Hello again: I'm the wrong end of a bottle wine celebrating the fact that CQ have returned my file to Cap1. You may be interested in their response re. CCA request. They wrote ... "I would like to confirm that all requested documentation was issued to your adddress within the required guidelines set out in the CCA Act 1974." These are weasel words. Yes, they sent the requested documentation to my address within the guidelines BUT the documentation did not allow them to legally pursue the debt!!!! Ergo, they can bugger off. If I wasn't such an awkward chap, they could have got away with this. The proof is in the pudding, they didn't take it any further. Damn shame.

Absolutely agree. How about only being able to PM the moderators? What do you think? Of course we still need to be circumspect with our comments in open forum.

Hi Cluedup, I've dealt with 1st credit, like you by email. It's all sorted now thankfully in my favour but since, I've been getting some very strange spam emails. I'm not sure if they're related but from now on I'm going to use a disposable email when dealing with DCAs. If you notice the same would you let me know? Anyone else noticed this? Just because you're paranoid doesn't mean they're not out to get you:)

Thanks for your kind comments. I've been reading here every day and now it's time for a break for a little while. Good luck to everyone and particular thanks to Rory for his invaluable contribution. Take care,

hi kfdh, CapQuest are now firmly on my radar! Subscribing to your thread. I also was sent a "short application form" after CCA request which isn't good enough. I've tried to read your pdf file but can't. Could you repost it? Ta and good luck.

My brother died earlier this year after years of alcohol problems. His finances were in a mess of course. I was allowed to organise his affairs and with the help of this site ... great result. RBOS, MBNA and American Express all claimed via our friends at 1st Credit. No CCA = no pay! It was very therapeutic to help with his estate and now his children have some money from him. The bottom line is I owe you guys around £650.00 which will come your way as soon as I've sorted out the final alleged creditor ... the tax man:( , but that's another story. I must say IMO, 1st Credit have acted very reasonably. I can now see things in a different perspective... eg. letters asking for payment ... are just that ... they use words like "demand" and "must" but it's not personal, they're just trying it on as you know. Put simply, they're asking! eg. phone calls. Yes, a problem. They actually asked for him after they were told he'd died. The problem is the automated dialling systems, the phone operators are given a line with very little background info. at first. After a couple of emails and letters the phone calls stopped. OK, it wasn't perfect but it was sorted pretty quickly. My advice to people is ..don't get emotional, it's not personal for them, just a job. Know your facts and state them clearly, be organised and prepared to follow up. It's easy for me to say, I know, but sites like this help enormously. I wish that people were always fair and well-meaning but they're not. It's just not feasible to expect support just when you need it, from someone who's job it is to get money from you. Sadly, that's the real world we live in and it's unrealistic to expect anything else. I think there could be a workable solution though ... All things considered, I wish there were an arbitration service which perhaps could be funded from the OCs and possibly the government?. It would surely be easier, fairer and dare I say cheaper too, considering medical, emotional, family AND financial costs together.

ODC, I understand, thanks.

Hello, Rory, tomterm and odc; could you please tell me what bits of the agreement for the credit card you are concerned about? I can't see a credit limit mentioned but is there anythingelse? The loan seems fine, what's missing additional to what's been mentioned? Is what's missing sufficient to stop a court from enforcing it? Sorry to sound thick but this is a good way for me to learn; hope you don't mind, brassed off. thx.

It's nice to look forward to the mail isn't it? Wasn't like that before I found this site. Nothing in the post for me today:(

Hi Steve, You're a nightbird! Spiritgirl, sorry if I hijack. I like your letter but if I may suggest a few things based on my personal experience? I'm sorry if I'm preaching to the choir ..... 1. Imagine you're a Solicitor ... state the facts, such as "you have not fulfilled your obligations under the CCA 1974 Act." rather than listing them all. Why tell them what you need .. let them work it out, if they can! 2. Don't use inflammatory tone however tempted you are. I like to write a letter first for me (swear words, threats 'n' all) and then write the proper one. 3. Less waffle. You've repeated yourself a few times. I find numbering or bullets useful. 4. Why sink to their level? "You may be liable to .... may affect your credit licence" etc. These guys invented the bull**** letter. You can do better than that. 5. Think about what you want. Don't threaten further action unless you really will do it. Many people threaten (like the DCAs) and then don't follow through; it simply reduces your credibility. Make sure you are prepared to follow through. For example if you get your money back are you really prepared to hold out for 8% interest? Maybe you are. 6. You could complain to the FOS and should! but the criminal offence can only be chased by them, not you. You may not get the satisfaction you want. In other words be prepared for disappointment. 7. After the account is returned to the OC, your target should be them. Be proactive. List (without comments) what actions of theirs have been against guidelines. Remember your own timelimits eg. you can only complain of a criminal offence if you report to FOS within 6 months. I really believe that a letter drafted this way is more likely to be taken seriously. It looks very much as if you've taken legal advice from a Solicitor. Now that's a subliminal message that is worth getting across:)

Hi brassed off, I'm following your thread with interest. To me (wait for others!) the Agreement looks OK. Sorry:(

Luxury! We couldn't afford PCs when I were a lad, made do with sticks of wood with balls on. I remember coding to punch card to be fed in as dot dot space space etc. Ah the good old days ... diphtheria, bubonic plague, when 256 Kilobytes of memory was A LOT!, Sinclair ZX something or other:) .. now where was I? ... back to the merlot. Have a good weekend all.

Nice one Hannah, well done! Have a great weekend:)

Rory, I've copied your letter for future reference. Thx. Well done. Clear and brutal. Just right.

What the @*?#! :mad: Thanks for that. Just checked the site and it's even better ... 10 Euros (£7.00 ish). So I can bank with a British bank who deal locally and charge me £39.00 or deal with a European bank who are owned by the same parent company and charge me £7.00 from a distance. Aaaaaaargh. You've set me thinking ... I'll check out a few more European banks. Rip-of Britain or what?