Thanks eveyrone, was hoping to avoid courts again but if we must ..... certainly won't let this lie !!!

Quick up date - things have gone very quiet. Still no CCA. I SAR'd Lowells and they returned the £10 Postal Order as a gesture of goodwill 3 weeks ago ! They provided the information held and really i can't believe how little they have to be chasing debt. It consists of a computer screen of name, number, address, default date (incorrect). From this they send letters asking you to pay and that they will go to court ..... what with exactly ??? All I would say from this is challenge these people in confidence, they have "brought" your name and a number and rely on a threatening letter to get you to pay ..... . in reality they don't know THAT much IMO SB day draws ever nearer !

Please could anyone advise on next steps with a COT3. Brief chain of events so far:- My wife left employer and was paid short, after take over of co during year they renaged on agreed bereavment leave after death of father and decided this was sick leave at SSP Wife tried to point out error- they didn't want to know and even claimed they had overpaid her ! Went to ACAS - they refused calls and wouldn't call back to ACAS Went to Employers Tribunal - go to day before and wife settled via ACAS for what she was owed. COT3 sent to her and then on to Employers solicitors and received. Two weeks passed with no contact, wife spoke to solicitor, they advised they had 14 days to pay her once they had signed the COT3 which they hadn't done yet. Is this right ? Is there a time limit to sign this ? I should say at this stage that the employer is a well known solicitor being represented by another solictior ! At every turn they have delayed and tried to put her off, behaved appallingly. What should she do now ? I have already decided that a complaint will go to the law society but would like the thing settled first !

Fredericksons have now responded to my CCA request from 2008, advised account passed back to Co-Op and enclosed a handwritten cheque for £1 for me ! Lowell acknowledge CCA and will come back to me ...... sent an SAR to them this week too to keep them busy !!

Update - both letters to Lowell and to Fredrickson confirmed received and signed for by RD tracker. Today 2 letters from Fredrickson. First one a big yellow card in an envelope advising ADDRESS CONFIRMED .. .. no sh*t Sherlock, my address was on the letter I sent you .. ... then went on about how I need t contact them, we will commence litigation etc etc. Next letter, thank you for your letter, re ref xxxx, we are no longer acting for the client. Now this is a response under the old reference but same account no. ..... .. I did clearly quote and state both of their reference numbers but no reply re the new reference number .. .... or a reply to my letter from 2008 I asked for ! Really, shouldn't surprise me as I remember writing countless letters to the like of these people pointing out the errors and stupidity of not reading letters correctly ... .... I realise this is probably on purpose to frustrate me. Well, they have the letter, it is signed for, up to them to send me something that doesn't exist I have been waiting 5 years for !!

ha ha no, agreed probably stretching a point there

Got the CCA request and bog off letter to Lowells today by RD (2nd class). Letter waiting when I got home from Fredrickson International collecting on behalf of Lowell !!! Now Fredrickson sent an identical letter in August 2008. I CCA'd them and they sent a large envelope full of statements !! Sent curt response to them September 2008 advising they had failed to supply true copy CCA and to bog off, that CIS had failed to provide this and if they pursued this further I would take legal action. Nothing heard from them since ever. I do want to write back, do I need to CCA them again or does my original unfulfilled request still stand ? any ideas on wording or any grounds for harrassment or any offences committed here ? (have copies of all of their corres from 2008)

No, anything after this time I sent went with the "I do not acknowledge any Debt" stated at the top. Same for corres to DCA following 2007.

Last payment was June 2007

My document is identical to the one at the top of the thread, it came with a Together Mortgage

Hi Citizen B, luckily I have kept every scrap of paper .... alot of which I found in unopened envelopes at the back of my ex-wifes wardrobe ! Due to the whole mess I entered a period of financial OCD so everything is logged and in order. I have SAR CIS before and got all the statements. The Default Notice is dated May 2007. There was PPI in the past, around the same time as the default this was cancelled. Subsequent statements then included an arrears charge, overlimit charge and interest (thanks CIS). I have re-acquainted myself with the massive file which I fished out of my parents loft today so happy I have my ducks in a row as things stood in 2010, I just want to make sure this is likely to be enough to fight off this latest attack.

Cheers Oleg, the SD is a concern, Moorcroft went through the threat process right to the 30% discount but I have never been faced with SD or true litigation on any debts in the past. I have a new relationship now, my partner knows my past so this isn't hidden or a surprise however she is quite nervous as never faced anything like this before and is keen for me to do something rather than wait ... . I also live in her house and not my own which she feels may be threatened. This is a bit like getting on a bike again after many years, my own low opinion of DCAs was forged over many years of bitter experience .. ... things don't seem to have changed much since the last decade !

Thanks Fletch, it was incomplete (no T&Cs etc) and when challenged CIS simply said they had nothing else and that use of the card and the statements over the years proved the debt ! I think the additional letter will go with the CCA request for good measure, this refers to the CIS lack of response and has worked before.

I don't know, have not checked for along time. Will your link to noddle provide this ?

Subscribed ... I am in the same situation with dispute from 2007 .... will keep updated of my progress