Still nothing of any use from them. Did receive a letter asking that I contact their debt counselling service to start affordable payments?! They are even going to do this for free, I just need to call them. Oh if I fail to do this then it all gets passed to their debt enforcement office.

Right, Ruthbridge's deadline has been and gone. I have received neither their complaints procedure or a copy of the CCA. What is my next step? Am I correct in assuming that in escalating a complaint to the next level, I would be expected to have exhausted the DCA's own complaints structure? Thanks for all of the advice so far guys

Have received two letters, neither of which were the CCA. First one was a 'We have a delivery for you, please call', how stupid do they think people are? Ignored this as I assume they are fishing for a phone number. Second letter was a please call us to discuss the issues raised in your correspondence. I assume that I ignore this one too and wait for the complaints procedure to arrive? I don't think they are going to make their 44 day time limit either!

So the 12+2 days has been and gone. What does this actually mean though? I guess I am now waiting on the 44 day time limit to pass? Do I continue to let the clock tick? Have heard absolutely nothing from them since the last letter. Though I am sure the deadline they set in that has not yet passed. Wonder what will be next through the door? :-|

CCA request was indeed signed for, and evidence of such duly printed off. The offer letter also threatens more bankruptcy proceedings, I assume again this is just empty threats?

Should I be concerned that they have not acknowledged the CCA request?

Still no CCA. Have had another letter though telling me that they are no longer willing to discuss this matter. However as a one off, final, very last chance they will accept £xxxxxxxx to settle this matter?! They also kindly offer to mark the debt satisfied with the CRA once they've received their loot. So what to do? Write again for the CCA or allow them enough rope to do the necessary?

Having read that some dca do illegal searches I was curious as to what constitutes such a search.

Have done a search but seem blind to the answer for the question in the title. So who can actually carry out a credit search on me legally? I assume anyone to whom I have given permission. But who else? TIA.

Received a second letter today. The without prejudice , bankrupty, we've made many attempts to contact you by phone and letter one. The one I would imagine many have received. What amuses me is the first letter gave me 7 days to respond, the letter received today has actually allowed me 6 Guess my CCA letter must have passed their second letter in the night

Wow, thankyou for all of the replies Age of the debt? I guess I will only know that once I have sent out a S.A.R. I assume this goes to the original creditor? I'm sending a letter out recorded delivery to ask exactly what the debt is for, depending on the response I will then send a request for the CCA followed by the S.A.R. Does that sound like the correct order? Thanks for all of the advice so far.

The letter is from the Ruthbridge lot on behalf of their client Cabot FEL. Thanks for the input so far.

Letter received from a DCA claiming to be retrieving money for another DCA. If not responded to they threaten a list of things. Following advice on here I haven't phoned them as instructed to do. Now I have no idea what this debt is for as they do not inform me, am I right in thinking that in the first instance I should send a letter with a S.A.R request or do I request a copy of the C.C.A? TIA