These guys were calling me 17 times a day on mobile or landline and really aggressive.

Debt owed was £1900 they added huge % and penalties so now £3100.

Opened Sept 1996.

I foolishly sent cheque for £1 with CCA which I am 99% sure they copied my signature to a Credit agreement,where theyactually spelt my name wrong so I know I didn't sign it.

They sent my account to Drydensfairfax who wrote several letters threatening court action etc but have gone very quiet since Feb this year-waiting for next move.

I replied to Drydens saying they had not returned a CCA and was therefore unenforceable, heard nothing since. No statements,no calls nothing-eery-

I CCA'd them in Jan 2014-they sent several attemptsat reconstrued CCA type A3 blank credit agreements-which had nothing,no details on them....their % was 26.5% .

Stupid me to have got in this mess but I had quite a nice business then a creditor liquidated owing me huge monies and I lost everything-tried to survive for a while using CCards to support myself and pay debts with each of them -made it worse.hey ho such is life.All ok have my health,my family and it's summer at last

Hi

Moving thread to debt collection forum for you.

OK

1. FULL SAR to OC, get proof of all the penalties on the account then return here when you get the info and/or something else happens.

Those penalties are reclaimable with any interest charged on them. People here can help you with the process.

Thanks will do that now today-am sure there are lots of penalties on this

No chance of them getting the signed CCA

They were. Shredded years ago

DX

Thanks shall I just sit quiet or do the SAR do you think ?? xx

Have they been rattling your cage recently?

If not I'd let sleeping dogs lie, but if they're harassing you again then fight back.

Keep a diary of events regarding their telephone harassment with a view of reporting them

to the police for the criminal offence of harassment.

No they have gone really quiet which is a bit unerving as waiting to see what they do next but peace is nice-think they are plotting my sentence Thanks for advice I will keep everything and make notes xx

I would certainly sar creation yes.