Defaulted on an Egg CC 6+ years ago, passed onto Cabot in 2008, did the usual with CCA/SAR. I got my SAR stuff through 27 months after requesting it from the DCA who Egg had sold my loan on to. I haven't paid or acknowledged the account for over 6 years, so its SB anyway. I noticed on my statements in the SAR (2009 ish) that there were some strange payments to it - 'DCA Payment - Thank You'. Is this a sneeky trick that DCA's use to keep accounts active? And now they are saying that I have 14 days to pay up or else...yeah right! SB letter on way. And the fact that they have also sent me a copy of my supposed CCA is a joke. The name is wrong, address is missing, no signature. I'd be interested to know what that payment is? Cheers

Hi There, Been getting chased for an old debt with a well known catolougue company, sent the signed agreement request letter, after a couple of weeks I got a letter back today basically saying. "your original creditor has provided us with the attached reconstituted copy of the credit agreement you entered into with them, which they confirm you would have signed prior to the granting of credit to you". Under 77/78 of the consumer Credit act of 1974, we are not obliged to send you the exact copy of your signed agreement. We are permitted by those sections of the consumer credit act 1974 to provide you with a reconstituted copy of the version you would have signed" Anyway not sure what my step is here, they have not supplied me with a copy of the signed agreement, what should my next move be?? Any help much appreciated regards

Hi, Due to bad errors in judgement, I have accrued 4 defaults on my credit file which I have recently been made aware of, 3 defaults (700+, 500+ and 500+) are from Lowell dating back to 1/2012 and the other default is with Natwest (11K+), 12/2011. I have come to realise that I am fully liable for these debts and wish only to sort out the issues now rather than later. I see various posts saying to avoid communication with DCAs but if it is my debt, I do not see what other options I have... The natwest default has been passed to moorcroft, who recently sent a letter to my parents address saying they have been asked by Natwest to consider legal action and I can only assume Lowell would have sent the same threatening letters. It is bad enough there are defaults on my credit history, so now I need advice in attempting to negotiate settlements with these companies. I initially drafted up letters to the original credit suppliers but would I be right in assuming they would only redirect me back to the DCAs and would not even accept a final settlement, only the full amounts owed... I am a student with no other income but student loans at the minute and this issue has been affecting me hard the last couple of days. If any template letters to arrange final settlements with the DCAs could be supplied, I would aim to take this action and hopefully rid myself of all the grief they are giving me. If anyone could advice on the defaults on my credit file as well, as they are constantly being updated with the default balance every month and although I can manage it being on file for the next 5 years, would be grateful if there was a way of getting it removed. Please help. Thanks

Hey everyone, I was wondering whether anyone has any experience in negotiating with DCAs without acknowledging debt? I know that on the surface it might appear contradictory, but it'd be helpful to be able to liase with them about settling the debt without restarting the 6 year timer every time. I know that payments reset it, so I'm only talking about arrangements that completely settle the debt. Is this possible? Has anyone done this? I've seen threads on writing to DCAs with non-acknowledgement telling them to go away, but no threads on negotiating with non-acknowledgement. I'd appreciate it if we keep this thread to people who either have experience with this, or have good knowledge on the laws in relation to this, to keep it an intelligent non-speculative post. Thanks. Rob

I'll keep the names of the parties involved anonymous. I received two letter yesterday from a debt collection agency on behalf of a utility company for two amounts; one for say £300 and the other for £400. This arose from last year when I was living with three international students, and we were all named on the bill - I paid my quarter promptly, however the other three left the country without paying. I am still a student and having to pay someone elses debt doesn't really appeal to me greatly. I have remained in the same property and my landlord has gone on the new title for the bills (we now have prepayment meters installed) and as far as they are aware I do not live at the property. The letters demanded payment for today's date even though I had only received them yesterday. I know that strictly in law I am liable for the debt even though I moved out of the property to return home for summer before the three international students. I informed the utility company of this but they refused to take my name off the bills after I had paid my share because the other three international students had also gone home for summer and it made it impossible for me to get their consent to take my name off the bill. Therefore, the bill ran up is from the 3/4 share that was not my bill as well as any more ran up after I left the property. The landlord has already covered for me and said he will continue to do so - my housemates have also said the same, so on paper I do not live at the property. My plan was to continue living at the property for another two months and ignore the letters. If I did this what would be the chances of them tracing me to my home address? If they found out I was living at the property I planned on disputing the amount for the facts mentioned above (my solicitor says that it is definitely grounds for dispute; this therefore returns the financial arrangements to the utility provider, cutting out the DCA). Another option is ofcourse to send a prove it letter but I do not want to acknowledge that I still live at this address for another couple of months. Your help, opinions and advice would be greatly appreciated!

