Hi ive never payed any money for this debt ad never achnowledged it.Have i done this right can you see them

Thanks once again but i have moved a few times and i dont think i was there at that time but cant find nothing to prove it.So i guess i will have to wait for credit files in the meantime is the debt staue barred please.I will try and scan it and put it up.

Thanks for reply Yes i done the CCA and no i wasnt living there at the date on the credit agreement.I am waiting for my credit files to be posted to me but what do i do in the meantime to keep these from taking anything further.Is it statued Barred as it gone past the 6 year mark.Also i got the CCA from them but it cant be right as i wasnt at the address shown on it at the time thanks

Can anyone help or advice on this.I received a letter from a DCA for a debt of £12,000 in which i dont acknowledge the debt.The address which they have got i lived at 8 months and never took this loan out.It looks like my signature is on it but i think the copy of the CCA must be a forgery as i know there wasnt a loan took out at this address they have.Also the dates on this so called agreement is 26.3.4 is this statue barred.Ive sent a letter of i do not acknowledge this debt.they have sent me a default notice.What step now do i take.They also sent the document when the loan was sold to them this was 5 years ago they bought it,but the CCA has the 26.3.4.

Any one heard of these T.B.I. Financial services LTD,ive never heard of them seem to be pretty new cant anything on them.

Thanks for all replies but im not 100% it was 6 years on the big one but could be round about.How would i find out if it is as dont want to send statue barred letter incase its not.Should i request a CREDIT AGREEMENT.As i really need to sort this out as where the letters are going now they know my new address and not happy because i did not redirect my mail.The big loan was sold onto them in 2005 but the bank name i didnt take a loan from them.Just wondering if someone has taken a loan out in my name cant check with credit reference agencies as i dont have CC to do it on line.These letters where dated 3 weeks ago so something can be happening as i speak dont want to go to court.

Thanks so what letter do i send to them as these 1st letters ive received was sent to a old address and the occupants have passed them on to me.So i need to inform them of my current address so i can also send them a letter to prove the debt is mine.

Hi all ive just received letters from 3 diffrent DCA regarding so called debt from a previous address from about 6 years ago. 1.£11000 which was a £5000 loan due to circumstances couldnt pay ive noticed that the bank name is diffrent to the one i took out,so i need to find out info and if its statue barred,what letter do i have to send these. 2.Letter from DCA regarding a water bill £500 but i was paying monthly when i was there. 3.Letter from DCA for a debt for £1000,havent a clue what it is. Any advice what to do or what letters to send as im a bit dubious about these debts as it was a rented house i was in and the landlord was a bit dodgy. I cant exactly remember the date in which i lived there but roughly about 6 years.Ive been threatened with court so i need urgent advice please.

Thanks for that you a star.Here goes

Hi ive tried posting on here before and they never go.Ive tried allsorts it says file to big blah blah.Ive got them on photobucket but cant post them.Thanks

Hi ive received a solicitors letter giving me 14 days to pay or im going to court its regarding 1st Credit as the debt was sold on to them.Ive been dealing with them since March 2007.Previous to this solicitors letter i received a letter stating they were going to make me Bankrupt.Ive done the CCA thing and the T&Cs looks like they have been printed of somewhere as the date on the seperate sheet is 2006,the actual debt which they are chasing was supposed to be took out in 2003. Do i just sit back and wait for the court letter as the 14 days are up on Saturday.I hope someone will guide me through it.Also the T&Cs are on 2 seperate sheets of paper printed off.Any one with any advice for me please.

I failed to tell you that they sold the car at auction for £96.00 and has had no paperwork regarding this just a telephone call when they asked for the money which is still owing. Its disgusting letting a 4x4 go for that amount and then hound you for the money.He didnt want this to happen it was marital problems,loss of job blah blah.Thanks anyway for the advice much appreciated.

My friend took a car out on Finance With Welcome Finance after 2 years he fell behind on the payments due to no job.They have now repossessed the car .The car at the time was worth £4,995.He paid for 18 months £220 per month,now they are wanting £7,500 even though they have car back,can anyone shed light on this and would there be anything to claim back thanks.

In March this year i CCA 1st credit,i received the usual reply that they would be advising our client and the result would be sent ASAP.I received an application CCA,i think 1st credit have bought the debt from *******card as it states in the first letter the debt had been assigned to them and all payments have to be made to themselves.( in accordance with the DPA 1998 we will comply with any request for a copy of the personal info about you that is held on our computer for £5 blah blah.The thing is ive never heard anything until this week a letter saying they are going to issue a SD for bankrupcy.The thing is the account number they have is different to the one i have,have they got a leg to stand on.Can anyone advice me on this matter as i think they mean business and looking at the amount they have already added about £400 ontop of original bill.What can i do now.All advice would be appreciated thanks.

I received my CCA yesterday from 1st credit DCA which i requested on the 18/03/07 they must be acting on behalf of Barclays as DCA never said they owned the debt.As i tried yesterday to upload picture i could not do it.If anyone is willing to have a look for me i will e mail it to them,just to check it out for me.Im not trying to get out of anything but £600 has been put ontop of the bill.Also ive never had any response from Barclays for 1 year even though i told them my new address.What is bothering me also when i got divorced and changed my name back to maiden name i never signed anything for this name.They sent me a card in my maiden name but aggreement in old name .On the agreement its not signed at the bottom by them,only me (in previous name).Also it states at the top :If you have been asked to forward documents with your application,please remember to enclose original copies.The CCA needs to been blown up its a bad copy.Has anyone had a CCA which was an original.Mine is a photo copy should i of received an original im confused .HELP as i know DCA will be on my back seems they have sent this.