Hi Clemma, many thanks for your kind advice. I'll compose the letter along the lines you suggest, the ball will most definitely be in their court, and I'll await their reply (confirmation of matter closed, hopefuly) and post here as soon as I get it I know what you mean about not calling them, when I disputed the debt the guy on the phone said "yes you do owe £9k" and I got the feeling I should abort the call asap, and did so as soon as he told me he was passing me to the relevant department to discuss further - IF I ever call a DCA again I'll record the conversation...

Thanks Dave, I'm wondering if there's anything proactive I can do, if I wait I'm not convinced they'll do anything in the short term other than send out another letter asking me to phone them. In any case the CCA request would spell out exactly the documentation I am asking for and I suspect after such a long time and so many changes of ownership it may well not be forthcoming. I guess the worst case is that they send me a signed agreement but then I'd at least know where I stood. What do you think? It's just I feel rather helpless sitting around waiting for their next move

Hi just wondering if anyone could give me some advice. I took out a loan with Lombard about 10 years ago, after I divorced I couldn't afford the repayments so I called in Gregory Pennington and they helped for the next 7 or 8 years with affordable repayments. However I received a letter yesterday from a company called Pace Forward asking me to ring them. I rang them to find out what they wanted and they said I owed £9k which I immediately denied, I asked them to send me evidence and then put the phone down and immediately found this forum. From what I've read I think maybe the next course of action is to send them a CCA. However there also seems to be some other technical details that might be relevant - such as I think Lombard passed the debt to someone like BLS, and now Pace Forward have it and at no time have I ever been told about these changes of ownership - just before I forge ahead with a CCA, is there anything else I should consider? Many thanks in advance