I'd really appreciate any help I can get about this. I have been out of the UK for over 12 years. I after graduating and I left some debts... bad and irresponsible...but it is what it is. I have recently returned and set up a UK bank account and opened a secured credit card...with an aim of rebuilding some credit history. I got a full current account and my credit history with Experian showed nothing outstanding. Today my brother called me saying that someone called his home (I dont even know the postal address) saying the have a package to deliver to me. he checked the number and it was a debt collection agency. How could they get my brothers information...I seriously dont even know his landline number?? Also, arent all my debts now statute barred?? Its been 12 years since I lived in the country. He is going to get me the number.... what can I say when I call them? I want to shout obscenities down the phone... I am embarrassed and really upset...call me, thats ok....call a family member that is really messed up!!!! What can I do? Any advice would be appreciated.

For the last year I have had 3 debt collection agencies contact me in relation to a gas supply to a flat I moved out of in 2005. The gas bill of £111.44 is in relation to a period of 2006 to 2008. The previous 3 DCA's stopped contacting me after I provided a court order evicting me from the property, a letter from the landlord confirming my eviction agreeing full and final payment, and a letter that I wrote stating the same. It is really starting to wind me up now, and I have had a new debt collection agency contact me this week with another demand. How am I able to get this harassment to stop? Do I have grounds to sue for harassment? Any advice is appreciated. The latest DCA is Wescot Credit Services. Thanks, Steve

Hi All I am after some assistance with a complaint against Welcome finance I have made a claim for PPI with regards to a car that was taken on Lease and on the back of this, I am now receiving letters etc. from the Lowell Group stating I have an outstanding balance of £3071.60 The car was returned 4 years ago after satisfying enough re-payments to cover their early cancellation policy , a meeting was held with the area manager to confirm this and correct procedure was carried out with Welcome to return the car and documentation signed on collection. I used to live less than a mile away from their office and did so for a further 2 years after the the car was returned (I had visits on one occassion on the night payment was due as my card had failed so they knew the exact house as they wanted to walk me down to the cash point to pay) and had no communication from them with regards to this matter. Only now as I have made a claim does this appear. Upon speaking to their complaints dept. I was advised firstly that payments were made, then put on hold then suddenly I had an outstanding balance which they are unable to discuss further as the debt is now with Lowell Group and would need to speak to them. Please could somebody suggest where I go from here?

