I sent a CCA request to Aktiv Kapital on the 26th January and have heard nothing as yet. I am just going to sit back and see what happens. mickeybroom

Haven't been on for a while. Barlcaycard went very quiet for months then suddenly a couple of weeks ago, I had a letter from Aktiv Finance saying they had bought the debt and they wanted the money immediately. They included a deed of assignment letter, so I am not sure what to do next. I assume I should now make a CCA request to THEM, which takes me right back to the beginning of this sorry tale. Any thoughts anyone. mickeybroom

HI All Still getting cryptic phone calls from CSL. "You must speak to us urgently etc., etc.," My wife takes the messages and then ignores them. At least they are not at the harassment stage yet!!! I don't know how long they intend to carry on with this charade, but my last letter see (above post) should jolt them up a bit. I am not bothered at all, as this could go on for years at this rate. Funny thing though, there was no visit as per was threatened. Will these muppets never see sense? mickeybroom

UPDATE Apart from the usual daily phone call and numerous threatograms, things ahve been quiet. However today I received a letter from Power2 contact (who are Credit solutions) stating that because I will not speak to them they are sending someone within the next 72 hours to collect their money. This is my reply sent together with a copy of a previous letter denying them a visit without an appointment. Please find enclosed a copy of a letter sent to you on 3rd March 2008 which clearly states my position in this matter. You chose to ignore my letter previously, but rest assured, should you choose to ignore this one, I shall have no hesitation in calling the police and having you evicted from the premises I occupy. Since Barclaycard cannot produce a properly executed CCA 1974 for this alleged debt, the account is in serious dispute, and you have no authority to proceed with your threatened visit. Furthermore I have received no instruction from Barclaycard that you are entitled to demand this alleged debt, neither are you acting under OFT collection guidelines. Please be assured I do not recognise any right you think you may have to visit me at my home without an appointment and should you continue to threaten this action, I WILL make the appropriate complaints to the OFT, Trading Standards and any other authority concerned. Any further communication must be in writing, as I will not answer any phone calls or threatening letters you may choose to send. Please give this matter your immediate attention, and consult Barclaycard as to whether or not they intend to produce a properly executed Consumer Credit Agreement as per the ACT of 1974 Yours faithfully, I am now getting quite peeved with these idiots. Your right Slick up till now I have been quite laid back, but I am getting fed up with their attitude, their SMS's their phone calls and there stupid letters. Lets see what result this letter has. mickeybroom

Hi dpick That was my next move. I just wanted to see what their answer would be to my inital enquiry but now they have sent such a snotty letter, I will be going the CCA route and see what that brings up. maggiebroom

The above should be posyed by maggiebroom. My mistake.

This is my reply to Fashion Worlds iffy letter. Thank you for your very informative letter dated 17th March 2008. I would like to make it clear that I do not wish to claim back Peace of Mind payments made up until my retirement in 2002. I am questioning the payments made since that date. Your T&C’s clearly state under Exceptions: 5. unemployment after the insured customer has attained normal retirement age at the insured customer’s place of work. I had to take medical retirement in 2003 and since that date have had no employment. I now rely on the state pension, and a small works pension, which is why I am querying these POMP payments. I have to budget carefully now and therefore see no point in paying these payments if I no longer qualify for the insurance. I intend to make a claim for any payments made since I retired, which do not cover me for insurance. I have no intention of not paying what I owe; I merely seek to reduce the monthly outgoings I make on my meagre pension. I do not see this as an unreasonable request, and would be grateful if you would look carefully into my circumstances and cancel the POMP payment plan forthwith. I would appreciate written confirmation that these payments have been cancelled. I trust you will give this matter your urgent attention. Yours faithfully Anyones thoughts gratefully accepted. maggiebroom

