WDA were hounding me but ignoring all my communication with them and being VERY unreasonable saying could only come to agreement at a cost of £30 then were threatening etc still have copies of all emails.

MMF are now the legal owners (supposedly), but they have harassed somewhat!

09/03/2012 - Harassment and Withdrew visit rights by email

15/03/2012 - They responded saying they acknowledge but will ignore it.

19/03/2012 - I emailed them asking them if they know the law and now what harassment and threatening behaviour constitutes (no response)

31/03/2012 - CCA Request sent recorded delivery

03/04/2012 - CCA Signed for

To date still being continually harassed by telephone, email, text and letters.

Let me ask you a couple of questions.

Did you write multiple times to get a repayment plan? What was their response each time?

Did they inform you in good time that the debt was being sold on?

Did the buyer inform you that it was being bought?

What correspondence have you recieved?

Is it possible for you to scan or reprint their replies here? (Without any personal info of course)

Depending on the answers to your question, we can advise further, as there are some little things you can use to help you out.

I have a good template you can use to respond to them, but we really need more info in order to adjust it for you to be relevant.

Can you advise me, i have offered these clowns £20 a month which they refused, they have never done a expenditure form so how do they know what i can afford to re pay, anyway i have set up a standing order to pay £20 wether they like it or not, will they accept the payment or return it as its not enough

Theyll accept it, but it's doubtful if they'll apply it to your account. Just make sure you have full receipts of each transaction should they try and chase you for more.

thank you for your speedy response, could i just go back to quick quid and set up a agreement with them, and if they dont apply the money to my a/c where will it go

You can try, sure. Just make sure you get everything in writing. Never call them by phone unless you have a good and reliable way of recording the call in full. IOf they dont apply it to your account, but its definitley in their account and you can prove it, then they cant chase you for it. If they take you to court, you can easily show a court the receipts/bank statement to prove them wrong.

Hi

WDA were a nightmare, I have some communication will review it now!

CCA has expired also with MMF no reponse but continualy harrassing me.

How do you mean harassing? Is it by phone/text? If so, simply send them the telephone harassment letter and contact OFCOM. If its by email, simply add them to your block list.

by phone, text, email to my landline and mobile, they also have obtained my work number too which I have not given them and its to an emergency call centre!

You need to report it to the OFT/OFCOM and the police. Especially if its an emergency call centre. Send the the letters by recorded delivery and also email them.