Hi Would like to have any suggestions on what to do.please. A debt with MBNA became statue barred in February 2011 and it was subsequently removed from my credit file by Experian. In November 2012 I started to receive phone calls from the DCA (which I didn't answer) and they left voicemail stating that they're calling about this original debt dating back to September/October 2003. These I ignored and by January 2013 I was receiving 3 to 4 calls a day for 4 days out of the week. One call was even at 8.45pm which but my back up. They also started writing letters to my neighbours during the latter part of 2012 enquiring as to my whereabouts and my address details, which I found to be an invasion of my privacy. They also started writing me letters "begging" that I contact them to pay the debt. These I ignored as the debt was statue barred and in September 2012 I wrote to them stating that the debt was statue barred to which they just carried on sending me letters asking for payment. September 30, 2012 Letter: "Dear Sir/Madam Acc/Ref No You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.” I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”. The last payment of this alleged debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from us in the relevant period under Section 5 of the Limitation Act, we suggest that you are no longer able to take any court action against us to recover the alleged amount claimed. The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to CPUTR2008 I await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter. I look forward to your reply. Yours faithfully" This letter was never replied to by the DCA. As a result of the phone calls and letters I wrote the following letter January 11, 2013 to them: "Dear Sir / Madam Your reference : I refer to your letter of January 2, 2013. For the purposes of clarity and the avoidance of doubt, please take careful note of the following : 1. This letter is sent to you to avoid any “miscommunication” and to give an unequivocal statement of intent. 2. This letter does not acknowledge any debt owed to you or your affiliates, agents, owners or otherwise. 3. I understand this debt was last acknowledged over 6 years ago and falls within the remit of s.5 of the Limitation Act 1980 (which, in case you need reminding, states that an action founded on simple contract shall not be brought after 6 years from the date on which the cause of action occurred). 4. I wrote to your company on September 30, 2012 explaining that I had no wish to pay towards a debt that was barred by the statute of limitations Act 1980. 5. I am now of the view that your actions are of pure harrassment and in breach of CPUTR 2008 in line with the Office Of Fair Tradings guidance on debt collection. 6. The same guidance states it is unfair to pursue a payment after a debtor has already stated they will not be paying due to it being statute barred. I am informing you once again, that even if the debt were mine, I would not pay it. 7. I am sure you are also aware of the provisions of the Protection from Harrassment Act, which makes it an offence to harass a person with a demand for payment, or concerting with others to do the same. Whilst the Act provides relief, it is available only where it is permissible in law to take the offending action (which, as pointed out, it is not lawful as it is statute barred), as well as that action being reasonable. I trust the above is perfectly clear and I now expect you to forward me your official complaints procedures within 7 days. Failure to do so will result in me filing complaints with the Offfice Of Fair Trading, The Financial Ombudsman Service, Trading Standards, my local MP, and Undersecretary Of State For Trade And Consumer Affairs. I hope this letter makes my position COMPLETELY clear." I also sent them the following letter " January 11, 2013 Your reference Legal notice under the Data Protection Act 1980 To: The Data Controller/Compliance Manager (their address and details) Dear Sir/Madam, Please be advised that this is a formal notice issued under Section 10 of the Data Protection Act 1980 I demand that you cease processing of my Data by any means whether written or electronically, with third party individuals and organisations. In addition to processing, this also means passing, ammending, sharing and management in any form of my Data in whatsoever filing, both manually or electronically. In compliance with the Information Commissioners guidance, I give you 14 days to comply with this request. The purpose of this request is that I am of the understanding that your continual processing/controlling of my data will cause distress harm and damage. Specifically because; (i) My credit worthiness is being or has been damaged by your actions as a result of your entries to my credit files, which relate to unfair charges currently in dispute, and found by the Office of Fair Trading to be unfair. (ii)That recorded defaults on my credit files by yourselves are in dispute. (iii)That I fully expect to show that adverse data was wrongly filed which would mean that earlier processing was unfair and unjust. (iiii)That matters in relation to adverse data you have entered onto my credit files are currently in litigation. (iiii) That the adverse data you continue to process, manage and pass on to third parties impedes my ability to apply for credit, mortgages or other financial services. (iiiii)That as a data controller/compliance officer, you have a responsibility under the Data protection act to observe all principles set out therein within the act. I expect an acknowledgement of your intentions to comply, and if you do not agree, your reasons for being unable or unwilling to do so. I will give you 14 (fourteen) days from date of this notice to forward this to me in writing. Under the Data Protection Act, a county court has the powers to order compliance of any breaches it sees fit together with compensation at the discretion of the court. Should you fail to comply, or give just and reasonable reasons as to why you will not comply, I will consider making an application to my local Court on notice to force compliance together with costs and compensation. Yours Faithfully" January 21, 2013 the DCA replied to state that after investigations that the debt was not statue barred as a payment had been received on May 10, 2011. This I find rather amusing as I was not in the country on that date and also I limited sight after undergoing major eye surgery which prohibited me from conducting any form of business for 12 weeks. After my letter of January 11, 2013 to the DCA all phone calls and letters have ceased. The DCA letter also states that they're within their rights to now pursue this debt as payment was received on 10 May 2011, however I did not make any payment, as why would someone give a token payment after the debt has been cleared as being statue barred. The DCA has now reinstated the debt on my credit file, after it was removed as being statue barred in February 2011. I wrote to the DCA January 31,2013 asking for proof of this payment as it was not made by me and also stating that I was not able to contract and business over that period due to my eye surgery. This letter they've not replied to. On March 4, 2013 they wrote to me stating " Further to our letter dated January 21, 2013 regarding the above account, we note no response has been received. (Obviously my letter of January 31, 2013 doesn't in their opinion constitute a response) Due to the above, we have been left with nooption but to request you now accept this letter and our letter of 21 January 2013, acopy of which is enclosed, as our final response in this matter. If you are dissatiesfied with the outcome of your enquiry you may refer to the Financial Ombudsman ......" I do find that if mail addressed to them is not recorded then they don't reply. I'd appreciate to hear of any suggestions on the next step I should take. Thank you all

