Thanks Mozz1 - sorry for the delay in responding - I haven't been able to afford to be online since the summer. BN

I followed the Failed Letter linki - it is the one I have got. I have also found this one below but I dont know if I can use it. Does it look OK to use? I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY Dear Sir, Reference no: You have contacted me regarding an account with the above reference number, which you claim is owed by myself. I would point out that due to the failure to supply a copy of the signed, executed Consumer Credit Agreement this account is in dispute . 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 now require all further correspondence from your company to be made in writing only. I am of the view that your harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997. If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. 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 Evershed 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. Please treat this also as a formal complaint, and send me a copy of your company complaints procedure. Be advised that any further telephone calls from your company will be recorded. 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. I look forward to your reply. Yours faithfully BN

Thanks Mozz1 - only one saiys partially settled but its not Egg. Cheers for looking for the failed letter. Paul

Hi there - yes I have had lots of Without Predudice letters and F&F offers for Egg and others. Even if I beleived the DCAs which I dont, I dont have the money to pay them anyway! Would you/anyone know where I can find the Failed Letter.I think I have a template already but I want to check if its the same thing. BN

Hi Mozz1 - I will try to do a monthly progress now I can get on line more often. The good news is that I am earning again so I am paying the ones that have agreements. I have had one court date for CCJ but I manged to pay the solicitor so avoided that. I know its wrong but that has become my strategy now: 1 - CCA 2 - SAR 3 - Letters to stop phone harrassment and door stop collections 4 - Wait for solicitors letter with court date thenpay OR 5 - Go for statute barred after 6 years. I dont even think that if I was lucky enough to buy a winning lottery ticket that I would pay the ones that dont have agreements! I do have some other posts on hear as well. Interesting ones about Amex! Let me know if yu want the links? BN

Thank you Tonster - you have made my day! BN

Sorry for not responding sooner. I dont have my own computer anymore so I have to beg and borrow to get online. Are you now saying the document I posted at the start is not enforceable, or is enforceable? Sorry for asking a dumb question! BN

Hi there - no I havent claimed the PPI. Would I be admitting that I had an agreement then though? How do I post a link without typing it al out again? BN

Would anyone have the time to quickly look at these agreements for me please? ANy advice welcome as well as to what to do next. BN

Thanks for taking the time to look at it for me. I have some more if you are interested. If you have time have a look at some EGG Loan agreements I have: http://www.consumeractiongroup.co.uk/forum/egg/256871-egg-laon-agreement-compliant.html#post2891757 Thanks in advance. BN

Thats it! There isn't anything on the reverse at all! BN

I have sent a CCA request to Halifax, and they have sent me the attached Credit Card Application from 2005. Could anyone tell me if this is a compliant agreement with CCA74 please? Thanks in advance. BN Halifax Credit Card 49 02062010.pdf

I have now had a letter from the DCA (Frederickson International) this week offering me a final settlement, as long as I call them straight away of course, or they will suggest that their client proceeds with court action! Should I be worried? BN

Thanks for taking the time to look at my post. I have had a number of threatening letters about this Loan Agreement from all the usual DCA's, the latest of which is from Fredrickson International Limited demanding immediate payment, home visits, etc etc! Well due to my unfortunate circumstances, no job, no money as some of you will know from my other posts I have no way of paying the outstanding ballance anytime soon! I would if I could. But I can't! I have sent a number of letters to EGG about the account and what my options are, including CCA and SAR and all the other templates people have kindly sent me. I sent EGG a CCA on 22nd January this year, then I followed on with a SAR when nothing came back from them. I have attached what EGG have now sent me as their SAR response this month. Can anyone say if it is a compliant agreement with CCA74 please as I have read many of them aren't. Should I be worried for now? Thanks in advance. BN EGG Loan Page 1.pdf EGG Loan Page 2.pdf

Hi Livis - I should do the same thing really so everyone can see what I have had. Whats the best way to scan and share now on CAG? BN