Yikes! I'll send this off and see what happens. Thanks again.

Sorry, you're worrying me now. I didn't think this would be relevant, is it? We weren't married at the time either that's a later development.

Yes. My husband's account is the one that they are pursuing through a DCA. There is no dispute on my account (which is much smaller) although, he is an additional card holder on my account.

Hi again. Latest developments. Following the letter from iQor we received, from IF, the exact same letter as posted on here previously except dated 30/04/09. We replied 06/05 with the letter to iQor (as posted by IdaInFife 28/04/09) and also replied again to Intelligent Finance with the letter as posted by IdaInFife 12/04/09. Today we've received a reply from IF refering to letter of 10/04 (?) I've attached a copy. I am absolutely fuming. Enclosed with the letter was a signed CCA for MY credit card not my husband's credit card. He's an additional cardholder on my card but am I correct in saying that 1) that's a seperate issue and my responsibility and 2) they've breached data protection. I haven't attached a copy of this because, basically, there's a lot of personal data on it but I applied for my card in Nov 02 and he didn't apply for his until Aug 03. All correspondence is clearly dated and it clearly refers to me as principal cardholder and him as additional. I'm beginning to wonder if this is a trick to trip us up. You know we'll write back "oh this isn't mine I applied in Aug 03" doh! doh! I was beginning to feel guilty about this, you know, at the end of the day the money's been spent and we overstretched etc. But now I'm p'd off. Also, if they can produce this for a 2002 account perhaps they'll produce one eventually for his (opened 2003). I guess we'll have to cross that bridge when we come to it. Also, I don't know if you saw this on BBC News 08/05. BBC NEWS | Business | Judges seek hold on debt claims Does this have a bearing? Just want to say we really appreciating all your help, would have caved a long time ago if didn't have your help. So sick of "them" bending the rules to suit themselves. IF Letter Rec'd 120509.pdf

Latest update. We today received a letter from iQor. "Our client, Intelligent Finance, have advised Wescot were dealing with your account prior to iQor and they were informed on 25th Feb 2009 that a copy of the agreement was unavailable and they should have informed you. Our client, Intelligent Finance, also advised that unless you are taking legal action they do not have to provide the agreement to collect on the debt, and they have asked that we pursue this debt. We would be grateful if you would let us know how you wish to progress this matter. Your account has been placed on hold for 2 weeks to allow time for your response." Anyone have any thoughts, advice....

Hi Ida, Sorry its taken a while to reply but just wanted to say thanks for your help. I'll keep you posted on what's going on. C x

Ok, it was August 2003 when he originally took out his card and it was on an online app. I've just found correspondence from 2005 which says the original agreement will end on 5/7/05 for the chip & pin issue mentioned in earlier post. That was when the new Halifax Card Services agreement would come into effect but the letter actually says "please sign & return the CCA by 1/07/05" I can scan and post a copy of this if it would help?

Hi. Originally, it was an online app but when chip & pin was introduced it transferred from being IF to HBOS card services etc. because IF didn't have the tech capability to cope with c&p. The card was taken out at least 6/7 years ago and the switch between IF and HBOS would have been about 3/4 years ago. I can get more precise details but I'll need to check back paperwork. As it stands, Wescot closed the account and its now been passed to a company called iQor who seem a bit more agressive.

Can anyone help?

Can I use this arguement if its a Scottish case?

Here's the docs from today in PDF http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=6537&d=1235660584

Here's the doc's from today in PDF http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=6537&d=1235660584

Here's the doc's from today in PDF format CCA IFCard0001.pdf

I already have a thread set up re this but I'm not sure if it's in the right place and I'd appreciate some help. http://www.consumeractiongroup.co.uk/forum/dealing-debt-scotland/179807-westcot-if-credit-card.html http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/179808-westcot-if-credit-card.html My husband has an IF cr card which has been passed to Wescot for full & final settlement. We sent a CCA request and w e've received a response today from Halifax Card Services who administer IF Cr Cards. My husband has not signed this in fact it looks like a std document to which they've added his name and address. They've also said in the letter that he was served with a default notice - which he wasn't - and the agreement was terminated 5th Jan 2009 making full balance payable. The last paragraph says: "Please note that the information we have provided you with is all the information we are required to provide you with under S78 of CCA. Please also note that we aer not required to provide a copy of the original signed agreement under S78 of the CCA." Can anyone recommend next steps. Wescot have placed a/c on hold pending the delivery of the agreement so expect them to be back in touch soon. I can post a copy of the letter and enclosures if someone can help me do it. Thanks.

Hi, We've received a response today from Halifax Card Services who administer IF Cr Cards. My husband has not signed this in fact it looks like a std document to which they've added his name and address. They've also said in the letter that he was served with a default notice - which he wasn't - and the agreement was terminated 5th Jan 2009 making full balance payable. The last paragraph says: "Please note that the information we have provided you with is all the information we are required to provide you with under S78 of CCA. Please also note that we aer not required to provide a copy of the original signed agreement under S78 of the CCA." Can anyone recommend next steps. Wescot have placed a/c on hold pending the delivery of the agreement so expect them to be back in touch soon. I can post a copy of the letter and enclosures if someone can help me do it. Thanks.