Hi, I would appreciate some advice please. I offered to pay a DCA a HMRC debt for last years tax over a period of 10 weeks. They agreed and were easier to deal with than when I made similar offers to the Inland Revenue in the past. An order fell through (I'm self employed) and I haven;t been able to pay anything yet. I should however, still be able to clear to debt within 12 weeks and start payments in about 3 weeks. I received a letter today asking to make the first installment by phone and I wondered how best to deal with them. Thanks for any advice.

Hello everybody... I'm a newby on here and would be interested to hear any thoughts on my story... I'll precis it so as not to make it appear like War & Peace! Back in January 2004 I emigrated to NZ leaving behind a couple of debts (like you do!) For quite a while my folks were targeted with letters from creditors and later DCA's chasing payment. (My folks address was registered as my last known UK address and I left no forwarding address in NZ). These letters were simply returned or binned and I believe there were a couple of knocks on my folks door seeking to speak with me. No info was divulged as to my whereabouts and I received no letters at all in New Zealand and no communication was entered into. Eventually letters and callers ceased. Last August (2012) I returned to the UK after over eight years away. I succesfully opened a bank account and was given a credit card which led me to believe that my credit file must have been pretty clear with no CCJs or Defaults showing. Needless to say something must have flagged up because now I have received letters from both Lowell and Red (yes, I know they're the same outfit) demanding settlement of Barclaycard account which was originated back in 1982. I can see from my credit file that Lowells did an un-recorded search in October last year (just after I opened the new bank account) and have finally discovered my present UK address - hence the letters. Funny thing is, Lowells statement says "Opening Balance on 1st October 2008: £XXXX." I'm prepared to communicate with them using the letter templates, but I'm seeking advice as to whether to request the original signed agreement (which will be dated 1982) or whether to claim that this debt is statute barred? And what has this magical date of 2008 got to do with anything? I was happily living in NZ at that time! Any thoughts greatfully received.

Hi all, First time posting on this forum, I am after some advice. I am paying my debts through a DMP with payplan, and am presently checking all my current creditors. I have just questioned if Link Financial will stop applying interest to my debt as I have been paying through Payplan without missing payments for the last four and a half years, they replied by saying that I was still under the original agreement term. I then noticed that the original agreement was with GE Capital and this debt was subject to a CCJ (judgement date 15 June 2008) total amount £3,104.60 On the Judgement it states , You must pay £3,019.60 for debt (and interest to date of judgement) and £85.00 costs. Total = £3,104.60. Installments of £20.39 until the debt has been paid. The total that Link says I still owe them is £3175.00, I have paid a total of £1121.45 in payments of £20.39 as ordered by the court towards this debt, this should leave a balance of £1983.15. Can someone advise me if Link can apply interest on this deb,t if on the Judgment it stated, debt and interest up to date of judgement. Want to get my facts before I approach them. Thanks Neil

Has anyone heard of MDM or something similar. I had a call from an unknown number. When I answered They asked for me by name, I asked who was calling(didn`t identify myself). The guy then went on to say he was calling on behalf of another company and that I have around £7k outstnding debts. This other company have apparently been trying to contact me for some time and the next step is a home visit!!!. I said that I do not discuss anything on the phone and he hung up. I think they may be Glasgow based. Any ideas??

