As far as i'm aware no debt agency pays more than 10% for a debt!! Tigs x

Hiya folks been reading this with interest as this has all happened to me with Crapitol One account with Lowell Financial. Had every exact letter that the OP has had,but my CCA landed here a month late,after receiving a letter from Lowells saying the original creditor couldn't find the agreement,just like OP. I have had the same response asking me to pay by debit or credit card over the phone, yeah right! I will be sending a response and see what happens, good luck to the OP and i will read your up dates as and when you post them,my thread is entitled Crapola One and CCA,iffy !!! hugs Tigs x

I thought along the same lines to be honest, i couldn't believe it when i opened it and found two sheets of paper and the terms and conditions APR etc is on the second sheet!!!!!! no siggy on that sheet no date nothing,so how can i be bound by it's terms and conditions?!!! lmao I will have much fun and a BIG grin on my face when i send this to Lowells as they are the go between in all of this, lol and the customer services woman, didn't even know her Consumer Credit Act, she said they had a further 30 days to furnish me with it!! Many many thanks Cerberus and i shall send this forthwith on Monday morning, recorded delivery, and i shall await the response!!! Thanks again for the clarification and i hope it's ok to keep the template and pass along to others in the same situ? ( although i have directed some folk to this great site! ) hugs Tigs x

http://tinypic.com/view.php?pic=2cxaxk&s=5 Try this? many thnx !!! Tigs x

Try this!! Tigs x

Hi folks, just had my Crapitol One agreement sent to me after a month and a half of waiting and a subsequest snotty letter from Lowells asking for payment ,,yup ok!!! Debt is only £300, my point is this, ok they found an agreement, signed in previous name in Jan 2003, can't statute barr it cos i made token payments last year on the account, that was before i found this site and leaned a heck of a lot!! paid £12 in the space of a year. Now i really just want clarification really, the terms and conditions and % rates etc are on a seperate page entirely to the signature page. My signature is also in a seperate box,within a box that only tells you about the Credit Agreement regulated by the consumer credit act 1974. I tried to put it on photo bucket but it won't go!! lol :? so had to explain it instead!! Am i correct in thinking that i can fire a letter back saying that the signature does not pertain to the credit offered as that is explained on an entirely seperate piece of paper therefore in law it is not applicable to that agreement, or words to that effect. Sorry if the attachment is too big!!! Any ideas /clarification of how to word the response and naff them off? any suggestions/questions will be gratefully received and answered!! Many thanks all Tigs x

LLMAO he's had a rough day of it, thankyou for all of your help, much appreciated and at least we can start now on the battle with them as concerns the loan,many thanks for putting his and my mind at rest a little Tigs x

Sorry bad day here but i take it you meant that i could put my wages into her account and that would be ok?!!! Cheers Mo

Many, many thanks so much for your help, really appreciate it, Mo

Thanks for the reply, i only have one CCJ against me so i am unsure as to why i am being refused!!! However, could i remove my name from the first reserve that the mrs is on,and btw it's her maiden name, this is going to sound confusing, because her married and maiden names are the same, and i swear we weren't related before we married!!!( we both had same surname) so technically the bank doesn't know were married, if you get me? that way her money remains safe, thus could i then get wages paid into that and draw on her card? gawd, i'm confusing meself now!! lol but hope you get my drift? or would the bank catch on and arrest that account too? even though it would be in her name? Many thanks Mo

Hi loan isn't in joint names and was taken out before we were married,we married this year! So if i could remove my name from the joint account would that leave her money safe each fortnight? Also i have rung around a few banks today and because i had my house re-possessed last year they won't even let me have a basic account to have my wages paid into!!!!! is this correct because i was informed by an ex bank employee that even a banckrupt has the right to a basic account!! Many thanks for any info Mo.

Right ok cheers for the response!! i think i will have to close all accounts and take my money out, btw, can i remove my name from the joint account and leave the wifes name on ? would they touch her money as it's her incapacity money that goes into this nothing else? many thanks Mo

Hi folks just Tigers hubby here with a quickie question, took out an unsecured Natwest loan in 2007, due to increased financial problems tried to reason with Natwest on several occassions about reducing loan payments all to no avail. Went in last month and cancelled the DD for the loan on Advantage Gold account,also have a cash ISA account with them,a joint First Reserve account which my wife uses only. Now question is i cca'd them and have had no response, instead they have re-instated the DD on the loan and i am left with nothing to live on for 2 weeks until next pay day!! Can they do this? could they also go to my other accounts for the money if i were to close down the Advantage Gold account as i have already said, it's my wife only who uses the First Reserve, none of my money goes into that. They haven't dealt with the loan account correctly anyway and i have been asking for help with it for over 6 months as i increasingly could not afford the re payments any longer,i am just worried that they will now go to any of the other accounts and empty them even though theres little in them!!! Any advice would be appreciated as to what to do, many thanks Mo

