanan Clark + well or thames credit who they say they are their clients. Do I asked for anything else. many thanks for your reply allwood

Hi I have had a loan account with Barclay Bank, for approximately 4k opened the account in May 1996, I had problems and made agreement to pay them £1.00 per month which they accepted. In October 2001 they did not send me any paying in slips to make the payment. I forgot about it until I received a letter from Thames Credit in 2004 stating that I own them the debt. I did not acknowledge their correspondence although they keep phoning me and sending my letter asking for payment. In June, I received a letter Buchanan Clark + Wells stating that Thames Credit was their clients and they were chasing the debt for them the letter headed said LEGAL NOTICE, this was in red bold caps. I got another letter on 2nd July heading VISIT BY DEBT INVESTIGATION OFFICER this was also in red bold caps letters. The letter said………you were informed in our last correspondence of impending court action, as part of that process, we advise you that authority has now been granted to proceed with a Personal visitation by a Debt Investigation Officer as you home address. If you address details are incorrect, or if there is particular time you wish the Officer to call we would ask you to contact us immediately on 0871 700 1547in red again. I also got a letter from GPB heading NOTICE OF PENDING LEGAL ACTION At the end of their letter it said please note, are instructed NOT to enter into correspondence with you at this stage but to refer to BCW Group. You can contact them on the number above or at the address on previous correspondence. What should I do now? Any help would be appreciated. Allwood.

Hi I have had a loan account with Barclay Bank, for approximately 4k opened the account in May 1996, I had problems and made agreement to pay them £1.00 per month which they accepted. In October 2001 they did not send me any paying in slips to make the payment. I forgot about it until I received a letter from Thames Credit in 2004 stating that I own them the debt. I did not acknowledge their correspondence although they keep phoning me and sending my letter asking for payment. In June, I received a letter Buchanan Clark + Wells stating that Thames Credit was their clients and they were chasing the debt for them the letter headed said LEGAL NOTICE, this was in red bold caps. I got another letter on 2nd July heading VISIT BY DEBT INVESTIGATION OFFICER this was also in red bold caps letters. The letter said………you were informed in our last correspondence of impending court action, as part of that process, we advise you that authority has now been granted to proceed with a Personal visitation by a Debt Investigation Officer as you home address. If you address details are incorrect, or if there is particular time you wish the Officer to call we would ask you to contact us immediately on 0871 700 1547 in red again. I also got a letter from GPB heading NOTICE OF PENDING LEGAL ACTION At the end of their letter it said please note, are instructed NOT to enter into correspondence with you at this stage but to refer to BCW Group. You can contact them on the number above or at the address on previous correspondence. What should I do now? Any help would be appreciated. Allwood.

In my agreement I did not tick the box where it said that they could share the info with others this was in May 1996. I have had 3 letters from DCA, Thames credit and Buchanan Clark and Well, who are acting for Thames credit, Also I have just received a letter from a single solicitros stating that I owe money to Thamse credit. How can that be if I have not given my consent for info to be passed on. Allwood