Hi, I'm in the process of preparing my budget and letters to send to a credit card provider who's minimum payments I am know longer able to meet. I do this in the hope that they agree to freeze interest and charges as well as accept reduced payments until my situation changes for the better. I still have a few questions. 1) I had another credit card that had a zero balance on. During a family emergency I lent it to my sister and she has charged approximately 1,000 on it. She is making the monthly payments on this card and reducing the balance. I'm wondering how or if I should include this debt on my budget, if so how do I go about explaining that I am not the one making the repayments? 2) Should I not make any payments towards my credit card debt until the bank has agreed to my proposed reduced payments? 3) Would it be realistic to say in my letter to my credit card provider that I wish for the reduced payments to be accepted until my financial situation improves or should I set a review date for 6-12 months later? Would it be cheeky to say until the debt is repaid even if it means in 40 years time? Sorry for all the questions. Unique

Hi folks, lurked and read on here before, helped me somewhat so thanks. I have a situation going on whereby 2 small payday loans and a retail loan ended up with me having difficulties paying due to risking a lot on self employment on the promise of work which turned out to be a lie as to how much, loans occured towards the end of quitting self employed when all money had evaporated and was desperately trying to make ends meet. I tried everything to discuss and debate with the companies in question once Id successfully halted the sums growing much bigger or having ongoing costs. None of them were reasonable and all 3 have eventually binned me into DCA's. Ive battled with the DCA's a bit putting up with the usual sewer tactics. Currently all of them have been issued cca and non harassment letters asking for proof and the whole 9 yards of owning the debts etc. All 3 requests stand at 18 days and counting totally unreplied (from recorded date of delivery), although the post and phones have gone quiet. All were delivered recorded and have date of delivery proof. The problem is 2 of the debts have defaults and continue to rack up late payment scores at experian. One debt is for virtually the original loan amount, 2 are double the original loan amount! Mackenzie Hall, Moorcroft and Mercantile Recovery are the companies. I can be more specific on each debt if required. Heres the questions : Am I right in thinking these companies supposedly bought the debts for peanuts compared to the stated value of the debts? Due to an error the cca requests were sent without the £1 payment, where do I stand? After 12 + 2 and 30 days can I then issue disputes on the defaults and sums and try to get the defaults removed? I realise trying to agree a settlement amount then paying off now would just get me shafted and likely defaults remaining, if I could get these buggers to communicate by post with a promise in writing and payed by a method they couldnt steal from and then settle, would I stand a chance of those defaults removing?

Hi All I have 12 serious outstanding debts to various major credit companies and banks which have now been sold on to various DCA's and some have been sold on again. After getting advice from the CAB and National Debtline, I wrote to them all offering a token payment of £1.00 per month, all of which were accepted. But, I now need to send a budget statement review and renew the offer of £1.00 per month as my circumstances have deteriorated. My problem is, I have since moved out of my house and onto a boat, but the mooring I have does not provide an address or mailbox facilities. I have had my mail redirected from my old address to my In-Law's address for the past 18 months, but this is getting unreliable. I can't give the DCA's my In-Law's address directly as it may affect my In-Law's credit or they may get harassing letters/calls etc. Can I tell the DCA's that I can only correspond via email? And can I get them to send CCA requests to an email address? Thanks in advance

Hi all, just a quick question. Advantis sent me a letter regarding an old debt (not staute barred) that came about when I was unwell and not in a place to make good choices re my finances. Any way, I requested a copy of the credit agreement which they failed to provide. I sent the follow up letter and now nothing. What does this mean? That the debt is uneforceable until they produce the cca or is it uneforceable period? And is there anything else or any other letter I should send. Your advice would be much appreciated. Thanks guys, sabby

Hello, International student. Was on a 2 year contract with Three. Three sold my debt to DCA. Made one payment using a debit card to DCA before I left the country. Thought I would get a job and stay in the uk. Didn't after graduating. Left the country. Was charged on the same debit card by DCA after leaving. Didn't authorize this, reported to bank as fradulent transaction. Got my money back. I live in developing country and mail takes forever to reach. Bank said they will mail new cards along with other papers. Bank said I have 10 days to respond to mail or i am legally liable for the transaction. Was asked if I consent to police being involved when I reported. I said yes first time and then called back and said no. How to proceed? Worried sick. Will bank tell DCA/police of my new address? What do I do? HELP!

