Hi, My husband owes around £1,950 from his April 2012 tax return and this was passed to a DCA at the end of November, and is on his fifth letter "Final Demand" (up from Reminder Notice) from them today, dated 7th February. It says he needs to ring them by Friday and "DO NOT WRITE", to arrange payment and that they may be able to enter into a repayment plan. At the end of the day, it HAS to be paid, but it would probably take until August to repay, by which time we are late with this years tax. Are they likely to accept this? Should we contact HMRC directly? Any advice would be gratefully accepted. Thanks, Ruth

We all know how hard it is to stop these constant dca calls. The ideal solution would be to get your number removed from their system. I tried a cheeky method and it worked. I diverted my phone calls to .............wherever you want. when they realise its obviously a wrong number they remove right away. you need to be creative in where you divert it to. Only do it for a few hours or you may forget to undivert!!! Places that are sure to get your number removed....banks ( that's the best ) insurance companies, speaking clock, police ( only general enquiry number ) the bbc the oft etc. Have fun

I've been living in Australia for over 4 years and recently DCA phoned my in-laws looking for me, obviously regarding some old UK debts. They didn't say what they want, my mother-in-law told them I don't live there and they just said to her to tell me to call them with a reference number. I know what they want, but my in-laws don't and I don't want it to escalate and they start harassing them. How can I put a stop to it? Shall I write to them and tell them I'm living here and to stop contacting relatives as it's illegal? Shall I give them an Australian address to send any correspondence? Thanks for any advice.

I've been wandering around the site, and have a question/s and they kind of cover various subjects Statute barred debts do not appear on CRA's - is that correct? Only debts that are currently enforceable should appear on CRA's. When they become statute barred they come off CRA's When someone has DWP overpayment debt, do they appear on CRA's? - I know there is this whole thing of whether they can be statute barred, or not, or that they can behave different to other statute barred debts.. as they can take money from you when you next claim any benefit. But surely, if it can be statute barred, then the DWP when using DCA's should be obeying to all the rules.. not harassing people, make threats, being misleading etc.. as in what DWP is one thing (being a government department and what DCA can do is another).

I have been in a payment plan with Payplan for over 10 years, and Robinson Way had my Sainsbury's credit card debt of around 700. today I have received a statement from Hoist. I was never informed of this being sold on, do they not have to inform me?

Hi guys and girls well its been a while since ive had to ask for help regards DCA but once again from the depths of hell they have sprung up again. (by the way your help got rid of all my old "so called debts" I thank every one of you). This time a certain bank asking for 1.500 from an old account which i dont have anymore which was put in to dispute by me last year and nearly 8.000 for a loan ??? thats the weird one as ive never had a loan. Stupidly ive misplaced the old templates for the letters i need to send so if someone could send me the CCA letter including the process after that i would be eternally great full . Also for the 1.500 debt the DCA have kindly sold it to a second DCA when it was already in dispute from last year so i need the "you have sold it to a third party letter" hahahaha so maybe thats one so called debt i can write off. Once again hi to everyone and i hope your all well. Me.

When providing a DCA with an I/E form, what sort of stuff is considered reasonable or necessary? As I'm currently on JSA but live with parents so I'm not a main bill payer for the main stuff, but I do pay my parents weekly with what I can afford and I pay for a lot of stuff for myself, food etc and hardly seem to have much left over. The balance of the debt is £250 and I've proposed £1 or £2 a month until my circumstances change but my I/E form seems to suggest I have lots of money left over when it's not the case in reality. And how much of your disposable income do they expect you to pay creditors with? not all of it surely? how about emergencies etc? just don't want to paint the wrong picture to the DCA and them thinking I can afford more than £1 or £2 when i would struggle to do so when it came down to it. Cheers

Received a letter from Lombard that they are handing all my details over to Arrow Global on the 5th December 2011, today i received a letter from Arrow Global saying that Westcot Credit Services will be collecting the debt on their behalf and any dealing regarding this debt are to be addressed to Westcott. The last correspondence i had with Royal Bank Of Scotland and their debt collection agency "Arden Debt Management" was a letter sent recorded saying the account was in dispute. Arden went quiet However Lombard sent me statement on a regular basis and then they sent the letter stating that they had sold or transferred the debt to "Arrow Global" Do i do anything at this stage or do i make the first move to Westcott stating that the debt of £1727.71 is in dispute with the Royal Bank of Scotland and they have bought a duff debt. Can they put a mark on my credit file if i don't play ball. Can Westcott legally chase me for the money.

