Hi folks just thought i would give you an update on the progress with a few DCA where i have sent for a copy of my CCA. Reliable Collections have sent a letter saying they have amended my account details and could i telephone them!!! yeah right as if,lol, they have realised the biggest mistake they made and have tried, in vain, to correct it, oh dear too late so letter is going in for " account in dispute" Secondly i have had an interesting letter from Scotcall namely saying they cannot source my CCA and they have closed thhe case Thirdly i have had a letter from Littelwoods today whom Fredricksons were trying to get the debt for, stating that they also cannot source my CCA but they have sent an up to date one that has all of the account bluff and bluster therefore it would relate to my original one with them! so guess whats going in the post to them? yep you guessed it,a " account in dispute letter" as well I have one question however, i also have another DCA who are handling an account for Capitol one of some £400,however the DCA is London Scottish Finance and there was a letter inside my statement of account which states " London Scottish Bank,finance,Insurance, Computer services and London Scottish broking etc are in receivership!!! now my question is this, i was in the process of sending off for my CCA with Capitol One and now i have had this letter, who are my payments going to?? should i stop paying my monthly payment to this company- receivers and where do i stand in law if i decide to stop the payments? any help would be appreciated as to how to deal with this one Thanks all Tigs x

Blimey Hillards well i wouldn't have signed the daft thing anyways as there are two bits of incorrect info on it for starters so they must think i'm daft !! muppets is all i can call these ppl, Reliable Collections,,perhaps they should give up the day job!! lol Tigs x

The original alleged debtor is Naturally Close aka JD Wilson etc etc,all under one umberella, but i know i signed beggar all, and if i did well,lol, me and thee UF know what i mean!! Yep i sent the CCA request last week and this is the clownish stuff they have come up with!! writing my details on, plus they made another error pertaining to where i live! lol just realised! Thanks again all tigs x

dpick...glad you got a result,,nice one I have a final ace but i will follow the advice given and hopefully they will leave alone, who knows? !! Tigs x

Try That lol:)

Ok UF and all this should take you to the CCA they sent me after they put my details written onto it!! thanx for all advice Tigs x http://i644.photobucket.com/albums/uu166/tigermob/ReliableCollectionsCCA.jpg

Ok Uf will try tonight lol thanks SP, good info, should i send the account in dispute letter anyways? Thankyou Tigs x

Ok UF hope you can read it !! Tigs x

UF .....quick question, whats the account in dispute letter please is there a link on here? and i haven't paid anything on this account since Feb last year( 08 ), which was the usual payments if you know what i mean?! lol ( not a repayment plan or anything ) Many thanks Tigs x

Hi UTTN i have just had a telephone call ( recorded) with Scotcall saying that i had to request my CCA from the orignal company as they had passed the alleged debt back to them!!, after a conversation with them i got the advisor admitting that they had passed it back once they got my request as they knew they could not fulfill it!!! and the advisor actually states the alleged debt has been cancelled and i asked for this in writing! Keep with it and hopefully you can either stick to the statute barred road or you may even get a result like mine! good luck! Tigs x

Hiya UF, same as the one i received so seems pretty standard rubbish written!! hope you get it sorted good luck Tigs x

am i correct that if they cannot supply me with a " signed" copy they cannot enforce the alleged debt? cheers Tigs x

Hi guys just to bring you up to speed, i can't pay the amount supposedly owed anyway, i am not in a position to do so, explained in another thread,so no money has changed hands!! Tigs x btw "he" is "she" lol

Hi guys, i thought i would bring you up to speed on the Reliable Collections-Naturally Close issue. Having been in hospital overnight i came home today to find a letter for me, i opened it and this is what i found word for word: Thankyou for your letter dated 8th Jan 09 ( news to me! ) ( goes on about when account was opened blah blah) In relation to your request for a true copy of the executed agreement under section 78 of the Consumer Credit Act 1974,under regulation 3 (2) (b) of the Consumer Credit ( cancellation notices and copies of documents) Regulations 1983 there is no requirement to provide a photocopy of the agreement bearing your signature, it is sufficient that we supply you with a " True Copy" of the agreement setting out the terms and conditions to which you have agreed. A "True Copy" need not bear the debtors signature or, in our case, the date of the agreement. We are therefore enclosing a " True Copy" of the Credit Agreement sent out to you when you opened the account in June blah blah ( i have never seen this agreement btw ) Yours sincerely Blah blah right they sent me an up to date version it appears to be, of something i have never seen before, they have hand written my details in and on the copy to be retained by me, with obviously, no signature nor date. I have a right back hander but in case of snoopers i won't reveal it here, please message me,United Front and others who have helped and i will explain this position!! Other than this, what do i do because as i understand it they have not furnished me with what i have asked for!!!!!!! Any further excellent advice would be gratefully received from you great ppl, nope not sucking up , it's a great site with great folk. Many thanks in anticipation Tigs xx

Cheers UF, a star as ever !! Will do Tigs xx

Ok guys thanks, only thing is the debt doesn't go back to 0001!!! which i presumed them to mean 2001?!! i took out the account with Look Again in around 2004/05 so gawd knows where they have this date from?! Will wait and see, thanks all Tigs xx

Thanks guys but after looking at their letter to me they are saying that if i want what i have requested then tough, go to the original creditor, so they are passing the buck by saying they no longer hold the account!! The PO is neither here nor there, thanks for that Dannyboy, as it's crossed i think i'm unable to get a refund. It's just that it's all now hanging in the air, nice one Scotcall !! Tigs xx

