I am waiting for the letters back as i am sending prove it letters to 2 dca's, after that a cca request,,depends what they come back with..

Yup, cancel the payments with the dca's she is paying, and then send them a cca letter..see what they say..as for the ccj, not too sure on where she stands on this as \i have one on my credit file and am looking into it..let you more wehn i get some info...

I am not sure about the cca as I don't think it is applicable to mobile phone companies...not 100% sure though, someone else may be on to offer more advice on the specifics. I would send a prove it letter to hfo and see what happens, then if a cca is valid then send one off to them..sorry cant be of more help.

well, i am sure the circus muppets agency will get the message and send more letters! I enjoy it, who doesnt?..lol..i even started speaking in welsh and they hang up..great isnt it?..tidy.....lol

hi, here is a sample letter i put together earlier using various templates.. Dear Sir/Madam Account no: 007bondjameshbond You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that I have no knowledge of any such debt being owed to your company. I am 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 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 would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question. I 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. Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Ever shed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. I look forward to your reply. Yours faithfully me hope this is ok to send as it is being posted to 2 dca's tomorrow morning...

Ah, you assume a logical and common sense approach and above all, a legal approach to these matters, c'mon, they are dca's..lol...made to make our life as unbearable as possible in the glimmer of hope they get a commission in forcing you to pay a debt off which, 1,may not even be enforceable, and 2. illegal for them to pursue a debt which is under dispute. I have read these forums and now have gained knowledge and legal terminology to drive them up the wall, printer has been flat out! Drafted a copy of the initial letter today with an amalgametion of the doorstep calls as well. Now fighting dca's on behalf of o/h..if that makes sense..lol

I personally have just started sending prove it letters first of all, posting tomorrow, then if I get replies, they will get the cca letter thrown at them..definitely do not speak to them on the telephone either. I do have a script ready just in case the odd one gets through..i just refuse to go through the security checks and inform the eedjeets that the call is being recorded..then get the whole speel from them..its quite fun when you know how to play the game!!

Hi all, just used the cca template letter and the doorstep letter for lowells, for a lloyds bank account...see what they come up with on that one and also one to scott all for british gas...12 + 2 starting tomorrow! Thanks for the great advice on the forums, even considering starting a law degree now!

Would i be right in assuming this so called debt is unenforceable?

Hi babybear, a doorstep letter is needed as i was going to post it with the cca request on monday. Shall I send them your letter first and wait, see what rubbish they come up with first?..I feel i have gained a lot of knowledge from this forum and now am ready to fight the good fight!!

First off, they shouldnt have called you in unanounced as you have a right to be accompanied by a colleague or trade union rep. I suggest you join a suitable union or buy a voice recorder and record all meetings..i now do this at my place of work and things have cooled off, i am however, looking for alternative employers..the main part of my stress has to be due to a so called work colleague telling my ,line manager i was leaving 30 mins early on fridays, 4pm, instead of 4-30pm to collect my daughter. I put it to the management, if i was female, nothing would have been said..i then tended my notice and i was called in by a director for a chat, i called union rep and itwas sorted out. On friday, i found out the colleague has got a new job!¬! He called me and let me know as both went for the same position...i am now looking forward to a stress free few weeks and may even apply for is job! if i dont get it as i am the only one qualified, i will be off...

mine isnt even worth looking at for a few years!

wow! read all that and its amazing! We too are being pursued for a debt of £800 in our old property. So have started enquiries today with a cca...see what they reply..but, just to let you know the letter we had from the dca didnt have our correct names on it, can i plead ignorance that no one at the address lives here by that name as it is not us?..

ok thanks for that, i am going to send the doorstep letter though..learnt so much from this forum.

Hi all, dealing with lowell, had a letter out of the blue regarding a b gas bill on a previous address. My q is what right have they got to track us down and can i cca them about this account as they r threatening doorstep calls. Also in the cca request is going to be a letter regrading doorstep calling. Should shut them up for a bit!

Ah yes, the ol dogsie story, i have 2 labs at home, if any company invents an indestructable item, for a fee, i can test it for them! Well, not me bu Bella and Bailey will, tins, boxes, schoolbags, the post, even, broke into a case of stella and drank the beer! Update on n245, oh just called, the warrant was suspended and am sending off cca letters tomorrow to see what they can show us...could prove mighty intersting...

I believe it was for a loan..

Hi all, we have only this morning received this form. My oh is unsure as to how to fill it in I spoke to the dca last night on oh behalf, asked if the have a valid cca, they said yes on the phone. oh has to go to the court tomorrow to hand this form in. She was asked to pay min of £50 a month to clear this debt off even she was paying £120 a month for 18months and the balance is still £7000! (ish) would you recomend me with oh consent asking for the cca? If they cannot prove the debt what happens next as they have put us through a great deal of stress including phone calls every evening. (Cbt) plus applying for charging order when i own half of the property as we have a joint mortgage.. .I do not want a charging order although the land registry shows it went through last year? Can I ask for it to be removed?... had enough of dca's so now playing hardball with all of them... spoilt our bank hol wkend with letters and calls. Anyone have any ideas?

Hi schrodinger, I wouldn't even give them the satisfaction of calling them. As others have stated, the harrassing calls will begin. If I get harrassed on my mobile, i just change sim cards. One email to all friends and family and its sorted. I have learnt so many things from the forums and have actually had a dca hang up on me..which was a weird feeling..lol

The charge order is for £7600, oh thinks it is great thinking finance. I am at work tomorrow so oh if scared that baliffs will turn up.. sorry, forgot, oh did try to set up payment plan in 07 but rw said no, interim charging order was put on house as it is on record with the land registry.. cant understand what is going on as it thought the debt would be paid off if and when we sell our house (although it is jointly owned my oh and myself).. oh has spoken to robinson legal dept, and according to the call oh made last year, the solicitors said the order had been put through and it was final.. .very confusing.

Ok, thanks, the oh wants to call robinson's legal dept tomorrow.. can we offer a payment to the court as a token until we receive the full documentation? Have robinson done anything illegal? would love to get them in court if they have!

hi ukaviator, thanks for the advice, it is robinson my fiance needs to call?..or the court, we had an interim charging order placed in feb 07, the 2 letters of charging orders were the same, case numbers and the numbers were the same, the last charging order we had was a few weeks ago i called robinson as i thought they couldnt pursue this as it had already been to court. if the court date is on the 30th how do i get the cpr 18 request and what is it? My fiance will call robinson as she is a teacher and is afraid of any repercussions of this to her boss. Robinson i feel are acting way above their means, she is gullible and will pay them money she cant afford. Robinson say we have to call their legal dept.. just to mention I had a dca hang up on me as i refused to give out personal details on a call to our house (witheld number) i stated that you wish me to give out details which are personal and in breach of data protection, ..dont know who it was as they refused to give me their name when i mentioned the call was being recorded.. Anyone?

Hi, this morning we recieved a letter from the court saying that baliffs were coming round on the 24th of this month to remove goods. The interim charging order was placed in february 2007. Robinson way are dealing with this. We have tried to call them but to no avail. .the court date is on the 30th may. I am joint property owner with my fiancé. it is her debt. Where do we stand and how can we deal with this as the communication from robinson has been lacking... We have no idea who the debt is from, charges on the account etc... we were going to have a ncie weekend, however, the rows have started and we both have had enough of robinson way... all other debts are being paid via payment plans. .just robinson are being idiots. I feel they have abused the legal system. Any advice greatly appreciated, I was going to cca them...

Hi, please please help.... Last year we had a warrant of execution with an order made onto our property. We assumed this had been added on to the house as we had the land registry forms. Yesterday, we had an interim charging order with another warrant for the same case, even though we (assume) thought the charging order had been put on... This is for my fiance, although we jointly own the house, I do not want a charging order placed on the property as she has cleared most of her debt but mine have suffered because of this. What can we do to stop Robinson carry out this, we called last night and a geek on the phone said it was nothing too worry about and to call back again as he wasnt qualified to talk about this!!! I did tell my other half NOT TO SPEAK TO THEM ON THE PHONE, only in writing, we have as of now, 14 days to respond...how do we do this?... as i have a financial interest in the house also, i do not want this..I am really really annoyed at my fiance for ignoring this matter..... so much so she called me at lunchtime and we had an argument.... Please help as I need good advice, do i cca or S.A.R - (Subject Access Request) robinson?? Thanks for any help

any one? we have had more phone calls saying £120 a month isnt enough!!