Further to previous postings on this subject I regret that: 1) My husband is still being contacted by letter from the CCS for the HMRC debt when they are well aware another DCA (namely Apex) has been instructed and they have been provided with Apex's contact details - They are contacting my husband saying he is seriously in arrears and are demanding the payment in full and) 2) I am still being contacted by letter by FPC when they are well aware that the matter had been closed with them and now subsequently (thanks to Lee at Vodafone) amicably settled. They are still contacting me demanding payment of the sum in full. I now wish to complain to the OFT - I have gone through their guidelines and think I have identified several areas that both DCAs are in breach of. Could somebody contact me and advise how I proceed?

Hi everyone, I'm just wondering how it is that I have been contacted by a debt collector that called me from aa number that shares my area code? It's a real pain as I really don't want to talk to them but when I seen local area code assumed was one of my family or friends. I didn't go through the security questions so didn't have to talk to them but just annoyed they can do these sneaky tactics. Is this method all above board or should I complain?

HI, quick question(s) - I have a stack of credit card debts - haven't paid any of them for more than 2-3 years - long story - happy to elaborate another time, if it helps. But some accounts have been passed from DCA to DCA - including their 'internal' legal dept and all sorts of usual [naughty word]. Question is this: I've had all levels of threatening action letters for all sorts of DCA - but is any one of the these guys more powerful than the other? Why haven't any of them followed thru on their threats thus far? I'm hoping to let these debts all go statute barred (in Scotland = 5 yrs) - it seems every single one of them have no real copy of credit agreement - this was assessed a few years ago - and some have sold debt along the line to - a few without even giving a notice of assignment etc... SO, should I be worried as time marches on that one DCA is gonna play more hardball than the previous ones? It is impossible to pay the debts back now - huge amount of them (I was cheated from a business partner and lost everything) and there's no equity in house etc.. . In essence, there is nothing for them to gain, whatsoever, to take things legal - there's nothing for any of them...? Any advice folks?

Hi All, I had a credit card debt in the early 2000's, the debt had been passed through numerous agencies and I paid this throughout this time. Having read through numerous sites and happily finding CAG. In 2009 I issued to Equidebt a s.77/78 requesting the consumer credit agreement and they responded 14 days later stating that a request for the consumer credit agreement had been placed with their vendor and until the matter was resolved no further collection activity will occur. Nothing happened then until November 2011 when I received a letter from Equidebt stating they had recently reviewed my account and that a balance was still outstanding. I am not certain if I responded to that letter or if I did it would have followed the line above in that I was still waiting for my requested copy of the CCA. I received no further communication from them. From this I assume that no copy of the CCA is in existence or it would have been produced by Equidebt or Credit Ancillary Services which seems to have been one and the same organisation sending me letters at the time with the same address. I have now just received a letter from Cabot Financial stating that they had recently bought the account and they are now responsible for my account and receiving payments. They state in the reference information that the original lender was Equidebt, which it was not, it was a Bank credit card but they do quote the credit card number. This debt does not appear on my Credit Report at all. To put a scale of the debt for information it is between £2,000 and £4,000 and the interest has been frozen for a large number of years and I have not made any payments for over 4 years. Question, should I ignore this letter or respond in writing requesting the CCA again from Cabot and referring to my previous request letter some 4 years earlier. I would appreciate some guidance on this as I do not want to stir up a hornets nest if not necessary.

Sorry to ask a thick question as I am dealing with multiple accounts on multiple threads and my head is spinning a bit. Are mobile phone accounts from years ago (since picked up by Cabot Financial - originally Vodafone) subject to the same rules and regs surrounding SB, CCA etc etc? Thanks.

