Hi PGH! Cut & Paste I'm afraid! PV

Edit this to suit. DO NOT SIGN IT Send by recorded delivery: I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY Dear Sir/Madam Account no: You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves. I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name). I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question. I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. I/we look forward to your reply. Yours faithfully PV

Hi, Yes it is that Britannia, although the first people to chase us was Blair Oliver & Scott, HBOS's in house monkeys I believe? We sent the PPI complaint to this address: Britannia Building Society PO Box 607 Trinity Road Halifax HX1 2UJ as we have had correspondence from Britannia with this address. Now, having looked back through the file again, we have a letter from Britannia Personal Lending City House, City Road, Chester CH88 3AN and also: PO Box 140 Normanton WF6 1YA How many offices do these people need? LOL. I'm sure you're right that Wescot won't want a messy PPI case hanging about so HBOS will have to deal with it. Let's see what Britannia/HBOS come back with. As I say we have CCAs from them for 2 loans and they look enforceable. We're challenging PPI+Charges on both. I can post up the CCAs if it would help? Many thanks as ever, PV:-)

Your welcome Thanks for helping us with this. PV

Hi Paintball, The originaL loan was with Britannia Building Society, part of HBOS now. Robinson Way claimed it was a "Chester Loan" and, somewhere along the line, it was claimed to belong to "Capital Bank". Britannia was the OC though. Many thanks, PV

Hi aa, We have a copy of the CCA which we received some time ago and, according to several "expert" opinions in the Debt Forum, it appears to be enforcable. This is why we went down the unfair charges route. At least the account is suspended and no threat of court action for the time being! Just been looking through our file and this account has been passed between Blair Oliver & Scott, Moorcroft, iQor, Incasso, Robinson Way & Co. and finally Westcot! It's now finally back to the OC to dispute the PPI & charges. Thanks aa, We'll keep you updated. PV

Morning everyone, Just an update: Following our letter to Nelson Guest & Partners which stated that we were challening the OC re PPI & Charges, we received this letter from Wescot: We now await the OC's response (which could take some considerable time I presume?). Thanks for all the help so far, We'll keep you posted. PV

Emailed the excellent letter in post#156 to my local MP. PV

Petition signed. PV

Hi, Welcome aboard! Can you say what the debt is allegedly for, is it a loan, credit card etc? How old is the debt and howl long has this DCA been on your case? NEVER EVER SPEAK TO THEM ON THE PHONE!!! Post up a little more info and I'm sure you'll soon get help. PV

It's a strange combination isn't it: security shutters and debt collection? What's going on? It's a whole new take on "Everest, Fit The Best"! LOL Anyone else had experience of these people? PV

Oops! HAS, you're right! (crawls away in embarassment.....) PV

Letter located here (edit to suit): Creditors and DCAs - Consumer Wiki Type across the top of the letter: "I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY" Send by recorded mail. PV

Hi, Welcome to CAG! You'll gets loads of support and advice here. You should send a request for the Consumer Credit Agreements (CCAs) for the debts you wish to clarify/challenge. Send a £1 postal order and DO NOT SIGN THE LETTER. NEVER EVER SPEAK TO THESE "PEOPLE" ON THE PHONE! I'll post up the CCA request letter for you shortly. GOOD LUCK!!! PV

No fees, it's free! That's one of the questions I asked too! Chill out. You'll WIN! PV

Hi, I actually remember getting a door step visit from Clarity last April, I told him to go forth and multiply and he said "I need to talk to you about a little debt". I repeated that he should bog off! Anyway, I just remembered this incident and so I Googled them and found this: Clarity is future of Debt Collection - Internal Roller Shutter Door Now, do they collect debts whilst fitting security doors and windows, or do they fit your windows and suss out if you have debts and then come back with the keys? Wonder if they have a licence? Hmmmm..... PV

Hi Berry! Keep up the great work! PV

You're most welcome! Keep us posted and shout whenever you need some more help or support. PV

Fingers crossed then! Where would we be without CAG? Doesn't bear thinking about! Thanks PV x

I had the same situation as yourself and, with the invaluable help and support of the wonderful people on this site, I WON! Take a look at my thread here: http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/134225-advice-please-sd-received.html#post1415695 Good Luck!

Hi, You can download the forms from here: Statutory Demand in PDF format. The links are near the bottom of the page. Hope this helps PV

Thanks GM, Let's hope we don't have to make them disclose everything... and they back off before it goes to court. Do you think the deafening silence from Crapot is because they're keeping their cards close to their chest or because they don't have anything? Unanswerable question, sorry... just worried. I really appreciate your help... you were the 1st person ever to reply to me on CAG... and you're still here PV x

Well Done! Good to see Lowells get hit again... They really are LOSERS!!! PV

Hmmm...very intruiging GM... Do you mean proof of payment or CCA or both? You got me thinking now... Could you possibly PM me with more info? Thanks (as ever) PV

Hi GM, LOL. You're right, it's almost 7 years late! It almost appears like they're backtracking and attempting to cobble a case together...but, hang on a minute, where's the proof of the "payment" I allegedly made in 2004 and, oh yeah, where's my CCA? I've asked for both of the above at least 3 weeks ago! Never mind Crapot, I will sit it out until you have the common decency to communicate with me and divulge your intentions in this matter. PV