hi all! another day in debt land!! ;-) I have had a debt passed from Monument to Arrow Global. I sent the request for a CCA (getting near the 12+2 days), today i got this reply: Dear Mr........ DEBT OWED TO ARROW GLOBAL GUERNSEY LTD AMOUT OUTSTANDING £...... ASSIGNED BY COMPUCREDIT (AC NO.......) We thank you for your later dated recieved on 07/12/09 and acknowledge your request for documentation pursuant to the Consumer Credit Act 1974 We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in obtaining that which has been requested. We will now process your request for documentation from the creditor and will revert in due course. We confirm that all collection activity will be suspended pending provision of the documents. and that is word for word, even with the grammer error at the start. so what to do next? in fact i think it has even passed the 12+2 days, shall i put it in dispute? do you think ive managed to shake them? thanks in advance James

sussed it! thanks guys. much apprieciated!

thanks for that i did try to find my thread but seem to be having some difficulties navigating (im so out of touch with forums these days!!) thanks again! james

Hi all, my egg account has been handed to fredrickson international, with whom i have requested my cca only to be told that they cant provide me with one and to go to egg direct. So, with advice from here, i put the account into dispute and sent it off (also enclosing the postal order i originally sent). I have had a new reply from fredrickson international saying this: Thank you for your recent letter. We are unable to provide a consumer credit agreement. You will need to contact Egg direct with £1.00 fee for the credit agreement. We have placed a hold on the account for 30 days awaiting your payment proposals. and they have sent my postal order back. So where do i stand now? I have put the account into dispute with them and they obviously cannot supply me with a cca. mmmmmmmmmmm i ponder.....

ok, i missed what you had said!! hehe i do that sometimes on other forums, its a nightmare isnt it, pressing the click button then realising!!

thankyou fox, im going to send that one in the morning. Shall i re-send the postal order they returned to me?

hi, thanks for the advice, is there a template letter to put it into dispute and also is there a template letter asking for a notice of assignment?? (i hate being a noobie!!) i did look in the link in ukaviator's reply but cant seem to find the letter putting it in dispute....? regards jamie

hi all, i recently sent off a template letter from here requesting a cca for my egg card to fredrickson international who had informed me that they had bought the debt from egg. they replied pretty swiftly (in 3 days) saying that egg would send it direct and i had to apply to them for it. so my next step? i would of thought if they had sold the debt then surely they could provide the cca?? regards jamie

thankyou with your swift response!! yeah i am kind of getting to that point, its just so frustrating with the phone constantly ringing!!

hiya, im new here and am in the mire finacially. I have been reading through the forums and keep getting a bit lost so hopefully ive put this in the right place! !st) Ive defaulted on my egg card and that has now been passed on to Fredrickson International Ltd. They are basically saying that i need to pay £2k Immeadiately, im not particularly worried as ive had several of these for different lenders and ignored them and they seem to go away after a while (i presume as the aggrements must be dodgy??) so..... do i send the cca template to them? 2nd) Littlewoods, im behind about £200 quid and they are getting a bit annoying by phoning 20 plus times a day to not actually talk (the phone goes dead) then charging me £12 for the priveledge. I rang them and didnt get anywhere, offering to set up a direct debit for xx pounds only to be told that they couldnt do that. It ended up getting a bit heated as the girl on the phone was rude and ignorant and i dont like people taking a bullying tone with me on the phone, they did inform me that they will sell my debt on in the near future. Where do i go from there?? 3rd) With regards to unenforcable loans, im with Natwest and have a massive loan with them (was 23k now down to about 11k), this is killing me with a massive chunk of my wages taken per month. I started proceedings with a company called torston on a no fee win or lose basis. They defaulted with the request for a cca saying they have mis-filed my loan agreement with them..... Unfortunately Torstons solicitors have decided that they are taking on no more non compliance cases so its kind of in limbo in that respect.... how do i go about doing it on my own?? 4th and finally) I owed a fair whack to Monument and have buried my head in the sand with all the threatening letters (in fact i think ive lost them) and they have stopped i believe from memory that they were Wescott collection services, threatening to remove my heart and lungs within 10 days! However i didnt reply and ive heard nothing for a while..... any ideas?? Well thank you for reading and i hope it makes sense in what i have written. Oh btw, they were all taken out pre 2007.