A couple of weeks ago I had a letter from Zinc, they had bought an old debt from Capquest (who had given up on me after ignoring them for abour 3 years) who in turn bought a debt of £600 from Vanquis Credit Cards. They have started calling, I must say they are more aggressive than most DCAs. Anyway my brother took the call (I live with the parents) and just said he hadn't seen me for a while and took a telephone number from them. My question being, if I did CCA them, I know it's a bit like how long is a piece of string, but what liklihood would they have of being able to come up with a credit agreement and how long do they have to find this. I have never CCAd before so its new to me. Thanks in advance

Hi All, Read on the forum that the OC's and DCA's are becoming very litigious of late. Was wondering is there any particular reason for this or is it the way forward for them.

"]Hi I have a DCA chasing me for an old account with BT I left them because of the awful way they treated me, I am still claiming JSA What is the best way forward please The account is showing closed on my credit file with a default registered on July 2012 but nothing since. Is it the DCA company doing this I have thought about a make a offer letter I have read other threads re defaults and if unable to get removed. Thank you

Hi, It’s another topic from a long time reader, as itseems that I don’t have the applicable knowledge on here to contribute to thewealth of experience of other posters. Thanks in advance for taking the time to read this I throw myself at the mercy of the forum, and any advicethat you can offer regards to my current predicament. History:- Back in 2005 myself, and a business partner had abusiness account. We were not limited, just partnership. The business grew, more cash flow was required, and soonan overdraft of up to 23k had been run up. We were expanding rapidly, staff andstock.. The overdraft was extended numerous times, in smallincrements each time incurring a £500 arrangement fee. This was never once,signed for, at one time, it was done twice in 1 month where the manager hadupped it twice, after being asked once.. After trying to chisel away at this, and reducing thesum, on the advice of a business manager, it was turned into a business loan.It was less interest, and looked better to the bank to be seen to repay it. This happened simply by talking about it, on the phone.An email was requested to confirm that’s what we wanted to do, but this wasnever sent. ( im male, and it’s in our nature not to do as asked sometimes). Thefunds landed in the account. Payments were made on this up until the recession starteda good few years back. When we couldn’t afford the payments. It just neverseemed to end. Payments were crippling us, they kept increasing also. We had itback down to just over 10k when we couldn’t pay anymore. So, we worked out somesums. Working out what was left to pay, and what we have paid,meant me had paid over 25k back, and yet had another 10k left to go? This didn’tadd up, given the term of the loan, and how long it was paid, that the 10Kwould not be paid within the timescale of the alleged agreement. This andcaused us to start asking questions. At the time, the overdraft was under 3kalso. We had (due to financial reasons), stop paying, approx.2008 and we had banked with another high street bank for a while before this,so the business could be run under a new name, while it was being closed. As the old business ended. I sought work elsewhere, andthe partner continued to run what was left of the business. After no payments were made into the account, they tookover a year to phone the business and ask why? We asked for confirmation of anydetails verbally to managers, regarding copies of agreements as we felt we weretreated unfairly, and they never phoned back. More time passed.. and we gotletters every 6 months informing us the balance. After seeking advice on here in 2011, I requested a CCAfrom them, with the 1£ PO for each of us, as per the template on this site.Nothing. We sent another six months later, Nothing! so they’ve nowhad over 2 years to respond. Over a year back, my wife’s mobile phone rang.. Andsomeone on the other end, not saying they were from RBS asked if a (my Name)was there, and was it the same ( My Name) that had a business called (Businessname) ?? They then said it was RBS, and could they talk to me. She said yes, that’s my husband. She put the phone onto myself. The conversation was very vague. I informed them that the alleged account was in dispute,and that details had been requested. They also asked, repeatedly, if I had acopy of anything, I said “I had something, but not sure what it was”. They keptasking.. “do I admit I had an agreement”.. I would not answer this. How they got the wife’s mobile, is beyond me. I had thesame phone number at my house/previous house since 1998, and the same mobilefor the last 8 years. Yet? they didn’t have my details? I may have what looks like an agreement, however it’s notsigned by me, the other partner, or the bank. There is in fact no signatures atall, or provision for one. There are no dates, and the sections regards to paymentsare linked to points which don’t apply, or not there. It’s so vague, it doesn’tcover much. Over a two years ago, they have since sent me the firstletter ever asking me to talk about a repayment plan. Followed moths later bytelling me that they had passed the debt onto a third party collection company. (I have dealt with an HSBC loan a few years back, ofwhich we settled before it got to court, and looking at how quick that moved,makes me think that RBS may be hiding something. The HSBC did NOT mess around,from letter of default, to court form in under 3 months) There have been numerous agencies that this has been soldto, Triton, Zinc (nightmare), Westcott , I’ve lost track. I have not acknowledgedANY in writing, since in my opinion, since RBS did NOT send a CCA as requestedall those years back. There’s been over 10 differing agencies, and letters fromRBS every 6 months telling me that the new collection agency will be XXX I have a drawer full of letters, threats, act. There’scalls to my mobile, of which I had given them as they were calling my wife inwork, asking to speak to me. Despite informing them that its nothing to do withher, she still gets calls now. She has ended up blocking them. Calls to me, happened several times a day, in work, home,after 6pm.. I had to change my number. Almost harassment, and job costing. Yet, over all the years, the ex-business partner remainsUN CONTACTED, despite mobile being the same, same address and so on. Im thinking it was a fishing call, and there only lead, that’sbrought this. I also think that fishing to my wife’s mobile, to ask for me, isa grave data protection breach of her records. And, sending these details toother parties is a further breach. The current agency, is Tenon, and again, no communicationon my part. A few letters inviting me to London (Could not afford this) andthen the threat of a home visit after 6pm, over the next few weeks to discussface to face. This puts a burden on my relationship, and suffering fromdepression/anxiety, compounds the situation. What if my 6 year old answers thedoor to someone? The wife is Overall, it looks like the goalposts were moved, andrates/payments/arrangement fees were repeated added onto the balance, which isnow 25k ish. ( funnily, it’s never gone far over it, over the last year orso..) Over 12K of charges, and fees. In the 6 month statements, they debit theloan payment from an account, then charge an overdrawn fee, then return themoney back as it was overdrawn, charging for the bounced DD and returnedpayment.. Charge city.. The total figure consists of 2 accounts combined, 1 anoverdraft, and 1 loan. I cant make head or tail of any figures, as they changeper DCA, that just demand 1 amount. A date for SB is not known exactly, but by memory, isnear. I don’t know exactly when, as there are no dates on anything I possiblyhave. My Experian/Equifax is clear, except for a satisfiedCCJ.( nothing to do with anything here) No defaults, no delinquent payments. Not sure where to go from here really… But I need thisending, its making me ill, and I can see why so many people can just fold,calling it a day. Im not ready to roll over just yet. Im thinking SAR, but If they have no details on me, thenwill an SAR give them something.? The only legal advice I’ve had, advised that the courts won’tbe interested, unless they can provide a CCA, is this why so far, were still inthe DCA route for 3+ years? Any advice would be welcome. Thanks. Loops

