Indeed. It's their own time and money they're wasting, but I did also want to ask who tied his shoelaces.

Just had a lovely chat with someone at Mortimer Clark. I'll call him Matthew, for that was what he called himself. He declined to give me his mobile number, employment status or value of rent or mortgage - but I guess that's only fair since I declined the same information. He was very keen to discuss a loan that "their client" apparently bought from BlackHorse some time ago, but since I knew nothing about them and have had a dispute running on it for so long that I'd forgotten it ever existed, we didn't get very far. Hit stalemate regarding the dispute as I wasn't prepared to divulge any information not knowing who he was (I mean, not even giving me his mobile number - could be anyone!) and he had no information from "their client" or BlackHorse about it either. He did stop to share his concerns at one point though, and suggested I contacted the Police if I thought it was fraudulent, so I took his name and address down again (still no mobile number) so I could report his fraud, but apparently I misunderstood him and he was suggesting I report the initial alleged loan as fraud. Silly me! He very helpfully offered to get a copy of the loan agreement and associated information, and kindly confessed eventually that they were indeed threatening court action without sight of any agreement. All he could tell me was that the loan started in March 2005 and terminated in September 2010, with the last payment in August 2008. I left it that they would address all the previous concerns once they had the proper paperwork, at which time they'll also see how many other agencies have tried to pursue this alleged debt and swiftly passed it back when realising they had no right to. We almost parted on good terms, and I tried to save them a lot of unnecessary work and money by pointing out August 2008 was a long time ago now - more than 6 years I hasten to add. However, it seems for them the usual rules no longer apply and they can continue to do what the hell they like until 6 years after the formal termination/sale rather than 6 years after the last payment or acknowledgement of debt. If he'd given me his mobile number I could have text a link to the relevant laws! On a serious note though.... has the law changed here?

AIOF "sold" many of the credit agreements on to Aktiv/PRA - presumably because they saw what was coming and wanted to get some cash in - but they continued to administer the loans themselves still. I cancelled the DD shortly before CarCarft and AIOF went into administration, as the DD was showing as AIOF rather than PRA, and so I assumed this was the old agreement. AIOF contacted me shortly after CarCraft went into administration to chase the payments and I asked for clarification as to who owned the loan... heard nothing more since they are now also in administration. No CRA report made last month by them, and currently the loan is still recorded against them rather than PRA. Hoping it remains that way, but anything's possible I guess! It was mis-sold in the first place - they even applied for me to get credit on the DHP before asking if I wanted it! - and selling it to PRA was probably a little under-hand also, but arguing that may not be so easy.

I now understand why they sold the loans they had issued on these to another company a few months ago! DHP has proved to be pretty useless in reality, and had they been more upfront about the myriad of exclusions when selling it I'd never have made the mistake I did

and of course this relies on the fact that so few drivers flash their lights for the reasons cited in the Highway Code - flashing of headlights does not mean "I'm letting you go"

They're on very dodgy ground. Easy to say, but don't lose sleep over it. You could write back to CapQuest and state you are unaware of any unpaid debt to their alleged client, and ask for further documentation. Do so should put a hold on things as well. You might want to then continue the letter with the CCA template that you can find on here, but if you get them on a good day there is a chance they'll respond to your request without a formal CCA request (which you should include £1 for, though in reality I never have and it's never been challenged). Shame you've not got the receipt, but I would be very surprised if they are able to provide sufficient documentation to put you in a place where you are legally obliged to pay them anything with or without a receipt.

If it's any consolation NQ I had an almost identical letter this morning regarding a disputed and now also SB Abbey account that has already been struck out by the courts once - they're obviously on a roll....

All V helpful info as ever Rec'd SD from Mr Davies this morning regarding an old and long-disputed Abbey account. Abbey tried CCJ before but Judge struck out for non-attendance. CCA and DPA requests both ignored by CrapQuest too, and alleged debt now statute barred also! Anyway, feeling unusually generous I tried to call Mt Davies this morning to point out the error of his ways and give him a chance to withdraw his unlawful threats etc. Apparently the number on the letter is wrong - have to call the Fleet office on 0844 248 7981. Having done so was initially told he isn't a call centre operative, then he was mysteriously out of the office. Been promised a call back though - on an 0872 number with call recording of course - I even offered to delay my own legal action by 24 hours to give him a chance to get in touch. Will have a stab at the set aside process now!

Just received claim form N1 (via moneyclaim) from Anglian Water very much out of the blue. Having looked into it, it seems that the DD was never set up for some reason, but wanting to know the best way to proceed. POC states "The claimants claim is for charges fixed by the claimant as a water and/or sewerage undertaker pursuant to the water industry act 1991 in respect of the premsies below, for the period 1 Jan 2006 to 27 Mar 2008 "Particulars of claim - The claimant claims the sum set out alongisde being the amount due and outstanding from the defendant In resect of 27A MY TOWN POSTCODE" OK, so I've been a prat and should have realised sooner etc etc, and the bill amount is correct. The POC are not, however, and being disabled and unable to work any repayment would be token. Is it best to just accept it and try to negotiate payments direct with Anglian? The balance includes an amount transferred from previous property so the POC is not technically accurate is the balance of charges is not all "inm respect of the premises below"... though a road name would have helped to define said premises! Could do without a CCJ on file, so how should I best move forward on this? Steve

just the acknowledgement for now...

in terms of 'home help' a Social Services assessment will determine care needs, which will be graded as critical/substantial/moderate/low. Different authorities will meet needs at different levels, for example some will meet only 'critical' needs, others may meet 'critical', 'substantial' and 'moderate'. They will then assess how much needs to be paid towards the care plan. No straight answer really, but is definitely worth contacting CAB and/or Social Services to see what might be possible.

It depends where you live. They will decide how many rooms you should need, and then base any calculations on the average price of houses that size in your area. This is changing, though, and will be more transparent under the new system. If you pay 800pcm for a 3-bed house but the average rent for 2-bed houses in the area is 650pm you will automatically have to find that extra 150 - they effectively work out all further caluculations as though your monthly rent is lower of the two figures. Hope that makes sense, Steve

Dave, where do you live? I'll happily look into advocacy services for you and see if I can locate anything locally for you. Is your disability just physical, or do you have mental health or leaning difficulties? Only reason I ask is that there are far more organisations offering advocacy and support if the latter is the case. Feel freee to PM me rather than reply publicly if you prefer. Steve

Disbaled Parents may find the following organisations helpful: Disabled Parents Network: Home Disability, Pregnancy & Parenthood international

read thread with great interest having just received MCOL N1 for a debenhams account which has been passed on without notice (claim states assigned on 2 Jan adn notice given, issue date is 7 jan!) Shall be sending off the template letters provided inthe thread and waiting for a response. LBA'd GE some time ago and had a partial settlement, but not been well and done no more about it since... Steve