I too have had a letter from them today (or should I say my husband has!) We originally had a letter from McHall & we sent them the above letter stating we did not know of any debt to them etc. However there was a query on this account from IF as it was to do with the bank charges. It seems that IF instructed McHall, & now we have RW on the case. The debt in question has now risen to over £1000 more than the original OD with IF, & we had agreed with them to make a small payment arrangement with them, but now we have RW ringing daily & its doing me in!! Not sure where or what to do now, im not great with these things & its becoming very wearing. I am on treatment for depression & their arrogant phone calls dont help. My hubby works odd hours & isnt often here to answer the phone, so I get the brunt of their attitude. Im really now at a loss as what to do as they are quite threatening in their letters 7 the phonecalls are too much to handle :'(

Thanks Tilly, I had one of these sent to me years ago when i applied for a refund on my bank charges, which i received & had a sucessfull claim. It is since they have been paid off they added the interest which is what they are chasing me for now! They had the cheek to ask me to apply again to my PPI co for another claim to pay off this 'new' balance!! Of course they said NO! I stated in my last letter to them that i am seriously considering chasing the Halifax for miselling of PPI, but caboot sent back a letter saying they were their agents & not responsible for the PPI being sold to me. Im just wondering now that Caboot have taken so long (nearly 2 months) to supply me with a true signed copy of my agreement (they say they are waiting for the Halifax to send it to them) & have failed to explain why the payments to Halifax are not shown, what my next step would be? They have been paid in full once already by my PPi on the balance of the account they submitted to them

Hi All, I have since been 'chased' by caboot for this payment now & I have asked for a TRUE copy of my agreement, which as expected they send a blank one. They sent this over 6 weeks ago & have not as yet sent me one with my signature on it! They are still chasing me for these payments even though they have been paid in full from my PPI & it was Cleared!! The statements they sent me also did not show any of these payments which is worrying!! What is the next best step to take? I have been paying token payments to this account for some years now (paid just over £300) for something that has already been paid off once!!

would you believe their cheek!! TODAY i received a notice of missed payment, along with a CHARGE of £12 to the account ... the same account they wrote to me about on 2nd March telling me they will not be pursuing me for the money!! I telephoned them, got jumped up numpty on the phone, telling me if i have a letter telling me they wont be chasing the debt then to ignore everything they are sending, as I wont have anything to worry about!! What dont they get about the whole 'Harassment' thing .. ARGH!!! They havent respnded to my Legal notice under the Data Protection Act 1980 which i sent to them on 5th March either!!

would you believe their cheek!! TODAY i received a notice of missed payment, along with a CHARGE of £12 to the account ... the same account they wrote to me about on 2nd March telling me they will not be pursuing me for the money!! I telephoned them, got jumped up numpty on the phone, telling me if i have a letter telling me they wont be chasing the debt then to ignore everything they are sending, as I wont have anything to worry about!! What dont they get about the whole 'Harassment' thing .. ARGH!!! They havent respnded to my Legal notice under the Data Protection Act 1980 which i sent to them on 5th March either!!

Well i have written to them, had no response from them so far, but FD have replied saying they are looking into it .... however, Metropolitan have passed it onto Wescot who are now chasing me.. ARGH!!!! seems they just ignore your letters & pass it on to the next debt collection agency!

Well I have contacted the CAB, they cant help me with this at all .. many of the no win no fee solicitors cant as it is not a misold PPI & our 'Legal cover' included in our morgage say they are unable to assist us ..... Aviva has now given their final word in that unless I have the meeting with RPA & consent to them accessing all my records, the account will not be paid .....this is all really getting me down to the point I collapsed a few weeks ago & ended up in hospital through stress of all these issues & the worry of the bank & Aviva chasing me for large sums of money i just cant pay & the offers i am making they are refusing .....:'(

Oh, & today a FINAL demand for large sums of money arrived ..... from WESCOT!

Ok, well westcott acknowleged our letter & CCA Request & said that they would suspend all activities on the account whilst the investigation was ongoing ... which didnt happen!! We still received phone calls & when I told them about the investigations, we were told they knew nothing of it & wanted a copy of the letter!! Then they wrote last week & said that "Due to the nature of the issues that have been raised & the fact that we have not been able to resolve this matter the account has been closed on wescotts system. You should therefore, receive no further correspondance in respect of this account from Wescot." It goes on to say that the £1 payment we made for a copy of the credit agreement, will be forwarded to us under seperate cover" As yet we havent received it back. What does this all mean exactly? that they cant supply our CCA? or what? it doesn't say they have sent the account back to the Credit card company ... We are STILL receiving phone calls, again when I read the letter saying the account is CLOSED on their system, all i get is that they want a copy of this letter as the account is LIVE on thier system....!! I have issued them now with two harassment warnings, how do i report them for harassment, its really getting depressing now

Well these jokers really dont know what the other hand is doing!! I received a default notice this morning along with a demand for just over £1900 to be paid Immediately!! Are they reeelllyyyyy that stupid??!!!

LOL, thanks Jonnymitch, Letter writing is not my thing, i copied bits & pieces from other letters in a hope that it made sence

Ok, Thanks ScoobyDoo2 .. the 'evidence' they rely on is my website & a van with a logo on it ??!!

Ah great, i wasnt bothered about it, im glad that its sorted, was just a thought

OK, i have put this letter together, does it sound ok? Thank you for your letter dated x x x x x , that was received by me/us on xxxxxxxx The account in question is in use solely to pay a loan in my sole name that was taken from First Direct some time ago. Due to redundancy & then being unable to work through ill health, Aviva has been paying this account for me via my Payment Protection Insurance for some years. First Direct has been aware of these payments being made by them & are also aware that Aviva is now in dispute with myself regarding these. I have requested recently a payment holiday from First Direct whilst the dispute with Aviva is ongoing, sadly they ignored my request & declined a payment offer. First direct STILL debited the account in my & my husbands name with a payment for the loan, knowing that Aviva were not going to pay the instalment & knew the account would then go into overdraft, which is what you have written to me about. I think it is extremely unfair of First direct to continue trying to take payments & add charges to the account with full knowledge there would be no funds to cover them until the dispute with Aviva is resolved. I would also like to point out, that the loan is in my SOLE NAME, & after receiving advice regarding this, First direct should not be debiting payments from a joint account to pay this sole name loan. Furthermore, after seeking legal council, I understand First Direct do not have a right to chase my husband for payments for the Joint account overdraft where the debt has occurred purely because of a debited payment by them for a loan not in his name, especially as they were aware there were no funds being paid into the account to cover the payment by me or Aviva. The dispute with Aviva is still ongoing (I have not received any correspondence since 10th January 2010 from them) & I am in no position to be able to offer large sums of money to clear the overdraft in question. I would suggest that this debt be passed back to First Direct until a resolution to the dispute with Aviva is resolved. I am most unhappy with the way I am being treated by First Direct given the situation & the undue stress being created is not helping my current health. If we cannot find a solution to this matter, I will have no alternative but to report this to the financial Ombudsmen/Trading Standards/FSA for their assistance I look forward to your reply.

Just a thought, can i claim back everything I have paid them over the last few years?