Rossendales sent a letter last month, which got ignored and filed in the bin. They have just sent another one which looks like a wage slip with perforated edges saying i will be visited and the usual rubbish. Not had the pleasure of this bunch yet!

Hi, I had a letter a few weeks ago from a company called Robinson Way. I had never had any dealings with them and so just ignored it, then last week I got another letter informing me that NAT West had passed a debt to them and I had no prior knowledge of this. recently I had a call from an 0161 number and when I checked this out I found the call was from Robinson Way. I do have a debt that I have been paying for about 2 years at the most I can afford of £100/month. NAT West had several times tried to put pressure on me to pay the 20k loan back but I have been unable to recently and that's why I offered the £100 per month. I must admit I have moved around a few times over the last few years (and about to move again incidentally). In the midst of all this I have had no communication with NAT West although I have still been paying the £100 per month. It obviously looks like the debt has been sold to the Robinson Way DCA, although I must admit I am only assuming this is the case. So far I have not contacted Robinson Way or Nat West as I am still not in a situation where I can resolve the debt. In light of the fact that Robinson Way will most probably start harassing me, could I just ask for some advice on what my options are and how much power do these people have, given that I a) dont have any sort of relationship with Robinson Way b) I have/and still am paying the £100/m to Nat West (Triton). The original debt dates back to around 2007, when NAT West unsecured a loan I had on my property unfortunately a series of things hit me that meant I had to leave work and that had the knock on effect of me not being able to honour the agreement/payment. I have no idea if the debt is 'statute barred' or not at this point, I am now looking for any of the old paper work I have for the loan. Many Thanks for any advice and help you can give me on this. Best Regards, J.

