Hi there, Seeking further advice. TBI have recently sent me a statement of account and loan agreement which si fine and more than the original dca ever did. I have not CCA'd TBI but merely tell them that its in dispute wiht Wescot as they didnt comply to my CCA. TBI solicitor is threatening the usual and also saying that TBI have bought the debt inter alia etc etc. Can someone advise me what to do, as I think Wescot should be dealing with this. Thanks

U may find that only the 'ghost' appears and its a normal threat. I would send the letter and IF someone does turn up give them a copy of the same and say bye....

Heres what the FOS said recently to me:- Dear Mr X, Thank you for your letter dated 06 May 2008. After reviewing your complaint it seems that we would be unable to make a complaint against Aktiv Kapital as they are not the original creditor. However, if you would like to make a complaint against a firm with which you had a finance agreement then we may be able to consider your complaint. Yours sincerely Andy Mears Consumer Consultant I had replied to say they are acting on behalf of the OC.

No they didnt say under what regs...unless there is a way to go back to TS and FOS.. I emailed the FOS person dealing with my case, but no reply yet.

And they are part of Aktiv Krapital.

Already done....lets see what happens. Thanks

Hi All, Bumping this one. I have complained to the FOS and they have emailed the following reply:- Dear Mr X, Thank you for your letter dated 06 May 2008. After reviewing your complaint it seems that we would be unable to make a complaint against Aktiv Kapital as they are not the original creditor. However, if you would like to make a complaint against a firm with which you had a finance agreement then we may be able to consider your complaint. Yours sincerely Andy Mears Consumer Consultant I continue to receive letters from AK stating they will commence proceedings and forward to their solictiors....(well go on then)... I have replied back to the FOS and said they continue to harrass me for payment on these accounts and have not replied to my CCA request.. Any ideas on what I can do hereon in? Thanks

In my opinion, you have provided with enough food for thought... A complaint is definately in order and that to the FOS.... Keep all that they send you....

I have the FOS investigating them as I have complained too!

Just bringing this back as NCO have also started to send letters depsite not responding to my CCA request from 12 mths ago nearly!!! Any ideas... Should I CCA Lowells...or not..as NCO couldnt do anything...to provide a CCA

Anyone with any ideas? Cheers

Cheers 42MAN, This template has already gone and the above was their reply. I also CCA'd Wscot in 06 and that was not complied with so them harping on about sending me the agreement in 07 is far fetched. I will wait and see what they come up with...unless there are any wiser ideas?

Its 6 years on this side, and it your facts are correct, that is more than 6 years.... Let them huff and puff... There are plenty of sages here to help you.

Hi All, TBI have written to say that the Original Lender are not aware of any dispute between them and Wescot. They allege that the agreement was sent when I made my CCA request (no they never sent me anything), never followed up...You would expect them to chase for payment if they had the Agreement....Got you there TBI... They have requested the agreement again for the lender and will forward. Now, can they do this as the agreement was never originally provided and now Wescot have sold on to TBI... Any thoughts, comments or ideas for a further letter to be sent.... Thanks

My complaint about AK and them demanding constant payment from me without complying to my CCA request is now with the FOS.