further my last post i sent wright hassall a reply via post saying i was disputing there claim as it didnt comply to which they send me this back any help greatly received[ATTACH=CONFIG]50812[/ATTACH] cheers

The original agreement was made in autumn of 2000 so I'm guessing that's why they are sending the recon. How should I word this letter to them? Thanks

would this be an ok letter to send back to wright hassall do you think?? or am i barking up the wrong tree?? Name Address Date Ref No: Dear sir/madam Thank you for your response to my request under the Consumer Credit Act section 78. I am pleased to see that you confirm this as a true copy of the original agreement executed by yourselves on the XXXXX. As you must realise this agreement does not conform to sections 60(1) and 61(1) of the Consumer Credit Act 1974 and would therefore only be enforceable by a court under s65. However, the absence of any (prescribed terms / signature) means that a court would be prevented from enforcing it under s127(3). Just supplying a copy of your current terms and conditions and a copy of what looks like, my original application form does not constitute what I originally required of you to furnish me with. Unless you can produce a copy of an executable agreement within 14 days I will consider that the above account is now closed and that you will not pursue the alleged debt and that this will render the account in dispute. Should you fail to respond within 14 days, I will expect that this means you agree to remove all such data and that you will deem the matter fully closed and shall not seek to pass the alleged account to an outside third party such as a Debt Collection Agency.I need not remind you that if an alleged debt is rendered unenforceable taking this action would be a breach of my consumer rights not to mention the Consumer Credit Act 1974/2006, therefore if you try to take this inappropriate action at any stage before providing me with what I have requested from yourselves would leave me no option but to report such behaviour to the Office of Fair Trading and Trading Standards. I hope this will not be necessary, yours faithfully

heres the letters and the agreements they have sent me note the original one has the wrong name on it although my old address but no signature and the updated one supposedly sent a while after has no address on and just looks like a copy and paste of my proper name..... . thoughts, help, advice greatly recieved cheers paul.. ... by the way the files have not uploaded in order

I'm just scanning the letters now the debt went from egg to Cabot then to Wright hassall if this is any help. Unfortunately I can't find my very first letter from Wright hassall threatening bankruptcy

From memory I feel sure it was Cabot they are working with I've got my partner searching the paperwork out for me while I'm at work

From what I can gather it's owned by or been passed to Wright hassal solicitors now. But was with a debt collectors prior to this I forget which one at the moment. Yes bank fodder I'll upload them tonight if that's ok

also one other point to mention the original agreement is a Mr D. B...... when im actually Mr P.D. B........

hi all.... not sure if im in the rite forum but here goes... had an egg credit card 10 years or so ago for one reason or another it never got paid ect ect... no payments have been paid on this since 2009 and ive just ignored it hoping it would kind of go away. until 3 weeks ago i got a letter from WRIGHT HASSALL stating they was filing for bankruptcy if i didnt clear or start to clear the debt.. so armed with the letter asking to see my signed cca with my pound postal order i went swanning off to the post office... to which i got a reply a few days later with a printed statement saying that sending the pound postal order and even though the last payment i made was in 2009 this was acceptance to the debt. i didnt reply to this then a week or so later i get another letter with a "reconstituted" copy of the original terms and conditions and a copy of the current terms and conditions???? followed by a paragraph. We now look forward to receiving your proposals for repayment in 14 days blah blah blah..... ...... on none of this was my original signed dated copy..... .. im a litted lost as to what to send back to them. any help ideas or input would be greatly appreciated cheers