Hi guys, Hope someone can help. A DCA contacted me with an alleged debt owed to Orange, I had no knowledge of the debt, asked for evidence, none provided. I spoke to Orange who said the alleged debt had been sold to the DCA so they couldn't even discuss it. Heard no more about it so assumed the error had been resolved. In 2011 I got a letter from Orange and a new DCA saying Orange had sold the debt to them. I wrote to both, again stating I had no knowledge of the alleged debt, please provide proof. Also argued that as Orange had claimed to have sold the debt previously, where was the Notice of Assignment from the old DCA back to Orange? Didn't hear anything from Orange and the new DCA said I would have to prove the debt didn't exist via a letter from Orange, got a couple more standard letters but then heard no more from either. I've just checked my credit report and the (new DCA) have registered a default. In addition to this it seems they are registering a 'non-payment' every month. The alleged initial default was in 2009 but if they keep registering a default every month effectively it will never drop of my credit report. Furthermore, even I did owe the outstanding amount, the DCA have bought the full amount, I have made no agreement with the DCA to make a monthly payment so how can I be defaulting every month?! Orange don't respond to my letters and DCA won't stop until they get a letter from Orange confirming it was an error so I'm stuck with an alleged debt that I have no knowledge about. Is there any way I can get them to stop adding defaults and remove what is there? And also, insist on receiving proof of the debt? As it's a phone contract apparently the CCA rules don't apply as credit isn't involved so I'm a bit stuck with this one! Thanks for any help

hi all, just after a bit of advice here its a long one so ill try and be brief. in feb 2012 we took a home tv bb and phone package with sky for a 12m contract. in july 2012 they changed the prices and we cancelled our contract under the "change of terms" section of their contract. it took a few calls to get the cancellation agreed because my hubby is the acct holder so they wouldnt accept the cancellation from me and he had already moved to canada working so he had to call them, they then tried to tell him he couldnt cancel and he didnt have the relevant email and terms and conditions etc to quote at them, finally i got back thru to him on skype and heard him have the conversation with sky to cancel in which they told us we had given 31 days notice and they would terminate our contract on 23rd august. we paid up to and including that date and i then cancelled the direct debit as i know sky and they have such a dodgy rep that i was anticipating problems leaving them. in august we left our rented house and moved out to canada to be with my husband.we had our mail forwarded to our old house, which we have sold to my mum. in december we had a letter from a DCA saying we still had a contract with sky and they had passed our bad debt on to them. again refused to speak to me when i called them to explain that we didnt owe sky anything and i called sky who eventually agreed to speak to me ( having given them the password!) the agent i spoke to (taking date time and user id of the call) said he could see the problem and would get it sorted out and wiped clean. he also said he would contact the DCA and they would withdraw the issue. in late jan we had another letter this time at our old address (now owned by my mother) saying that the debt still had to be settled and they would come round and knock for it. hubby called them and told them the debt was in query still and gave them the details of the agent we spoke to and they said they would leave it for two weeks until they heard from sky. we also called sky to ask why the complaint had not been dealt with yet (dated 3rd dec) and they told me it takes as long as it takes and we care unable to contact them to ask for progress. we told the DCA they had the wrong address, we do not live in the uk any more and we do not own that house or anything in it, my mother has nothing to do with the debt they think we owe and they should leave her alone. every day for the last three days the DCA have knocked on my mums door, harassing her and her disabled husband. im after something legislational i can use to get them to back off until sky sort out the conplaint and call off the hounds... to recap. we dont owe anything, we cancelled and they accepted our cancellation, we paid up to and including the date of disconnection. they know we do not live there and that my mother has nothing to do with the debt yet still go round there every day to ask for hubby. also when we took out the contract we did intend to keep it for at least the full 12m, but when work came up over here we took it ( better quality of life etc) when they changed the prices it seemed serendipitous and we took advantage of the chance to cancel mid contract.

Hi Everyone, Just a quick query, I have sorted out my debts thanks to the amazing advice from this forum. One of these, Capquest has been in dispute for over 18 months, and have been quiet since. Now on Saturday, I got a phone call from them on my work phone (which is a shop), how they got hold of this number which no DCA's have I don't know but refused to go through security with them and told them it was an offence to ring a work number. If they ring back, i wanted to know what I can threaten them with, is it OFT? IF they persist I will send a letter but I want to quote the correct statement to them. Any idea's fellow Caggers?

