Your are a star as always, Will do letter tonight. Await next one!!!!

I was a slave to the makeup counters and perfume! What letter do I send back?

Thanks for swift reply, Now I remember I was in Debenhams and a estee lauder girl got me to sign this, for I think an offer. The bottom part reads like this. FINANCIAL DETAILS OF THE ACCOUNT This tell me the interest per month and what the minimum payment would be. INITIAL CREDIT If you are given the right to take credit when you sign this Agreement the right to cancel referred to in the box below. CUSTOMER INFORMATION AND DATE PROTECTION This says about searching your credit file and consenting to them disclosing details of my application etc. Using a credit scoring and searching your records again at one or more credit ref agencies as well as using other information we hold about you. If you have requested payment protection insurance we may pass information about you to financial insurance company ltd. CUSTOMER CONSENT - PLEASE READ THIS BEFORE YOU SIGN By signing this app form, you consent to us using and disclosing details about you as set out in section 11 of the Agreement. Then it says about marketing information. RIGHT TO CANCEL says will send this by post? That is all. So I'm I right then that this is a Application form only?

Thanks as always Brigadier2jcs, you advise me every time. Please explain by agreement in complete. I'm learning with each thread but what would you advise my next move to be. Best Wishes as ever, Blueboy1

Hi everyone, This is the first Credit Agreement that has been sent after a CCA'd them. Akitiv Kapital has this acct which I was paying £1 per month. They sent one page and the signature is mine. I saw that I had signed 'Protecting Your Acct'[ATTACH]30131[/ATTACH] Could someone check over it and the bottom part is that sufficant. If that is correct, do I SAR GE Capital to get all the charges etc taken off to reduce the debt. Current Bal is £1,263.10 On agreement for credit card limit was £500. Please advise.

Thanks for the help guys, Do I SAR GE Capital then? Who is Howard Cohen connected to? Do I ring the courts and ask them if AK has a right to collect?

This was when I stuck my hear in the sand. I only have paperwork from 2005 onwards. Notice of Issue of Warrant of Execution in Northampton court May 05. I must have rung them as there is a supended Warrant/Judgement end of may 05, with orders for me to pay £1 per month, which I have done on and off until 2007 hen I have been paying £1 every month. Howard Cohen dealth with this april 05 to May 07 when I stopped paying. Started up with AK 2008. AK have only sent offers of reduced payments and payment slips since. I have also had a statement of payments oct 10-sept 09. That is it.

Hi everyone again! Lates query for your expertise. I CCA'd 3 accts for above DCA. The others and awaiting blah blah agreement. This one which is on my credit file, (falls off nov this year) Akitiv Kapital wrote back and said I quote: As C.L Finance have obtained a County Court Judgment, Aktiv Kapital has no obligation to provide the documents you have requested. The matter needs to to be taken up with the Courts in order to have the Judgment sed aside before any dispute can be investigated by Aktiv Kapital. Now I thought that I could still demand the CCA even though I am still paying my token monthly amount to them. They have not returned my postal order as well. I want to SAR GE Capital later on to check for ppi and interest payments etc to sort this out and reduce the debt, then finally offer a F&F payment. What would you advice be concerning the above? As always thanks.

rhos123, you are a bad one! Like your style though. Thanks for cheering me up!!!!

That will be my next step Huggys boss. All this is a learning curve. I am awaiting the replies of the dispute letters first, then take it from there. As there are a number of accounts, I want to try and keep it simple.

I also in that year had my young son diagnosed with Autism, lost my full time job I loved and was made homeless. You could say it was stress behond belief!!!!!!!!!

There must be lots of charges etc on all the accts but these go back over 9 years and all my earlier paperwork was with a debt management company. When I lost my job and then for a couple of years put my hear in the sand and hoped it would all go away.

I am quite willing to carry on paying as before but as this forum suggests to make sure that I have a valid CCA. Is that right BRIGADIER2JCS?

I was paying £1 each monthly to them until july this year. Then I discovered your forum and decided to CAA all my DCA's.

From 1st letter: Thank you for your request for information under the CCA 174. Cabot Financial currently does not have this information on file. however, we have requested the relevant information under section 77 and/or 78 of the CCA 1974 from the original lender. They then say they don't accept the fee and have returned it. Last paragragh was if they could not get the information in 12 days they would write. Week later they sent this.: Although Cabot has requested the information, the original lender is experiencing a delay in retrieving the information from its archives. although Cabot has not been able to provide you with the information within the prescribed period, we would still advise you that your debt remains legally due. We are still able to report to the credit reference bureaux regarding the status of your debt (fell off file last year, though not SB) and we would recommend you continue your repayment plan with us blah blah. Other 3 accts with them have the same letters sent. These accts are not on my credit file any more and have stopped payment until they provide credit agreement as advised by CAG.

Cabot have been sent Account in Dispute letters this week.

Hi Everyone, I just wanted to start a new thread here. Have anyone else had Cabot return their £1 postal orders when you CAA'd them. It seems to be their policy but when did this start? Any other DCA's doing this as well?

I would die for a score of 618, mine is 427 and has slowly gone up as each default falls off.

Reading this Tread, I thought I would recheck my 3 Cabot Accts. One of them is charging interest. Cabots balance Dec 2006 was £3,418.32 Now the balance is £4748.91 No mention of interest charged, waiting for CCA from them, just sent dispute letter. Interesting read though Bazooka Boo.

You are always so helpful, you must be a angel in disguise!

If you had a default entered on your credit file and six years later it falls off, can a DCA put a default back on it for the same debt, whether they entered it on the CRA file or the original lender did. It hasn't happened but I wonder if they can do this and has this happened to any one else?

I understand now. Thank you for the great advice.

Could someone please advise on my last post please

Many thanks as always, but I'm really confused now. There are a number of old debts. Two I have had no communication and will be SB next April and April 2013 I didn't CCA these. Eight others I have CCA'd with various responses. Cabot have sent back the Postal orders for three accts and have said they cannot find agreements in time and are still trying to obain. Akitv Kapital have a default (there were lots of these and a few CCjs. last default falls off my file Nov and I will have a clear credit file) AK say on one acct that as there was a ccj (off file) they don't have to sent anything. which cag advice was to leave it alone. Ak said on other acct that they can't get documents and have lied about how much I have paid. 3rd Ak acct no repy. These accts over the years have been through many DCA's and I thought that no CAA that I don't pay them and send dispute letter and await their response. thanks as always blueboy1