Did you receive a NOA? If not and you have access to your credit file, have a look because it should state who is updating your file.

This has been challenged in the Courts and unfortunately they can do this.

Hi, Did you send off the Account In Dispute letter when Hillesden'stime had expired? If not send it straight away. Until Hillesden comply or send you a recon agreement (if they do, re-post and ask for more advise) ignore any letters they send you and just file them away. Are Hillesden's the owners or acting on their client? Stigman

Hi Barny, If you have sent a prove it letter, just wait and see what HFO come back to you with before going down the CCA route. When did you last make a payment and did you take out PPI? Stigman

Hi Russ, Send HFO a CCA request, don't forget to include a £1 postal order and do not sign, print your name only. When/if HFO reply, scan in, remove all personal details and any barcodes/reference numbers that could identfy you and post up. Stigman

Cancel your debit card with your bank immediately so that HFO cannot just help themselves. Just tell the bank that you have lost the card and to place a stop on it. Have you sent anyone a CCA request? Are their any PPI on the loan to be reclaimed to reduce your debt? Stigman

Thought that was the case, Activ Kapital can only send out threatograms to you Blueboy. Stigman

This is just standard computer generated rubbish, every so often you will receive doorstep collection this, discount offer that. You said in post 1 that you have been with your bank for over 8yrs so if you have not made any payment or written acknowledgement within the last 6yrs (5yrs if your in Scotland) then the debt is statute barred, send them the statute barred letter from the templates section. Have you checked your credit file as DX suggested? Stigman P.S. Bye DSCollector

Please someone correct me if I am wrong... But if Blueboy was taken to Court and a CCJ is awarded by the original Claiment CL Finance, then Activ Kapital have to go back to Court to get Blueboy to pay them as the judgement says to pay CL Finance. Am I right? If not sorry Stigman

Hi, Make sure that also in writing that HFO will not pass/sell on any remaining balance and that the remainder is written off at HFO's expense and also your CRF is updated to reflect this. I would be very carefull giving HFO a debit/credit card number, DCA's have been well known in the past to raid your account, make sure that any payment (if any) is done by either a standing order, postal order or via a means where you are safe. Stigman

You are under no legal obligation to supply a DCA with your personal financial details, onlya Judge has the right to see these. Stigman

Your yet to receive a batch of fabulous discount offers through the post!! Just file away and ignore until Moorcroft reply - And don't ring them or answer any security questions if Moorcroft ring you. Stigman

Follow the advise above and reclaim the PPI/charges etc before entering into any F&F setllements, get the F&F settlement in writing and make sure it states clearly that the balance is zero and this will be reflected on your CRA file, any remining amount will be written off at the DCA's/creditors expense and will not be sold/passed and NEVER tell any DCA or creditor that you have come into any money because they will want it all plus more besides. Stigman

Statute Barred Letter Link: http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred Failure to send you a CCA request within the timescale link: http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale. Ammend the letters to suit your needs Stigman

Hi Hairyman, Before you commit to any payment to Lowell's, as DX says above, a tad more info on the debt would be appreciated, i.e. date of last payment etc. If you do set up a repayment to Lowell's, DO NOT set up a Direct Debit or give them your debit/credit card number, ask Lowell's for their bank account details and set up a standing order. Best Wishes Stigman

Hi Fredsdebt, Hopefully this will bump you up a tad, will answer to the best of my knowledge only so you need to check independantly or others with full knowledge of account termination will advise further. My Answers are... 1) No, unless stated in your terms and conditions if the account has been terminated (but also has they failed to provide a valid CCA, it does not matter how much they add on until they produce a fully enforcable copy). 2) Yes, they legally can, it should be recorded with a number 8 every month. 3) It is in your terms and conditions, you will have to write to them to remove your name and address for their mailing database. 4) Don't think so, but you may need to send a SAR to see whats going on (costs £10 postal order and they should supply within 40 calender days) But as it has been months since you heard from them, don't send the SAR as you do not want to rock the boat and have the collection process all starting again. Stigman

Hi Stuinn, If the debt is not yours then no need to send a CCA request, Check your credit file to see if any defaults have been applied, if they have, you will need to contact the credit reference agencies to have these removed. In the meantime, report HFO to the OFT, Information Commissioners Office and Trading Standards via Consumer Direct. Keep a copy of your letter and also print a copy of the Royal Mail Trace & Trace receipt, place all letters into a folder for any future reference. Stigman

Hi Stuck, As Allied Int. returned your postal order, wait out the 12 + 2 working days and send them the account in-dispute letter, it's not your job to go to Natwest and do Allieds job for them. The CCA was for the personal loan, unfortunately overdrafts are not covered by a CCA request. If you have to pay back the overdrafts, because of your income, pay a maximum of £1 a month and NO MORE! Stigman

DCA's are a greedy bunch and will leech as much as they can so when they offer discounts, means the same as you posted above, they have no paperwork so after a quick buck to get shot of. There is a letter in the templates section to send to a new DCA when another DCA is in default of your CCA request, send them that and then ignore, dont talk on the phone, if they repeatedly ring you, go to sports direct, buy a referees whistle for a couple of pounds and when they ring you see if the whistle works!!!!! Stigman

Hi Canoeless, Can you open up a photobucket account and post the link or convert to PDF and attach as it is too small to read. Stigman

If you live in Scotland, it's 5 years until Statute Barred.

Hi Nish, First of all you need to instruct your mum that if RW call again, for her to stay "in writing only" and hang up. If RW have either your mothers debit/credit card number or a direct debit, these need to be cancelled immediately. Send RW a letter telling them that your a requesting information from the original creditor (SAR) and therefore the account is to be placed on hold. Don't worry about the letters of court this and court that, they are a private limited company and have no power of your mother. Send the SAR, it takes 40 calendar days approx. and dont forget to include the £10 postal order, a SAR letter is in the templates section. Please update as anything else happens Stigman

Hi JH, Lowells are out of time, send them the account in-dispute letter and ignore all threatograms that they send to you until they comply. http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale. Stigman

As Above, stay off the phone to them, when and if you receive anything, send in a CCA request including the £1 postal order. When the vile creature said she had your signature in front of her is total BS, to be honest DCA's mainly don't even have a date of birth, I know this because I have rang them in the past and given a totally false one which they accepted! (Notice to anyone reading this, I do not advise anyone to speak to a DCA ever, but I just can't help myself as I love to wind them up). Immediate payment demands on the 25th of the month right before commission cut off! Once you send the CCA request, if you receive anything back, scan in, remove your personal details and any other related information so you remain annoymous and post up. Stigman

Hi Hadenough, Just file the letter and continue with your normal life until they write with more information. The onus is on them to prove that the debt exists, is legally enforceable and that they have the legal right to collect it. If anyone does come aknockin, tell them to get off of your property or you will call the police but mainly the threat of doorstep collectors written on a letter are to intimidate you into contacting them by their preferred method of telephone, where they will lie, bully, harrass and intimidate you even more so that the pipsqueak on the end can earn a commission. Do not be tempted to ring them, just enjoy life. Stigman