Hi All, I really would like some advice on the following situation. I ran up some credit card debt back in 2007. I moved abroad and returned to the UK in 2011. I have just been contacted via letter by a well known DCA saying that I need to pay this debt (around 10k). This is the first time that I have been contacted by anyone regarding this debt. Not sure how they found me but am guessing electoral roll DVLA etc. (Not that it really matters) From what I can tell, the debt will become statute barred in June 2013 according to my credit file. My questions are: 1. I will be moving home again in the next few weeks. Do I just ignore these letters and hope they do not find me? 2. I noticed an entry on my credit report for the DCA but the amount is not the same as the amounts that are reported on my credit report for the original debt. That is also listed but the amounts are slightly different. Are they trying to add a fictitious debt to extend the statute barred time? Should an entry from the DCA also appear along with the original debt? 3. What would happen if they continued to send letters but I had moved. Would they pursue it further? 4. If I ignored them, could they issue a CCJ and if so, what If I had moved home and not received any further letters from them or from the court? I have never spoken to them on the phone or acknowledged the debt in any shape or form. I am new to all this so any advice you can share would be greatly appreciated. Thanks

Hi All, Sort of struggling to find clear explanation hence my question below: If DCA bought the defaulted debt of OC and mirrored that on my credit file in defaulted state - is that correct? If not what should be correct: 1. Original account with defaulted history but settled status? Or default or any marks removed, as it would be reflected in record added by DCA? 2. DCA record for this loan should be in current state or defaulted state to start with? Can I have both accounts in default (even if original is "Settled" now)? If any the above is not right, what is the course of action to correct it? Is there legislation regarding what and how can be added to credit file? If I request any amendments can I base it on any legislation? Any clarification would be much appreciated.

Hello, I just joined, I've been reading a lot on here and need some advice please. I have unsecured debts of about £50k, half with Capquest, half with Eversheds/Max Recovery, I've been making regular repayments to them for 5 years within what I can afford, totalling £100 p/month for the whole lot. All the debts with Eversheds were sold to them - got that confirmation over the phone from the original creditors. Capquest: they're collecting on behalf of Egg for a loan. I spoke with Egg and they confirmed that Capquest is collecting on their behalf, that the debt was not sold to Capquest - I still get yearly statements from Egg showing the payments I've made so that must be true. I also pay Capquest for a high street bank overdraft which was sold on to them from that bank's previous collection agency. I lost my full time job last year and just have part-time freelance work at the moment, earning under £500 a month, relying on family and friends for lodging and boarding otherwise I'd be on the street. I need to write off to all parties to request a reduced payment and know it's not going to go down too well so I'm dreading it and keep putting it off. Eversheds: they have never provided me with any DOA and from what I've read on here they should have. Can I make them a reduced payment offer while asking them for that? I am only offering them a token £1 payment to keep them off my back while I go through this process. Capquest: Egg told me that any correspondence about my account should go directly to Capquest. Any point asking them for a DOA if Egg said they have not sold the debt on to them? Shall I DOA for the bank overdraft that they have never sent me the required statements for? Eversheds have in the past requested original bank statements - is that standard practice to send to debt collection agencies? I am happy to send those off to prove what I am earning at the moment but just wondering if they are within their right to ask for that. I need to add that for the last 5 years, I've given in to demands for increase in payments as they've usually been very small and that has kept them off my back, which they have. Even Capquest who were awful to start with just send an annual letter for the small increase. I don't get harassing calls as I've stuck to the payments. The thought of them starting to call again fills me with dread. I've read about but can't find the standard letter about asking to keep correspondence in writing, please could you tell me where that is? I have been thinking about doing something about all this for a while but have chickened out as having dealt with the debt collectors in the past and how unpleasant they were. However, now paying them £100 a month when I'm on £475 is ridiculous and I have to do something. I've spent hours reading on this forum and at times have found some of the info confusing so I decided to join and start my own thread, hope this is the best way to go about it. This has all been hanging over my head for years. Bankruptcy is not really an option for me even though I have no assets of savings, I would rather exhaust other options first. I am very grateful for any information you can help me with, thank you.

Here is news of another DCA in liquidation, getting to be rather nice news this year.... http://www.credittoday.co.uk/article/14792/online-news/dca-placed-into-liquidation