Along with some flowering almonds ?

I will report the attachment problem to Admin.

You've still got their original letter saying the closed the file and returned it? Make a copy of that, plus the current demand, and send it to Cahoot with a letter headed 'official complaint' ! Send the 'bemused' letter to Moorcroft - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/175840-halifax-problem.html#post1900426 Call Consumer Direct and ask them to get someone from trading standards in your area to contact you, TS don't always deal direct with the public, and lodge a strong complaint with the OFT and FOS. In general, make a fuss and make sure nobody else bothers you in the future.

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY Dear Sir/Madam Account no: You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves. I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name). I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for

What you could do with Talk Talk is a Subject Access Request which costs £10. They have to supply you with all the data they hold on you which not only includes the CCA but copies of accounts and any correspondence between you. They cannot deny holding it now that they've sold the A/C because they must keep this data for 6 years. They have to supply this within 40 days. In the meantime you can send the following letter to hold the dogs off for a while; Dear Sir/Madam Account no: You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves. I/we would poin

Hello again everyone...this is just a follow up regarding the letters i received from Lowell Financial. I got a final letter from them yesterday stating that after liasing with Compucredit in an effort to obtain the original credit agreement, they have been advised that it is no longer available due to the length of time since the account was opened with me. Therefore, they are closing their file and will not make any further contact concerning payment. I hope everyone who had experience the same problem will soon find their way out of this...Thanks for the help and advice of everyone on this site...

Erm Paul;)

Protection from Harassment Act 1997 1997 CHAPTER 40 England and Wales 1 Prohibition of harassment (1) A person must not pursue a course of conduct— (a) which amounts to harassment of another, and (b) which he knows or ought to know amounts to harassment of the other. (2) For the purposes of this section, the person whose course of conduct is in question ought to know that it amounts to harassment of another if a reasonable person in possession of the same information would think the course of conduct amounted to harassment of the other. (3) Subsection (1) does not apply to a course of conduct if the

Only councils and the police can give out fines. It's a shame your friend's husband didn't look on the internet. He'll never see his money again. It's like natural selection. 20% of people probably search on the internet and find out that they shouldn't pay. The other 80% lose out and the parking companies rake it in for another year. It's a national scandal, headed by the DVLA who are happy to sell anybody's details to anyone who asks for £2.50 a time.

delaying tactics.... none of their business so what are they going to do then even if you did have it? turn around and say oh no this wasn't good enough ...thats why we charged you our ppi! they didn't ask upon getting the card, so why ask now. dx

Firstly, i would not jump right in unless you are fully prepared to issue the N1 court form and start proceedings. The LBA in itself won't scare the creditor and you need to be armed with all the info you can before starting to get serious. You have a lot of different info in that LBA: It's a complaint and an LBA. Should be one or tuther. The criminal offence can no longer be quoted as it no longer applies and was removed from the regulations. You should be past the point of 'account in dispute letters' and mentioning harassment if you are ready for an LBA. You are asking them to negotiate, and letters before action are me

your address Their address Date Ref xxxxxxx Capital 1 Dear Miss Bartle You have contacted me regarding the account with the above reference number, which you claim I owe. I do not acknowledge any debt with Capital One or with your company. This Capital one account was settled in full in 2004/5. Any further contact from your company will be considered harassment and treated accordingly. Yours, blah.