New update. After months of nothing they've sent me yesterday a CCA for one of the accounts (a credit card), saying that now they've produced a CCA give them some money. lol Erm nope, all that you managed to show so far is that 20 years i signed for a credit card and nothing else. Still no defulat notice, termination notice or Notice of Assignment, not even a statement of last payments on the account. I still maintain that if they had all the stuff then they would just take me to court or rather the original credit company would have done instead of flogging it on without issuing an NOA. For advice for anyone else in a similar situation, they appear to be finally responding to my CCA request many months ago, so don't even bother requesting one, at the end of the day it just seems to be another avenue they're going down having exhusted all the 'give us money or else' letters.

Latest news. A postcard turned up today, posted second class advising me that having unsuccessfully contacted me, one of their agents have been instructed to call within the next 48 hours. However if it's inconvenient then call the number provided. They're getting desperate now, it's the postcard trick. Seeing as it was sent second class, that 48 hours i suspect has expired by now, but then again the last message was we're sending someone out, and yet they still haven't. Well if anyone does turn up they can bugger off as I've already instructed the company that I have withdrawn any common law offer to attend my property. Besides it's the landlords farm and their are several big blokes that work here that can see anyone off I'm sure. i wonder if they do ever send anyone out? THoughts people?

I'm not complacent, I'm just sick of the the threats to take me to court, i just wish they would get it over and done with if they are going to. It was five years ago i entered the IVA. However at no point was i issued with a default notice or notice of termination as i didn't let things get that bad before entering it. Once it fell through however i was never contacted at all by the original creditors which also includes a lack of NOA. My credit reports are all clear from any arrears being owed to anyone. The original creditors could have easily have pursued the debts but didn't, possibly due to the lack of notices, who knows.

Yet another letter today in the latest of the saga. This one is withdrawing their previous offer of 'significantly reduced' since i didn't run to the phone to give them money. Now it's back to the old, give us the money or we might cry in a corner somewhere. Yawn. Apparently they intent now without further notice to issue legal proceedings against me or instruct a debt collector to visit, and apparently i can only avoid this if i phone them yesterday. lol Yawn. Bored now, bring it on already or get out the game.

I'm almost embarassed for them. They've gone from really threatening to pleading.

Another letter inthe post today. Much to my amusement i'm now offered a 'significant discount' to settle with Max Recovery. Although the letter fails to specify what that would be, asking me to call and find out. lol On the ignore pile.

ANother letter turned up today after ignoring tyhe last one. Pretty much says exactly the same but this time in bold text, "you have seven days to pay blah blah blah or else we might do something else blah blah blah ...." and also saying that if legal proceedings against me were obtained then blah blah blah. If you're gonna take me to court thaen do it already, oh wait you haven't got any of the docs to make it legally enforceble lol. Filed under 'ignore' like with the rest of them. At some point they probably will try it on just to see what defence I'll give, now does anyone know of any case law in regards to failed IVA's and if that has an precedence over a lack of DN or Termination notice. Although i still presume the lack of an NOA is still in my favour. Or should i CCA this one?

Another letter turned up today. In case you're all wondering I thought i'd document everything that comes through from Fairfax Solicitors for everyones benefit in similar situations. This one lists an Argos account with the debt of about fifteen hundred pounds. Apparently their instructions are now to commence further action (oh god noooooooooo, i jest). They MAY issue proceedings through a court. Thats nice of them to tell me what they might do. I may have a pizza for my tea tonight. Now then folks do i bother to CCA this one yet or just ignore it again. To be honest if they take me to court they will have to produce the CCA, default notice and NOA. There is no default notice as one was never issued (i entered the IVA before i defaulted) and surprise surprise there's no NOA ever been issued. I actually might just CCA them for this one. This is listed under their account number that was all of a sudden found after they failed to provide a CCA for the last one for MBNA which they claimed was for a totally silly amount of the whole combined sum instead of what it was actually for. Or do you still reckon i should ignore it?

Just as an update on this. Got another letter from Fairfax. This time quoting the new ref that appeared when they couldn't find a CCA for my request. And this one's for only a grand and a half for Max Recovery. They seemed to have dropped their asking of £29k just a bit. hahahahahahahaha *ignore* Although from looking through a few other threads it looks like Fairfax have indeed been taking people to court. I've read that it helps your defence if you request the CCA that they don't provide. SO i'm starting to think now that i should CCA this one. Or if anyone thinks that it's stupid too then let me know. I basically don't want to do anything that may harm my defence if it ever goes to court.

Hang on a minute. I've just been looking over the letters sent in so far to myself. Now initailly they cliam i owe £29k to Max recovery representing several clients. Then the next one is £29k to MBNA under the same ref of theirs and now they come back with the origainl ref will be suspended until they can produce a CCA but there's several other ref's of there's with the same ref number ending in a or b or c or d or e or f. And after that it all of a sudden says they have another ref which is completely different. So all this time they've only mention the one company under the one ref, this totally smells of fish. Especailly the new last ref which all of a sudden appears when they suspend the first one, i suspect its the same one and they still haven't provided any additional info. SO my question to you my fellows, do i just ignore or do i CCA request all of these new ones (which is wasting my money)? Or do you just think they're taking the ****.

so should i request a CCA for all of these accounts (which would be about £7) that have suddenly appeared, bearing in mind that i only have their own ref numbers for these accounts and don't have any more information than that?

Yes it is interesting. They don't actually acknowledge the original cca request but only the complaint that i sent in when they failed to comply with it. And all of a sudden there's several accounts instead of the one account that was on the previous letters, with all the new accounts labelled a, b, c, d, e, f, sounds like they just want to get an extra £6 off me. Certainly doesn't look good or very professional if it ever went to court. So just ignore and wait for them to attempt a court case?

Interesting. I just received yet another letter from Fairfax. THis one is in acknowledgement of my CCA request and are asking for additional £1's for each of the accounts that they have. Yet they still don't provide any information. Yet they nicely go onto say that action on these accounts will be with held for 7 days for me to put in a CCA request for each of them. Ha ha ha. With hold action, they can't do any action until they can legally prove that any debts exist in a court of law. So what you think, ignore?

After i send this last letter i will ignore everything else. The letter says it all, prove it or go away.

THing is I can't even remember having anything with MBNA. Although if i Subject Access request them they may get interested, and since the debt has been sold on to Max Recovery they can do the donkey work:) However claiming that the whole wack belongs to this one is a bit naughty, they grasping at straws. I never got any Default notices anyway from anyone prior to entering the IVA. Good luck in court fellows.