I would also like to ask a similar question here. I took this house on 1/12/08 and have never received a letter from DPS. I have asked the agent and also emailed with no response. I contacted one DPS and they said my deposit wasn't with them and gave me the numbers for the other 2 schemes, same thing? What is my position regarding this? I have also contacted my agent for a copy of the gas checks and also to ask why the house does not have smoke alarms anywhere? I would appreciate any advice. Thanks

I also use a payday loan company but XXXX which also has a deferral system in place if you find you cannot pay in full. I have had not hassle so far but only taken two loans from them and paid in full.

I really appreciate all the replies but there is one other thing I forgot to mention. I believe that in April this year the law changed regarding Tenancy Deposits being held in a secure account and other students have received letters stating this but no letters have been received by my son or the other guys in this house, any advice on this also, really grateful for all your help. ;)

Hi Could someone advice please. My son is in final year of Uni and is in rented accomodation in Lancaster. He moved to this address with his mates in September this year. Due to the incompetence of LCC his loan was delayed and we have been chasing it since that time. He told his landlords what was happening but it took ages because of the backlog. However, his landlords come into the property without notice, let themselves in (no emergencies!) and because of the time lap with the loan have started threatening my son. Two weeks ago my son was on the phone to the student phone company again and the husband (landlord) walked into the house, let himself in. He threatened my son who handed him the phone and said speak to them yourselves and you will see I am not lying. He refused but unknown to him the call was recorded. The student loan company finally released the loan and told my son it would be in his bank on Monday 3 December, which it was. It gets better ........... On Monday 3 December at 10 am, my son was awoken whilst in his bed ...... by his landlady!!!!!! (the wife), not only had she gone into my son's bedroom but also one of the other student's who was also in bed. If that wasn't bad enough she then seated herself on a chair and whilst talking to my shocked son in his bed she proceeded to read letters and paperwork he had on his desk!! Needless to say when my son told me I hit the roof and wanted their address, phone number etc. My son is no push over but doesn't want me doing anything (he knows my temper!) as he is scared of them trying to evict them or something if he retaliates. These people are bang out of order and I would appreciate some advice, my son and his mates keep a decent house, they party like other students but their house is kept in good order and kept clean. Can I do anything which will not jeopardise him and his mates but also make it 100% clear to these landlords that they cannot act in this way. Cheers

Hi I had a debt which was sold on to Fred's/Bryan Carter. After taking advice from here I sent a recorded letter to Freds/bc asking for the CCA. My postal order was sent back and a final letter stating that the debt had gone back and they would no longer bother me. However, just recently I have received a letter from Cabot chasing the same debt, do I have to go through the same thing again? If Freds/BC couldn't supply the CCA, surely Cabot will not be able to either?? :)

Hi Anyone heard of these DCAs?

I have one too. I have moved house and phoned my car insurance company yesterday to change my address and they said that they would be charging me £10!!!!!!! I went slightly nuts and asked them to justify the charge as I was phoning them, they had to press a few buttons on a computer. I then asked where on my policy agreement or the T & As was this written as for it to be legal it has to be stated, the lady in India couldn't answer that and repeatedly went to to a supervisor. I got no joy from them so told her in no uncertain terms that my policy with them would be cancelled at the end of the month as that was the renewal date anyway. What a cheek!!

thanks for that. I phoned up the OFT today and verfied whether what DAF had done was legal and they said in no uncertain terms 'definately not'. I was then put in touch with the ICO (Information Commissioner's Office) whereby I put a complaint in writing about DAF being in breach of the Data Protection Act. Will keep you informed of the outcome, I really have had enough of these people!

Hi I am in a similar position and have missed one payment on my car plus numerous £15 letters which have been added to my account. I am ill and on chemo at the moment also but despite them knowing this they continue to harrass me. I have it in writing from them (twice) that they have removed my telephone number from their database and will not harrass me by phone, they still do and I have changed my number. However, within a day of making my last payment (10 Sept) I received a default letter dated the 11 August with a £25 charge. I only have until April when my contract with these numpties will have ended but I want to get these penalties charges back as they are, like bank charges, extortionate. I haven't replied as yet and ended up in hospital yesterday with complications due to chemo but am OK but when I got home my landlord phoned me to say that DAF had phoned him!! Can they do that? They also instructed him to contact me to tell me to phone them, is that legal? My landlord was not impressed with their tone and even he feels that this was a breach of privacy. Could anyone give some advice on this. To be quite honest they could have the car if they really want it, it is the least of my problems at the moment. Thanks

I have also been receiving strange calls, namely texts sent to a landline. I use ICSTIS to find out who the provider is which is useful and I found that OPAL was one and phoned them to report the person using the mobile to send texts, as I work in a government office they were not best pleased and promised to do something about it, maybe they will or maybe they won't but it was worth a try. I would like to know how they got my direct line at work though? I looked up the number given on here and it is provided by THUS Plc.

I also had action dropped by Freds/Bryan Carter

If you know how to alter your registry, then remove Norton and as others have said on here, which I have used for years, AVG, Zonealarm etc are free and excellent. Norton is easily disabled by trojans and the like, waste of space and waste of money. Good Luck. p.s. don't touch your registry unless you know what your doing.

I had a lovely surprise the other day courtesy of Bryan Carter & co telling me that they are to take 'no futher action' and have closed the file. I took advice from here and CCA'd Fredrikson and got an application form, I also sent a letter stating that Bryan Carter was no longer trading etc and wonders never cease, I received this letter. I will relish this for a little while and thank everyone whose knowledge base I used to get this far but also realise that another numpty debt collector will probably start the whole process again!! Still feels good though!! Cheers everyone!

Thanks Dursay, I have never felt so flippin tired in my entire life! I am trying to keep working and it is my sixth day after first treatment and boy is it kicking in, still life in the old dog yet!! Hopefully last couple of questions. Do I accept this offer and have it closed and begin new claim? Or do I start new claim before accepting this one, or (last question) do I put the two together? I think I remember reading somewhere on here that you have to agree full and final etc and your not allowed to claim again. I just want to make sure I am doing the right thing and I can stop bothering people! I have until the 6th August to return my allocation quesionnaire and the solicitor's for the Halifax have sent me their copy today which simply states they intend to defind etc.

Hi I was getting a bit techy last night and very tired, blame the chemo. However, I requested my statements over the phone and if I remember rightly only requested the last six years, I actually got from March 2000 to April 2007. I sent a letter on 4 April which asked for a repayment of all charges over the last 6 years. I then sent a 2nd letter on 3 May (template) and have had the usual responses. I then put in my court claim. Have I made a complete b***s of this?