Hello again guys, so we sent them the "prove it" letter 3 weeks ago and have not heard anything from them until today. We received another letter this morning. It is a little limp wristed tbh, almost apologetic in it's wording. It basically outlines what the debt is supposedly for and how they would very much appreciate it if we contacted them to clear it. I'm quite confident in our position (thanks to you guys) but my question is would it be the right thing to ignore the letter or should we reply outlining our position?, which is that the debt is in question and as such should not be paid at all, let alone to the dca, who by all rights shoul

But you were smart to their ways! You’ll never take me alive, Carter!

My issue has been hapily resolved, thanks again to Lee, and to vodafone as a whole for being so reasonable

Sent them this: http://www.consumeractiongroup.co.uk/forum/content.php?419-Letter-used-when-a-DCA-refuses-to-comply-with-a-CCA-request adding in the following: If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

Plusnet don't credit check you (but don't rely on them not passing the credit check to a third party....... they couldn't confirm or deny doing this. Otherwise would a dongle be of any use as a short term event. Is the house currently 'wired', if so you could ask the owners to transfer the line to you....

Letter from library you will need to amend it to add - Default Notice, any Notice of Assignment (as you assume that the account has been sold) According to what they have sent it looks like the account is still active and not in default or arrears or sold on! - apart from the fact that there is no statement of payments etc LETTER BEFORE ACTION Section 7 – Data Protection Act 1998 Dear Sir/Madam Account: xxxxxxxx I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated (Insert Date). The disclosure of personal data is incomplete in that at least the foll

Royalscot, I have attached a spreadsheet with your calculations. So you understand what I've done the calculations are done by: 1) Cost of PPI. 2) Plus compound interest. 3) Plus 8% simple interest on monthly repayments, from date of repayment until date they repay you. As we cannot know this date at the moment, I have used 31/10/10 for the purpose of these calculations. 4) Plus 8% on balance ( ppi cost plus compound interest ) from date of loan settlement until date they repay you. Again we cannot know the date so I have used 31/10/10. Write a letter to the loan company stating why you believe the PPI was