thanks for all the advice, letter to them is in the post....

Thanks everyone for your advice. The debt both Moorcroft and Robinson Way are chasing was a credit card debt, we only started paying again because CAB advised us to! Will send another CCA request to them, and yep it has come off our credit rating. Could you let us know is it still a £1 postal order you send with it?

Long story short.. We entered an IVA Dec 2008 with joint debt which ceased in January 2010 due to not being able to keep up with the payments. Over the years we have heard from the following Hoist/Clarity/Moorcroft/Midas Legal Services (threatening Litigation warning)/Allied International Credit. On advice from Citizens Advice we started paying Moorcroft £5 per month, which we stopped around June 2014 after your helpful advice and then sent Allied International Credit a CCA letter with postal order for £1. We received an answer that they had requested the information from Barclaycard and would forward it to us, we never received anything from them. Fast forward to August 2017 we started receiving letters from hoist/robbers saying that Barclaycard have assigned rights,title, interest to HPH and that the balance sold was £4,005.52. should we get into conversation with them? should we send them the CCA letter again? How is it possible for Barclaycard to assign all rights, title etc to HPH when in 2014 they assigned it to AIC? We have checked our Credit reports with Experian and CallCredit and none of our debt is showing, I'm guessing because they are all over 6 years old. Any help on how to proceed with this would be gratefully received.

You are truly wonderful people. These companies all seem to be complete chancers (being polite). Can't thank you enough will certainly contribute to the site, will update as and when. once again many thanks.

Hi everyone, as suggested I am posting each of my debts separately so I sent a CCA letter to Allied International Credit regarding my Egg credit card (now Barclaycard), I should have received an answer by 22nd July '14 but have today received a letter on Barclaycard headed paper saying they have enclosed a "reconstituted copy of your agreement". it is saying that they are "currently unable to provide a copy of the terms of your credit agreement" and go on to say "they are therefore prevented from enforcing our agreement with you". However they also say "we can and will continue to take any action short of enforcement, which includes reporting to credit reference agencies without telling them that the agreement is currently unenforceable, demanding payment from you". They refer me to a case of Philip McGuffick v The Royal Bank of Scotland (2009) EWHC 2386 in which it was held that none of these steps constituted "enforcement" for this purpose. What do I do now, is there another letter that I should send in response? What they have sent me is just a printed copy of a credit agreement which anyone could print off, no signatures. I would be grateful of any advice on this guys, I have other debts that I have sent CCA's to, should I have sent a different letter asking for original signed copies?

Hi CitizenB No. 6 Alliance & Leicester definitely had PPI, not sure about the others. As for default/penalty charges we are unsure. As we have had no dealings with Alliance & Leicester, if we pursue PPI with them we are worried that by contacting them they will start chasing us for the debt. We are also worried that if we contact the others about PPI it will just start them all off as they seem to be quiet at the moment.

Hi dx We have a letter that says Lloyds TSB sold and transferred the account to SP5 who are Haymarket Financial LLP and a letter from TTISPC (acting on behalf of SP5 segreated portfolio) PO Box 9674, Nottingham, NG1 5FS. Sent out CCA letters today to Nos, 2,4 and 5. Can't thank you enough, have come from a very dark place and now seeing a little bit of light!

Sorry I have taken so long getting back but this took some time to get all info. Should we only send CCA letters to the companies that have contact us and have chased for payments? We do not obviously want to alert them as we believe one or two may become statue barred (6 years). I have listed below debts. 1. Lloyds Current Account defaulted 12/2008. Debt Assigned Aug 2012 CAIS member, sold to SP5/TTISPC, was paying Fenton Cooper £5 per month have stopped payments. Experian Report Balance Satisfied. Currant balance £3,459 2. MBNA loan defaulted 12/2008. S old to Max Recovery (Eversheds) May 2009. Was paying Max Recovery then Fairfax Solicitors £5 per month have stopped payments. Does not show on Experian Report. Current balance £14,898. 3. The next two are difficult to work out, we have had no contact with anyone regarding the accounts since IVA was ceased 02/2010. We believe the accounts may have got mixed up along the way, these are A: Goldfish / Barclaycard Credit Card defaulted 10/2008 current balance on Experian report £8,117. and B: Barclaycard Cashback statement ? Down as credit card/store card balance £6,251. 4. Egg/Barclaycard credit card defaulted 09/2008. Was paying Moorcroft £5 per month have stopped payments. Received a letter on 22/4/14 from Allied International Credit informing account has been assigned to them, and o n 10/5/14 received letter from Moorcroft informing that account is closed and r eturned to client. Balance £4,016. 5. MBNA – credit card defaulted 11/2008. 31/10/08 MBNA assigned and transferred to Max Recovery. Was paying £5 per month, stopped payments. Current balance £111. 6. Alliance & Leicester/Santander – personal loan. Defaulted 09/2008. No payments made. Received letter of notice of sums in arrears 11/2013. Have not entered any correspondence with them. Balance £4,583. 7. Lloyds Bank Current A/c overdraft. Defaulted 08/2008. 12/2011 sold and transferred account to SP5/TTISPC on 30/12/12 SPF charged all of its rights, title and interest in the account in security to Haymarket Financial LLP. Also receiving letters from Fenton Cooper. Paid a one-off payment of £5 by mistake on 1/9/13. Balance £2,793. Debts 1 to 3 are my husbands and 4 to 7 are mine none of these accounts were joint although all of our finances are shared. Unfortunately these debts go back a long way, many have been loans to clear other debts, overdrafts etc. Unfortunately we were unable to keep up the payments on the IVA. A bit painful of going into all details of how we got in this mess but can supply info if it helps. Thanks again any help gratefully received

thanks so much for getting back so quickly. am in process of getting credit files and will follow up your suggestions, will keep asking questions it that's ok.!!

Hope someone can point us in the right direction. We have combined debts of 45K dating back to 2007. Took out an IVA in 2008, IVA failed March 2010. There are 8 separate creditors ranging from current a/c overdrafts, credit cards etc (all unsecured). We have been paying DCA's on some of the debts but have received letters from other parties asking for funds regarding the same debts. We have stopped all payments. Have checked credit reports and some say assigned, some say satisfied? We would like to find out the true outstanding amounts because we have paid over £3,750 into the IVA which seems to have gone to their costs and not to the debts. Do we send CCA letters to the DCA's that we have been paying nominal amounts or do we wait for them to contact us? Also should we contact original banks regarding PPI claims? We have a mortgage and a secured loan which is about the value of the house so no equity left. Been trying to sort this out for years, both now have serious health problems and have 10 years to retirement (if we make it - with no where it live!). Desperate to clear these debts once and for all. Thanks for any advice:???: