Hi Jeffo, Ok - Ok so I said within 24 hours for some help. The cavalry arrive in less than two!! Best of luck to you and your wife. I'll keep an eye on your post to see how you get on. Cheers Paul

Hi Jefo, As stated earlier please dont worry. Thats the game these companies play they get you scared because they guess you dont know. A bump means like ditto or anyone read this yet? A "mod" is a moderator (they are a team ) who oversee the site and have site helpers and access to people in the know if they themselves don't know. I recon within 24 hours or so you will have some seriously invaluable help. Cheers Paul

Hi There, Firstly, welcome and dont panic!! You need to click on the link below to grasp some further information. I can't help you with much more as I havent had any experience with this type of letter but I am sure someone will be along soon to offer you further advice. Cheers Paul http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/112326-debt-collection-agencies-statutory.html

Hi Loopyloo, Just sit tight and wait. In the meantime, get on with your every day life. The ball is in their court now. Cheers Pj41

Hi There, My first thought to what your solicitor has advised is "what?". A properly formatted CCA request is a formal request for a true copy of an alleged agreement, no matter where you are in a court process. No agreement - complete defence. I hope that someone else will be along to confirm what I say or put me in my place!! Cheers Pj41 my other thought is after 6 weeks of not sending you the documentation fill in a defence stating that fact. Link are in default and have commited an offence (assuming your request was properly formatted and you sent the fee - £1). There is loads of info in here keep reading

Hi Ro, Thanks for that. Cheers pj41

Hi ro55, Spookily exacly the same!! I initially thought you had been sent my information, but Margaret Maclean has signed mine M Maclean dated 26th July 2007. Ok so we now wait 12 + 2 +30 and inform Trading Standards if they harrass me (us) for money? Thanks for your info'. Cheers pj41

Hi ODC, Well done. I'd be interested to learn what you put on your POC as I now want (obviously) to get these "balances" written off. Cheers Pj

The Tour de finance?

Hi Priority, It sure is!!!!!!!!!!!!!

Hi Phantom, Fair play to you, that's exactly as I've turned my life around over the last 12-18 months its just a game !!! If Morgan Stanley don't play ball another £4900 gets forgotten about. cheers Pj41

Hi All, After thinking this situation through I decided that the security information requested was probabally indicative of the fact that there is no agreement to be found. So I phoned them on Wednesday and the response has arrived today. No true copy agreement just a photocopy of the "key financial information" and a photo copy of their current terms and conditions the type is so small its illegible No signatures on anything, from me or anybody else. A stiff letter will be going off over the weekend to point out their default so far! Cheers pj

Exactly ODC. Getting nowt off me. Cheers Pj

Hi Nitrous, I seem to recall that each time I send these letters out I have a broken right wrist, so have to sign with my left hand.!!! Seems to work so far. I can be just as devious in my planning!! Cheers Pj41

Its not a DCA its still with Morgan Stanley, I recon they will ask Why do you want it? I'll reply -So I can stop paying you if you haven't got it!!! LOL Ask me another on sport. Cheers Pj41

I'll play their stupid game (if I have to) and phone them in the morning. Then wait for the outcome. Keep you posted. cheers pj41 ps : to keep everyone's spirits up. A bit of info : I did CCA's to the following Nat west bank £28,000 and no agreement defended Court Cliam Case discontinued.Payments stopped Moorcroft. re' Nat west bank £3900 no agreement payments stopped Capital One no reply Day 24 now Capital One (wife) no reply Day 24 now Westcot re' RBS £300 no reply day 24 HSBC (Wife) £3900 replied as if it was an SAR? Got 6 years statements but no copy agreement Day 24 The mind boggles! (Win some lose some) Cheers Pj41

Thanks for your prompt replies. I was hoping I could force them to co-operate as I'd get a Kick out of that!!!! Cheers Pj41

Hi All, A quick question. Morgan Stanley are refusing to process my CCA request for a true copy of the agreement until I complete a telephone security check or I send them my driving licence or pasport (Originals only). I wrote back basically saying sod off do as you are told and they write again saying no not until you complete our checks etc. Obviously I have given them an account number, an address and signed my letters . I wont be phoning anyone for fear of incriminating myself and will not be trusting the staff at Morgan Stanley to return my original documents . Any ideas???

Hi all, Advice needed please. My partner has just settled (last week) a CCJ approx 6 weeks old, followed within two weeks by an application for a charging order on our house. Now we have managed to pay this debt off. I want to write a stiff (sit up and take notice letter) to the creditor and request that the charging order be removed, they update her credit file (default settled?) and stop processing her data (s10 notice?) I's really appreciate some links to template letters to make these ba****ds take note. This site is so big now it takes hours and hours to find anything!! Hope you can help. Many thanks Pj

Hi, Raced home ............ thanks princess ' recon It'll take a week or so for you to get a reply to your e-mail. Checked on csa and moorcroft ARE listed as a full member. But hey ho so what, there accounts are late Previous post....are they in trouble financially? Watching with even more interest. Ps: if I get time I'll ring the OFT tomorrow. Cheers Paul

It would be great if you would ring and find out. Moorcroft have defaulted on my CCA request for a copy of the agreement they refer to when demanding money (I have amended my standing order to £nil for them from now on). My next payment is due 25th July. I'll wait for the fireworks! However, if they have no licence then thats a whole new ball game!! "Dear Moorcroft please make youre cheque refund for extorted payments payable to........." I'd be grateful if you'd let us know the answer when you call the OFT Public register people. Cheers pj ps; we are talking about Moorcroft debt recovery ltd, po box 17 2 spring gardens Stockport SK1 4AJ ??? Just to make sure

A bit more info for you Dealing with loan sharks : Directgov - Money, tax and benefits cheers pj

Just googled : Consumer credit licence OFT Apparently; The Consumer Credit Public Register is maintained by the OFT. The register documents the traders that hold a licence and any action taken against them. Enquiries can me made on 0207211 8608 Public enquires can be made on 0845 7224499 or enquires@oft.gov.uk all taken from GNN - Government News Network Oh and hard luck Laura. lol Cheers Pj Ps; who's going to phone first?

Rory - subscribing

WELL DONE KEREN!!!! pj41