Those tiny Olympus digital recorders can do 300+ hrs of high quality voice recording. Be interesting to have one running during the training sessions - bit hard to blame any malpractice on rogue staff then:).

ALWAYS by letter:o. You'll want to file their reply carefully too. You have put yourself in a very strong position by not burying your head in the sand here - it's a huge advantage to start documenting everything minutely before the lender even knows that there could be a big problem.

Tell them to sit on it and spin for the time being. Just say you are selling 2 other properties (true) and will "be in a position to sort the problem out when they complete" (also true). Try to give them the impression there's cash in the pipeline without actually saying as much. It's very important in case it goes to court that you don't actually tell anyone any porkies;).

Don't offer anyone anything yet. If it turns out at £100k I'd make sure all your creditors knew the position. You then offer them the choice of an F&F you can afford or bankrupting yourself so they get nothing at all. I feel you will get some tempting offers;).

I heard she was banned, don't know why no one will tell me. I have swapped personal details with Laiste in the past with no ill effects. Putting 2+2 together Richard Spud quit because someone somewhere rumbled his true ID.

The back pages of Exchange and Mart has prozzie adverts for "asset abuse":grin:Imagine if female DCA's rang their customers and got told "yeah CCJ me baby ohh c'mon. :D:D

There are several ex-DCA employees posting here.....they could save you from completely wrecking your CV's;).

You bet. If I ever got back there again I'd save like Scrooge and wouldn't borrow anything. I started out in life hoping to be a good example but now have to be satisfied by merely being a terrible warning:D.

It seems to have vanished. Try this: Dear Sir, A/c xxxx xxxx I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a postal order for £1, this being the prescribed fee. 2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. Yours sincerely, Heathermc (don't sign it with your usual signature)

PM rory32. He's an expert on this one.

IMO the signature is not the issue here but you would certainly point that out in any defence. The real point is that an application form is not an enforceable credit agreement.

It's an application form and the general consensus is that it is unenforceable but complies with the CCA request. I've never heard of anybody having a problem with Barclaycard's application forms. How old is it.

I don't think there is anything unethical about using the law to get rid of OC's or DCA's -IF your financial circumstances change drastically. I was separated and made redundant in the same year and my household income dropped from six figures to around £12,000 pa. What was a reasonable amount of debt for my circumstances suddenly looked like raving lunacy. I CCA'd away £80k of debt and went into token payment plans for the few thousand remaining. The bottom line is the only alternative was bankruptcy in which instance nobody would have been paid anyway.

VV see http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/108949-short-warning-thread.html point 2. It's probably illegible because you CCA'd before the ink had a chance to dry:). The best route here IMO is the token payment route, not a CCA. You might catch them doing wrong things and get a bit of a counterclaim in court but whats most likely to happen here is they will eventually sell it to a DCA who will sue you. Send them a budget sheet (I wouldn't include the trip to Florida:rolleyes:) and try and get them to agree to a fiver a month or something.

I'll concur with you there CB. I love the last paragraph of your letter. It sort of turns the old "ignoring this will only make it worse" DCA threat on its head:D.

Close are not really a DCA. What they will try and do is sweet talk you into handing the keys over. I had their rep round and he gave me all the court / repossession spiel and how it would be much more sensible just to hand the car over. I said yes it probably would but I need it so I can't goodbye.

CCA them now. It will either take the debt over their statute barred time line or become unenforceable anyway due to lack of agreement. Furthermore, they wouldn't be able to get into court before 31/12/07 so it's all a bit academic.

Re overdrafts: you can CCA. I and others have done so successfully. See: http://www.consumeractiongroup.co.uk/forum/general-debt/42751-natwest-bank-ccj-bryan.html http://www.consumeractiongroup.co.uk/forum/general-debt/48764-being-taken-court-joint-12.html I had much the same experience. Chalkitup if yours was a NatWest sole traders acount it would be covered by CCA 1974. I know mine was.

"i have crossed out for the last two years any permissions for a credit check,to date i have not had one objection,a few raised eyebrows perhaps but who cares they have a choice then to breack the law thus giving me a clear mandate to begin an imediate prosecution,this is the option i choose to use and if i get a no then i have prepared myself for possible rejection whatever it is." Duh!! That probably is the best thing to do. It's a bit like keeping your mouth shut and having people think you are an idiot as opposed to opening it and have them know for sure:).

Very good point NO!!!

Pity. They'll probably start hassling for more money somewhere along the line but as long as you keep up with the payments it's problem sorted. Make sure you have something in writing about the SD being discarded.

I think you will be hearing from crapquest soon:-)

Maybe a mod could merge the two threads on this???

It's not the first DCA induced suicide sadly. It goes to show how badly this "industry" needs to be reined in.

Yes. You might need to prompt the CRA's to update their records though.