Many thanks again. I did check all last addresses against trustline and nothing showed. I'm going to apply for a credit check in writing but I'm worried that it may make me more "traceable" if I also use my current address. Is that the case or am I worrying about nothing thanks

Well I'm confused to say the least. I have checked on the site you gave and no ccj showing? Does this help my situation at all please. Thanks again for looking

Thanks very much for the info . I'll do that and post again

Hi and thanks for looking. I got in to financial difficulty just over 8 years ago and handed my car back to Santander . Loan secured on the vehicle. At the same time I moved (also due to my financial difficulty) I havent had any contact within the 8 years regarding this but have had a rep from Bluestone visit a friends house last week looking for me. They didnt aknowledge me but where left a card by the rep. I dont have any paperwork to hand and after a read of the forums assumed as it was 8 years ago this was unenforceable. When I last checked my credit file there was a ccj attached approx 3 years ago related to this Any help much appreciated

My friend has recieved a Notice of Warrant of Execution for a CCJ in place against a man she used to live with. She has informed the court before that she has not been with this man for several years. She has since found out that he has registered at her local doctors using her address!! (to hide using his own and no doubt this is where the court have applid to her address ) is there anything that she can do to stop a bailiff visit please

Can you please advise on my next cause of action Thanks In advance

Well just when I thought it was over we got this today.

Anyone please Thanks in advance

Anybody got time to take a look please Tia

Thanks for taking the time to help. Its not looking good then?

Hi and thanks for looking. We recieved about 30 pages of an agreement today after our cca request. It is late but is it enforcable?. I've pulled out a couple of what seem to the the most relevant pages. I've never seen a tick accepted as a signature before? Can any of you advise please. ? Thanks in advance

@ Clemma thank you very much. Letter going by Special delivery today.

Its easy in the morning all bleary eyed not to notice whos name was on the envelope when you tear it open I made this error at my old address and it stopped the letters

Is the image clear enough? Thanks

Removed all personal details. Please note the bottom left ref number had a line through it and a second number written in over the top (amendment not noted or signed) Not sure if thats relevant too

No Sadly the last payment was Jan This Year Just uploading the letter now thanks

Right got a reply to this today from Wescot approx 6 weeks after my cca request with signed copy of my original agreement dated 2000 demanding full payment now (approx £1000) Can you advise where i go from here please? Wescot arent the people I had he agreement with. And its taked approx 6 weeks for the cca? Many thanks

Hi all and thanks again. I sent the second letter as supersnoopers post to Wescot and got a reply on Friday saying the accounts on hold etc. Is this Wescot done? Or do I need to follow up / Thanks Drhunt

I'm just confused as Wescot have never responded to the cca request, Creation have and they returned the postal order made payable to wescot for my cca request so they have never cashed the fee as is in the letter. So Ive not paid technically

I would second that advice. Do not talk to them on the phone. My experience was that they will bully and harras you and in my experience lie to you to get what they want.

Thanks for your fast response. Do I send it to Wescot or to Creation? and do I re-send a £1 postal order

Wescot got in touch with the wife regarding a debt with Creation finance for approx £800 I read the excellent advice of the forum and sent Wescot a DCA request dated the 16th Apil including my £1 postal order I've recieved a letter from Creation today Dear DrHunts Mrs Thank you for your letter dated 16th April 2009 which had originally been sent to Wescot Credit Services Ltd. This letter was received in the Data Protection Department on the 29th April 2009 We will be more than happy to supply you with the information that you requested. However, in the accordance with the consumer credit act, we will require a statutory fee of £1.00 to enable us to proceed with this request. This should be in the form of a cheque or postal order and should be made payable to Creation Financial Services. We have returned the original Postal Order that you have sent which has been made payable to Wescot Credit Services I have enclosed a business reply envelope for your convenience. If you have any further queries regarding this, pleas do not hesitate to write to the Data Protection Department at the above address Yours Bla bla What should I do next please? My understanding was that it was Wescots responsibility to deal with the CCA request within the time limits. Thanks in advance

Thanks again for the advice. It looks like ive got it sorted through a "maildropper" as per your advice