After the threatogram (see posting 29) I have put this letter together I am in receipt of your letter dated 17th march 2008. I fail to understand why this matter concerns you. Barclaycard have continuously failed to produce a properly executed Consumer Credit Agreement, and as such are in breach of OFT guidelines in connection with pursuing the alleged debt. This account is in SERIOUS DISPUTE, and I received no notification that this matter has been passed over to you. Should Barclaycard, or yourselves, insist on this course of action, and initiate court proceedings, they and you would be well advised that they or you would have to produce the aforementioned document in court, which I believe they or you cannot do. A section 78 request laid down by the CCA 1974, means that the creditor must produce a properly executed CCA (with all prescribed terms) and a set of terms & conditions relevant to the time that the account was started. Neither of these requests has been fulfilled by Barclaycard and therefore as I said before, this account is in SERIOUS DISPUTE. Be advised that I will not enter into any more correspondence with you until Barclaycard resolves this important issue. I trust you will give this matter your urgent attention. Anyone any thoughts on adding or taking anything away from this letter? I have decided to delay things by just keep replying to their letters like this. The whole thing can go backwards and forwards for all I care. I had a letter from Barclaycard in reply to my complaint made on 10th December 2008 (perhaps they are using next years calender ) in which they still claim they have complied with s78 and they do not consider the account in dispute. Laughable really. So anyones advice gratefully accepted. mickeybroom

Anyone any advice on the above please?? Sorry again this should be from maggiebrom

Update Another threatogram from CSL Notice of legal proceedings etc, CCJ, Court costs, possessions being seized, and attchment of earnings. :o 7 Days or else Do they not read their post? I have now sent two letters telling them the account is in serious dispute and why haven't Barclaycard produced a valid CCA. Ignorance is bliss they say. Well CSL Mercers and Barcaycard must be extremely blissful as they are certainly ignorant. Another one to ignore I presume. mickeybroom

Another call for Interim Justitia last night Hubby answered the phone and politley told them that I would not talk to them over the phone and that everything should go in writing. After a bit of banter with hubby who then asked them if they understood english, he was told that they would start increasing the calls from today. I have been down that road before with Capital One and they got no change either, but I am furious that they think they can browbeat me this way. I have had no information from Snatch West that they were passing the account over to a DCA and therefore I do not consider that Interim Justitia have any thing to do with it. They do not frighten me one bit. We'll see what happens. I have re-sent the do not visit me at home letter, and if they carry on I shall send them the harassment letter and also a CCA request. If they have bought the debt they should be able to produce the document in question, shouldn't they. We all know they can't. We'll See. Hey Ho!!! Its off we go again. maggiebroom

Update Another card from Mercers saying phone immediately. In red this time. Saucy sods!! That too will be ignored. mickeybroom

Honey5 You have made me look again at the docs Barclaycard sent and I think you are right. Further investigation is needed, meanwhile I shall just sit tight and see what happens. And no I will not call you thick as you may have stumbled on a good point, so thanks. Hi Slick132 I shall indeed be sending the letter from Curleyben. Its a goodun' and yes I have already established that Mercers are a department of Barclaycard. They don't concern me at all, and they have stopped phoning as well. Oh the bliss of silence. mickeybroom

Just an afterthought. Last year I sent a CCA request to Monument and have never heard another word. The only letters I have had have been from Barclaycard, Mercers and Scotcall, and now Credit Solutions Ltd. Providian have disappeared into the murky past and sunk without trace. mickeybroom

I have not been on line for a while as over Christmas we had a very sad death in the family and everything went out of the window. However, we have still had the occasional letter from Mercers threatening all sorts, none of which came true. The phone calls have stopped though, which is a good thing. Yesterday I got another letter from Mercers saying I must pay within 7 days or else.:o Not worried about that at all, and then today I got a letter from Credit Solutions Ltd. Are these people a legitimate DCA or are they just another collection dept of Barclaycard. This is a FORMAL DEMAND:rolleyes: theatening again to cut me off at the pass. They have also threatened a doorstep collector will call. I am not sure if I should send another CCA to them or even if they have bought the alleged account. I am sending them the standard letter saying you may not call without an appointment. A bit of advice as to how to word a letter to them would be greatly appreciated. We did have two letters from Scotcall with incorrect account numbers, which I sent back saying the numbers were not applicable to me, and have heard nothing from them since. Can anyone help?? mickeybroom 8)