Hi, I've been receiving letters from Capquest re a Next Directory account and thanks to reading the helpful posts on CAG I sent them the CCA request letter recorded delivery on 1st June. I received the following letter back dated 3rd June:" Further to recent contact wtih our office and your request for further information in relation to the above account, we would confirm that your account is now on hold for 28 days whilst we obtain the information required. If you have any proof of payments or correspondance that would assist with your query, please forward these documents, with a brief covering letter to our Collections Administration department, so that we can resolve this matter as soon as possible." Obviously I didn't assist them and sent nothing. Then I received this letter dated 8th June:" Further to your recent correspondence and in order to process your communication further, we would request you provide the following information by 17 June 11 to assist us in resolving this matter. Proof of residence at the time this account was opened: 1st December 2008 Your assistance would be greatly appreciated. Please note this is not a demand but a request.&quot ;My question is what do I do now? I'm not going to kindly assist them by sending them anything and interestingly I'm pretty sure that the account was opened well into 2009. Do I send them this letter from the library and then what? Or do I wait? Help, confused myself reading too many forum posts.

Hi, I stumbled across this site following a recent incident involving a DCA. My situation is a DCA chasing me for payment on behalf of a business in my ex-wife's name. I have 2 issues really one it's the ex-wife's and I'm left carrying the can. 2, That business has ceased trading. As a result I'm on a really low income as a new singleton I wonder do I have any recourse with the to not "recognise" the debt or argue the case. It's for £500 should I just cough up small amounts to clear it and my name or what should I do please? I received a series of letters each getting more menacing, the last one was a 7 days or its' going to court type. Never had bad debt before like many scared of the ramifications of it but don't really understand it! Any advice gratefully received. Thanks.

Whilst going through a period of ill-health, I recovered to find my finances had taken a severe knock. I had a £500 Overdraft with Smile that had a charge added on which pushed me into an un-arranged overdraft, they then decided to reduce my overdraft and it all went bad. The account was suspended. I rang them up and agreed to pay £100 per month off and be done with it, 3 months later due to an issue with the ESA which I was receiving, I stopped paying. This was around 7 months ago, December 2012. Now the truth be told I've been kind of hoping for contact so I could ring them up, attempt to agree to a suitable payment plan, or failing that - open dialogue via mail and clear this off. (I've just finished paying for something at £200 p/month, so it's perfect timing) However, I'm not sure who has the debt now - if the co-op still have it or if they've passed it on to someone else.. I also want to ensure that the balance on my Credit Report will be updated if I do pay this off. I've removed references to another outstanding issue for a new thread on it.

Hello I wondered if anyone could answer this question for me. If a DCA buys your account do they have to have a cca to prove the debt? My account was sold to Lowell and the say they hold no information before the date of purchase. Thank you

I had letters from TBI demanding money for a debt.. i didnt know about anything CCA or how they should handle things i filled in a form to say how much income i can spare and sent it back they sent me a card to pay using paypoint and i have done a couple of payments is there any way i can stop paying them as i didnt see any CCA forms off them as i was a bit niave glad i came here so far!... any help please? thanks

OK SO I HAVENT PAID VIRGIN FOR 3 MONTHS BUT BEEN IN CONTACT WITH THEM WEEKLY TO ARRANGE A PAY DATE. I HAVENT BEEN USING THEIR EQUIPMENT (BOXED AWAY). Monday I received a card saying somebody had been to pick up the equipment but missed me whilst i was out. Fair dos. However yesterday i received a letter (1st and only from a dca regarding this) from a dca saying i had ignored all previous correspondence and threatening with home visit etc. Obvioulsy i know my first port of call is to send the template regarding visiting my property. Just curious as to what else to include, given i have had zero previous correspondence with the dca. thanks