Hi, I would advice you to ignore these bunch of COWBOYS. They also sent me a copy of their template letter back in nov 2007 which I threw in the bin. (recyling bin of course). Since then this debt (satatue`s barred) has been passed to 5 other DCA`S all using the same tactic`s. DO NOT acknowledge this DEBT otherwise you will start the ball rolling all over again, if you have not heard from anyone regarding any of your debts for 6yrs or more then their is nothing they can do. The DCA`S will keep writing to you and when they have no success they will then sell the debt onto another DCA, hence my 5 DCA`S. The reason they keep trying is they have paid peanuts for the debt in the hope that they will get someone who does not know they can not in force the debt to be paid and will end up paying them. Not 1 of the 5 DCA`s has taken me to court or sent balliff`s to my door for the money because they know what I already know they can`t do sweet FA. Also take a look at the Debt Forum on this site where you will find lots of help, advice and information about DCA`S and how to deal with them. Good Luck and DO NOT let them SCARE you into PAYING.........!

:pHi Legalpickle, Thanks for the advice. I will send the letter for S.A.R by special delivery tomorrow to CU. I think your right that I should have my day in court with these COWBOYS. I will send them a letter as you advice and await my court papers. I am a consumer not a business and I think the way the CU have acted is a little out of order, they have had my money plus more. I will definately not be giving my book to anyone other than a solicitior. I will sit back and await my S.A.R from the CU and my next letter form the DC. Many Thanks and I will update as soon as I hear back from them. x

Hi, I am so not going to let this DCA get away with `BULLY BOY TACTIC`S`. I will be reporting them to the OFT and send them a letter reminding them that they are not complying with the law. Lets see how they deal with somebody who is not going to be beaten and they will not be getting a penny from me. I have just done a letter to the CU asking for a S.A.R under the Data Proctection Act 1998, which I did not sign I only printed my name. I will now write another letter with your advice and post that with it. I will send them tomorrow by recorded delivery so they can not say they did not receive them. I still have my savings book with all my payments for my shares and loan recorded so I do have prove. So glad I kept this! Many Thanks x

Hi, I have called the Financial Ombudsman Service this morning to see if the Credit Union is Registered with them and they told me that they are. I also asked if the CU was covered by the Credit Consumer Act 1974 and they told me that they was not covered by this but they was accountable to them, so does anybody know what the difference is between the two. Also they advised me to try and resolve the matter with the CU and if I was unable to do this then I should get back in touch with them. The Phone Number for the F.O.S is 0207-964-0500 or 0845-080-1800 for anybody that may need it. Always handy to have you never know when you might need it. Kind Regards All.

:razz:Hi, Thanks for the advice and I will do that asp. I think you are right about this DCA using bully tatic`s has I have also received 2 letters from them addressed to the Occupier asking to call a number which I did. I did not speak I just called the number cause I suspected the letter was from the DCA. It was headed National Mail Forwarding service and it said that it had tried to make a delivery to my address and could I call 0170 7852 173 to speak to a S****** G******* quoting my postcode address to enable them to my alternative delivery arrangements. Added was that please note this letter is addressed to the Occupier for my own personal confidentiality and sercurity ensuring safe delivery is made to the correct address. If you do not contact us within 5 days items maybe returned to the sender. I have also had a look at all the letters this company has sent me and the signiture for the Legal Administrator John Bryant do not look like they belong to the same person. I am not going to let this DCA BULLY me I will fight them all the way. Thanks for all your help X

Hi, I`m not sure if the Credit Union provide loans under the CCA 1974, but I will look into this. I don`t think the debt has been brought by the DCA from the Credit Union has I received a letter from the DCA about 2 months ago not sure of date has no date on the DCA letter telling me that they are in the process of obtaining a judgement against me for a unpaid debt totalling £501.26 to be inforced by our clinet ***** ******* Credit Union. It then goes on to say they will be sending Baliff`s to my address once this has been awarded. I did receive a letter from the CU in Dec 07 to say they would pass my debt onto a DCA if I did not make payment. Should I request the CU to tell me this information if the debt has been sold or if they have sold the debt when I S.A.R them? I am unable to scan/photo the letter to you has I don`t have my printer set up at the moment only brought one at the weekend and need to buy some leads and set it up. sorry.I`m not great with a computer still learning. The Solicitors firm name says John Bryant so I would have thought that was the NAME? I will try again and there is no stamp on the papers and no claim no or court name. I am very wary of this DCA........... I will deal with Credit Union frist. Many Many Thanks x

Hi Guys, Thanks for getting back to me so quick. I have not received the Court Papers yet the Letter is a ATTENDANCE LETTER with the details I stated in my Post. I have a few questions, 1, Do I await my Court Papers then send off my letters. 2, Or do I just send the DCA a CCA to request the Credit Agreement and send a S.A.R to the Credit Union now why I am awaitingmy Court papers. Also I did a google search on the solicitor`s office JOHN BRYANT and could not find anything, which I find a bit worrying. I can`t remember if I ever signed a Loan Agreement with the Credit Union it was so long ago now. Many Many Thanks x