I beleive i did have the account pre 05, i am off to check the alleged "copy" lol, they sent me, updated it should have said more like!!! cheers everybody! Tigs x

Have had a look through that thread and boy oh boy, am gonna do it!!! excellent stuff in there and i know that they will send me zip because it doesn't exist, so therefore should stop them threatening me further, correct? Tigs xx

Ahh cheers Lickthewall !!! tigs x

Thanks Mr Ton , am doing !!!! Tigs xx

Ok, whats CPR? sorry for appearing thick!!! Tigs x

Hi folks, sorry not to post this on my previous thread but i can't find it after sifting through 35 pages so i have posted it seperately. Cutting a long story short, i have had a battle with Unrelaible Collections for well over 18 months and have done the obligatory CCA request, upon which i was sent a NEW one with my details, incorrectly, written in!! so did an account in dispute,harrassment letter for telephone calls etc. Had some great advice and template letters that Caggers have submitted ,i thank you all, but this latest response is a peach so i thought i would let you all have a read.Still got issues with Photobucket so i will just type it here so forgive long read! ( it's basically blackmailing me!! ) Dear Ms B, ACC no: .... "We have complied with our obligations to supply you with a " True Copy" of your credit agreement ( oh really?! news to me and note they don't say " signed"? !). A "True Copy" is defined by regulation 3 of the CCAct ( cancellation notices and copies of documents ) regulations 1983". Goes on to say they don't need to provide a signed copy so no default on their part!! "The name and address were inserted by our Regulations.This is NOT fraud ( really? ) We have not claimed that the document sent to you is the original agreement ( lol, admittance there then ) It is a "True Copy" sheeshh yeah right!! We have already acknowledged your s.10 notice, please refer to our letter dated 3rd March 2009". ( this is the best paragraph )............................................. "If it is your intention not to make any further payments to the account and in the abscence of any dispute under the elements that make up the balance of your account, as a result of orders placed and received by you, ( can you prove that?) we consider your assertion that you have no legal liability for payment to be based purely on the allegation that the relevant credit agreement has not been signed. On that basis, we can confirm that the collection activity would cease, however, we would like to make it absolutely clear to you that should you take that decision ( here comes the blackmail bit ) not to make any further payments to clear your account, your non payment will be reported to the relevant credit reference agency who record this fact for a period of 6 years. Given the seriousness of your non payment please confirm your intentions with regard to furture payment to this account". Aint that a peach folks?!!!!! So any takers for a lovely response?!! feel free to pst a suitable letter that i can send back Hope this brightens a dull wet day for all !!!!! Many thanks Tigs xx

I've often thought about this dilemma and i agree with mothsinmywallet, although the DCA's can argue that if you have paid any money off the account this is in their eyes an admission of the debt, i see it as MIMW does and if you have received threats then surely it would make you pay up. If they haven't supplied you with a true signed copy of the orignal CCA then why not refund money that you have paid against the account? because if it's not enforceable then surely you have a moralistic argument of ignorance whilst under duress until they became non compliant,if you get my meaning? Will be interested to see the outcome of your request MIMW!! Tigs x

Good luck, i have £6,500 in charges to reclaim plus i can reclaim on hardship grounds as i'm long term sick and they took charges from my sick pay then benefits which under the social security act they can't do, but so far they have ignored my request!!!! I got a firm in Manchester onto it and they just kept saying they couldn't push because of the court ruling, sheesh!!! Tigs x

Initial heading is meant to say TSB doh!!! So any takers for this one? pretty please? Tigs x

Lol Sam, i detest Unreliable collections, Crapitol One,Slowells ( as i've nicknamed 'em ) Last Credit,lol,Robbers Way, ooohh i have had to deal with 'em all,most unfortunately Tigs x

Cheers Berrylover Tigs x

Trouble is i know there isn't one and the deadline on the original request is up, so is the," account in dispute, you have failed to send me my CCA as requested in the obligatory time", letter sufficient and i just wait? sorry just want to clarify they do try it on don't they? Thankyou Tigs x