here we go.. any help much appreciated!

Well it seems they've got their house in order after all... Signed Credit agreement arrived today (albeit a long time after it was requested.) Has anyone succesfully appealed a pre-2007 credit agreement?

Cool, thanks for that.. I'll have a read over the link.

Well Cabot have now responded saying there is a delay in getting the required docs from their client and they have 'put my account on hold as a courtesy' Very kind considering they have no proof of any debt! Anybody know what my best next step is? Should I perhaps post this elsewhere? Cheers!

Thanks for that. If they cannot supply a valid CCA, is there a way I can remove the default notice?

Hello all, I've had a good look over the site and it seems the advice given is to post up details of your specific issue and see what you guys recommend... So here goes.. I have two default notices on my credit file - one from Cabot and one from Lowell portfolio. I have sent the letter to both asking for a true copy of the original credit agreement. (hope this was the correct thing to do) Cabot have responded saying they will contact the original lender to source, although they are not legally obligated to do so. Lowell have yet to respond (letter sent 2 weeks ago). Any advice on next steps/how the hell I deal with these people would be much appreciated! Many thanks. WB.

Have definately learned that lesson - thanks HippyChick! I'm still very concerned about this wage/bank account arrestment as the court couldn't tell me one way or another and I'm worried it will suddenly just appear (probably just after I'm paid). Does anyone else have any experience of these?

Called Edinburgh SHeriff Court today, they don't have a specific record relating to me however, they said that the council generally process these things in bulk making them harder to pick up. I've sent a letter proposing repayment to the council today, hopefully they'll accept. I haven't contacted Scott & Co, the last time I did that all I wanted to do was go to there office and strangle the life out of the arrogant swine I spoke to in their call centre.

Thanks, that's good news! I'll get in touch with the court. Would it be the sherriff court? Is it a case of just phoning up and asking or would I have to go in? I'll send a letter to the council recorded delivery offering a repayment plan. I've also emptied my bank account this morning to stop Scott & Co getting their mitts on anything. I realise c tax is serious, I've just got myself into a bit of a whole after losing my job last year but I'm slowly dragging myself out of it. Mortgage arrears had to take priority over the council though I'm afraid.

I've been trying to deal with Scott & Co for the past 6 months in regard to council tax arrears. These total approximately £1400 and I have offered to repay these at £50 which they refuse to entertain. I'm sure some of you will have experience of dealing with these horrific people! I received a letter today saying they have executed a bank account arrestment and wage arrestment. Frankly I am terrified, does this mean they now have control of my bank account and wages? I have no idea what to do or how i'll be able to make my rent payments, repay other debts or live. If anyone can offer any help or advice or even point me in the right direction it would be greatly appreciated