Hi All, Please can anyone advise me on how I should deal with a Debt Agency called Advanced Collections Sysyems who have written to tell me they have been Instructed to process a claim against me through the County Court. They say that the court documents will be delivered to my home address or workplace in due course by a process server (copy attached). To avoid unnecessary expense, please contact the writer to arrange a conveinent time to accept service. Your failure to respond will not delay action and proceedings will commence without further reference to you. Yours sincerely John Bryant LEGAL ADMINISTRATOR. The Attached Copy is a Claim Form that has the claimant details, the Defendents details, Brief details of claim which just has unpaid account. In the right hand corner there is In the County Court, but no court name. Claim No, but no Claim No and issue date 8 Aug 2008. At the bottom it has Vaue. Invoice total = £501.26. The Claiment claims interest under the Late Payment of Commercial Debts (Interest) Act 1998 at the rate of 13.5% from 17/04/08 to 08/08/08 in the sum of £20.95 and continuing at the same rate up to the date of judgement or earlier payment at the daily rate of £0.1854. It then shows the amount claimed £522.21, court fee £45.00 Total amount £567.21. The next page has a question `Does, or will, your claim include any issues under the Human Rights Act 1998? a box for yes or No but no tick in either. Particulars of Claim (attached)(to follow) BLANK. At the bottom of the page it is signed by John Bryant. Name of claiments solicitors firm John Bryant. Position or office held Legal Administrator. It Then has Claiment or claiments solicitors address to which documents or payments should be sent if different from overleaf including (if appropriate) details of DX, fax or e-mail. It the has an address, ACS LTD PO BOX 170 POTTERS BAR HERTS EN6 1ZJ. I had a loan for £400 from my Credit Union in Dec 2004. I repaid this loan up till Nov 2005, but then failed to make any more payments so it left a balance of £194.65. However I had £370.25 in my savings account with them and thought that has they had my savings money they would just take this to clear my outstanding loan payments. They have since taken all my savings to clear this loan, but in Jan 2008 this debt was passed on to the above Debt Company ACS. ACS have been sending me letters about this debt but I have ignored them due to the fact that the Credit Union have had my money form my savings and I was not informed by the Credit union that they had done this. Also they did not do this until this year so I ask myslef the question why then could they not do this in the beginning rather than leave it all these years then send my details on to a Debt Agency. I would like some advice on how I should deal with this matter has it seems like they are taking me to court just for the interest on this account. Any Advice PLEASE. Kind regards.

Just wanted to say that I work out in the community working 1 to 1 with a midwife. We visit women ante-natal and post-natal with baby and we do not report to social services mum`s who have debt`s or have not been able to affroad or buy all that is needed for a new baby. If anything we would do all that we can to help mum and baby with obtaining benefits, grants etc, and alot of the time we go out of our way to help mum and baby which goes beyond our call of duty so please don`t think that when a midwife calls to see you that they will be snooping to see what you do and don`t have for your baby. Good Luck with your new baby and all the best in sorting out your debts just don`t bury your head in the sand and hope that they will go away deal with them now. MagicMe:p

Hi guys, I need some advice. I had a loan with a credit union back in 2004 for £400 and had £194.65 left to pay. I also had savings of £370.25 with them. I still owe them for the outstanding loan but has i did`nt hear from them when i missed my payments i just assumed that they had kept my savings to repay my outstanding loan. However i have now received 2 letters from a company called Advanced Collection Systems. The first letter was demanding payment for the sum of £501.26 to be paid within 7 days. The second letter is as follows, Dear Mrs ..... 50% As this matter remains unsolved, a claim form has now been perpared for issue by the court. The claim is for the original sum of £501.26 plus legal costs of £140 and interest calculated at 8% per annuam, (pursuant to Section 69 of the County Court Act 1984). Only immediate payment to our offices will prevent issue of this claim. I need some advice on how i should deal with this as i am willing to pay back the outstanding debt on my loan has i don`t want a CCJ but i also don`t see why i should pay back more than double the original debt as the credit union have not made any contact with me in over 3 years and they still have my savings. Also i don`t remember if i signed a credit agreement. Any Advice PLEASE ASAP.

Hi Guys, I have a membership with credit expert so i can keep track of what`s happening with my credit file. I have a good credit history and my credit score was 862 out of a 1000. I wanted to apply for a loan for £3000 and wanted to see what the best deal was i could get so credit expert has a link at the bottom of the page where you fill in your details if you are looking for a loan and they will contact you. They contacted me the next day by phone and promised me they would be able to search the market to see what was the cheapest loan rate they could get me. I thought ok no prob`s saves me all the hassle and waited to hear back. I got a call back about a week later saying they had found a company that was willing to loan me the money and put me straight through to them. I`d never heard of Welcome Finance but this was the company i was now speaking too. She took all my details then started reeling of all the extra insurance`s and cover for the loan. I explained that i did`nt really want any of these and she informed me that i could cancel them at anytime if i wanted to. To get rid of her i told her i had to be at work and i was running late and that if she could just put all the paperwork in the post i would have a look at it once i had it and then contact them back. The paperwork arrived 2 days later with my offer of my loan and i was shocked to find the APR RATE @ 42.88% PLUS with all the payment charges etc added to my loan i would have to repay them back £4,080.97 over 2yrs with an acceptance charge of £75.00. I thought if that`s the best deal credit expert can find me forget it, but Welcome Finance did`nt want to forget me and for the next 2 weeks they kept ringing and texting my mobile which i did`nt answer. I HAVE SINCE GOT A LOAN @14.9 APR WITH NO SELLING OF COVER BEING SOLD TO ME SO A WORD OF WARNING TO ALL YOU WOULD BE BETTER TO SEARCH FOR YOUR OWN BEST DEAL AND NOT DEAL WITH THIS COMPANY NO MATTER WHAT.