Hi, I would say that they have now admitted that they are unable to supply you with a complete "true copy" of your executed agreement. Agree anybody? Jeff.

Ditto!

Hi, This, I think, is one of the threads where the claimant tried to prove the debt with copies of statements. So the defendant altered the copy statements to show the debt was owed by the claimant's sols. http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/90012-just-been-court-cl.html?highlight=bluetack Jeff.

There are all sorts of options open if this was the case.

The regs allow the signature to be omitted anyway. Jeff.

"That’s not to say that we are entering the DCA market, but rather that we are starting to see demand from our clients to help them recover the maximum from their own distressed portfolios in partnership over the long term instead of them taking a big hit on valuation today through a straight sale." So, are they admitting that they're not a debt purchasing company? Therefore they have no right to start litigation? Jeff.

Hi, Over 3 three years now with most creditors. Plenty of threats etc. Usually passed from one DCA to another. Only one has so for tried to take the matter to court. They failed!

That is my understanding also.

Hi, It is indeed. Jeff.

It's either Katy Hoey, Tessa Jowell or Keith Hill. These are the three Lambeth constituencies MP's. Jeff.

Which constituency? There are three covering Lambeth. Jeff.

Lovely stuff. They dig a hole for themselves and gradually make it bigger. You couldn't make this stuff up.

Yep, that's sort of what I meant.

Or send them another letter offering one final chance of settling the matter!!

Hi, To play it safe I would send it to both area's TS> Jeff.

Hi all, I have at last received something in response to my CCA request. It is no more than an application form. That's it! No T's & C's at all, whether original or latest. Just one piece of A4 paper printed on one side only! And it is missing the prescribed terms! I will scan and post it up when I can find my scanner. The missus has put it away in a safe place somewhere! Also received all the statements, so will be going through these later to see if there are any charges added etc. Regards, Jeff.

Hi, I've subbed to you thread. Very interesting! If they can no longer trace your account, then may I suggest (or rather you suggest to them) that it may no longer exist! Good luck. Jeff.

Hi, I agree, attend and go for costs. Good Luck! Jeff.

Hello sunflower, I have found the thread mentioned in one of my previous posts. I got it slightly wrong in that it was a copy of a statement that the O.P. altered to show that it belonged to the sols. This was because they couldn't produce a CCA containing all the prescribed terms and so tried to say the statements proved the alleged debt was owed. Anyway, you can read and enjoy; http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/90012-just-been-court-cl.html Fill your boots, Jeff.

Hi, Off the top of my head I can't remember which thread it was but if I find it I'll let you know. Other Caggers may also be aware of it. P.S. On the back of your demonstration agreement you could also copy any terms and conditions that you see fit! (Two can play at their game;)!) Jeff.

Hi sunflower, You could also provide the court with a photoshopped agreement containing, for example, the solicitors name and address etc to demonstrate exactly why the original agreement is required. (Somebody has actually done this!) (I'd mark this copy "FOR DEMONSTRATION PURPOSES ONLY!" in some way if I was you.) Jeff.

I have e-mailed Hillesden's pointing out to them that my CCA request is still outstanding. The have now responded, telling me the account is now on hold until they receive the documents. Of course, Apex have already informed me that they were unable to acquire said documents and returned my £1.00 payment. So, the next chapter should be fun. Jeff.

Put the link in your signature. I've tried to but it doesn't seem to be working! Jeff.

Hi all, Does anyone have any e-mail addresses for Hillesden or dl & collections apart from debt.post@dlcollect.co.uk ??? Jeff.

Hi, I have now received a follow up letter from dlc. They are now threatening legal proceedings pronto. And, of course, the usual threat of charging orders! Jeff.