My thoughts exactly, seems funny that after sending the request they say they sent the debt back to the original company!! in the year 0001 what a peach! In effect though i have no request for the CCA as they returned the Postal Order, so how do i now go about getting this? or do i just ignore? Cheers guys Tigs x

Hio folks, i sent in a CCA reqyuest as per to Scotcall onthe 9th Jan, they received it next day,sent it recorded, had a letter back this morning and not too sure how to handle it so a bit of advice is needed from you kind folk please. The letter says as follows: Dear sir/madam, PLease find the enclosed cheque relating to an account we are no longer dealing with. It was returned to our client on 01/01/0001. Please contact them at the address supplied quoting their reference number............. Yours sincerely Sheena .... Correspondence Department. Ok first off, note the date they say they returned the debt!!!! the year is laughable! secondly what do i do with a PO crossed and payable to Scotcall?!!! money i can't afford to lose, clowns! secondly i sent the request because they sent me a letter dated on Friday that they were going to arrange a doorstep collection!!!! so who's telling porkies here? lol. Do i send it back and ask them to forward it to the original company or do i contact the comapny and send it myself bearing in mind the PO is now non usable as it's in Scotcalls name? Is this another get out for Scotcall do you think? Any help would be appreciated as you have helped on 2 other matters and it's really lifted my spirits to fight these buggers, especially when they don't listen and don't play fair!! Thanks folks Tigs xx

Many thanks for the responses and Scarlet Pimpernel, brilliant, although i have an update, the PO site said my request qas actually delivered yesterday so fingers crossed!! i am now counting the obligatory 12 + 2 days lets see shall we? My solicitor had a response a few days ago, to which they denied sending to him on the telephone!! ( call was recorded my end! ) in it they have told a load of lies and as i have all the proof they are sunk if they want to take it to court! My solicitor is sending one final communication on my behalf out lining their terrible behaviour and i have to send evidence of my forthcoming op and failing health, just to prove that they are aware of what is going on for the benefit of a court. I have been told to get my bro to prepare all the paperwork and get it all copied and numbered and then it's all ready just in case, he reckons i have excellent grounds in asking for it to be squashed should they choose to take matters that far! will keep you all updated as i hear anything and if it's when i'm away my bro will certainly pop on and post. Cheers guys and thankyou for all of your invaluable help, SP , i tipped your scales for you too Take care all Tigs x

Any ideas folks apart from sending my bro with my CCA request and him getting a muppet at reliable collections to sign for it?

PS guys, i have clicked all of your scales!!!!! pleasure to do so Tigs x

Bless you ScabHunter, i will certainly check that out as after my op and treatment, which will take gawd knows how long, it may be viable for me, certainly worth a look at! The beauty is that i have one ace up my sleeve, after reading here that some DCA's "lift" a signature and try to pass that off as the true copy of the original document, 2 years ago upon instigating my divorce i changed my name back to my family name,and i am hoping this company are thick enough to try lifting my family name signature, because the original account was in my previous married name!! so there is that!! I will do as said and see what happens, in the meantime i will keep you informed of any letters or court papers etc and of course whether i am still alive and kicking after next month!! no doubt my bro would come on on my behalf!! Thankyou all for your much needed help/advice and support, it is much needed and very appreciated, you're all bloody fab xxx Tigs x

Basically, the amount of debt my now ex husband left me in, he absconded ,was quite a large sum. I contacted ALL companies concerned and explained the situ incl my position financially etc. I have been paying 5 out of the 10 or so companies for the past 14 months and have it all in writing that they accepted my offer etc. I got my solicitor involved, the same one who dealt with my divorce, as my health is bad and it's been really stressing me with a few companies making demands, i haven't sat by and buried my head i have a filing drawer full of letters that i have sent all companies! He has said they should have frozen interest and charges, the amount was for £980 now gone up to almost £1,700 , then they should have looked at discharging the debt as they have indemnity insurance against genuine cases of hardship or ill health like mine. He has acted on my behalf free of charge because he obviously knows the mess i was left in. He informed me that i was to do what most have said on here which i did as regards the CCA request etc, i just don't want it to get to the stage of court as i cannot go and defend myself as i am due to go into hospital in 3 weeks time then i have to have treatment afterwards and it could take a long time ( i'm having a tumour plus Thyroid removed) so am quite icky at the mo! ( lol but i try to stay positive) because of this he has really taken them to task and shouted about health issues and they are making me worse etc but they are ignoring everything , he has written twice, and faxed! all to no avail. They just won't listen and don't care, i have even recorded phone calls where i state that i am a genuine case, all about my ex and how i was duped into this mess etc, no excuse, but their response is, can i make a repayment arrangement!!, derr what part of all i am left to live on after essential bills and food is 50p per month, and i'm serious here honest. I pay a total of £5 per month to the other creditors, at least 3 wrote off their debt as it was only small amounts,i.e less than £300 in all cases. Those companies listened and looked at evidence that i sent,thank god I know that their attitude is you owe it you pay, my attitude last time on the phone was ok, when i have my op hows about you have my tumour, gland,or blood? and i told them if i don't have a good recoverywith treatment would they like an invite to my funeral?!!!!! they promptly put the phone down! Hope this helps? Tigs x