Not too sure where I stand as I dont know if the account was terminated. The OC firstly didn't give me the required 14 days and secondly the account was sold before the 14 days was up. How do I know if the account was terminated? (Not taking this thread off track as I believe its relevant to the whole DN question) BF

Thanks BF

Just to check, if an account is sold to someone else before the 14 days on the DN is up, is this ''termination of the account''? Bf

Thankyou, I have a couple of accounts like this then BF

Does this mean that Amex can now come back with a compliant DN and demand payment again? BF

I've had 3 threats too, AVG blocking. threat is: best-videogames

I've sent of CPUTR letters to these people, as per this thread and so far not received anything concrete back, just fluff, so it seems a good option, another string to our bow. BF

Yeah, I bet thats their get out!

I have no problem with the threat letters, I'm very thick skinned and can quite happily receive them forever! But what would happen if it did go to court and I presented their letter of admittance to the judge? And, apart from that, if its true that ''enforcement only begins at the courtroom door'', if they admit its unenforceable, they shouldnt be able to get through the door in the first place! BF

I'll give an example of how I find this whole thing confusing. I have safely filed away, letters from more than one company, sent to me after CCA requests, stating that they dont hold enforceable documents and that while they can chase me for payment, they cant enforce in court. Now, since sending me letters like that, they are chasing and using statements like they ''may take legal action against me''!! How would this go in court if I was to present their original letters admitting that they dont hold enforceable documents? BF

Thanks car, I'm with you on this one and agree that the money should be used to pay off the enforceable debts rather than the unenforceable ones. I understand that they can still chase unenforceable debts (and thats happening with me at the moment), but time will tell if they actually go to court or are written off as I cant deny that the money was spent (all credit cards). BF

Is this true? I'm slightly confused, because on the one hand Brigadier is stating that if it can be shown the money has been spent, the case is going to go against you in court, regardless of unenforceable paper work, but you are stating that if its unenforceable its always written off. Do you agree that its all rather conflicting? BF

Thanks P1 BF

Thanks P1, do you think it matters which one you send for first? BF

Thanks P1, thats excellent! Does this make the old CCA request redundant now, in your opinion, or should you still send this with the £1 postal order? If so, which one would you send first? Tks BF

Thanks cb, I think its very important to know a definite answer. BF

Does anyone on here know, once and for all, if the setting aside of a SD means another one cant be served? BF

Lol, I'd be so tempted to do that! BF

Thanks guys, will take your advice and do both, starting with the CCA request and then I'll request the charges I've paid. How can a business buy something without first checking if its unenforceable and it also show there is no honour among thieves when one company can sell an account to another knowing its unenforceable? What a business they're in! BF

There's no PPI but I've done nothing about any charges because, as BC had written to me stating it was unenforceable and then I'd heard nothing for months, I wanted to leave well alone and wait for the 6 years to kick in (a couple of years left). The amount is below 7000 BF

Lol, I'll fire off a request then! Been searching Lowells on here and see they're quite keen on SD's and bankruptcy. Are they likely to go for this even with no agreement? Just trying to find out as much about their ''style'' (or lack of it) as I havent dealt with them before. BF

I have received correspondence containing 2 letters, one from BC stating they have sold my credit card account to Lowells, the other a bill from Lowells for the full amount as well as ''introducing'' themselves. Many months ago Barclaycard sent me a letter stating they couldnt provide the CCA and therefore couldnt take any enforcement action, so what should my first move with Lowells be and should I be worried about them? BF

I dont at the moment, but its just another option. I'm led to believe that sometimes its advantageous to do so. Tks for the reply BF

If you were a joint property owner with all the debts in a single persons name, would it still only be a restriction if you went for a voluntary charging order? BF

Hi Panda all gone quiet here BF