Ok kinda hopin this works - if not will try again lol woohoo! Fox i lurves ya!!!! Cheers hunny xx

ha ha - Are u going all incredible hulk on me fox? "Don't make me angry - You won't like me when i'm angry" ha ha - Am trying to make bigger bear with me hun x

Just realised is prob too small soz - will try again (am new to the whole uploading bit lol) Mpols x

Soz hunny - i just have a pounding head from trying to sort soddin scanner & questioning meself as to whether or not this is actually what i asked for doh! I s'pose i could type up a description of the boxes included on the form if any1 in the know asks, just until can upload it. Will see if Hubby has any luck with it in the morn. grrrrrrr!

Hi again - evenin all, Bloomin scanner not up to the job doh, double doh - So hubby gonna sneak copies into work tomoz & try to upload them from there - I just would really appreciate some1 saying yay or nay as to whether they think its enforceable or not. Anyways, Sleep well. Mpolsx

Ello guys & gals - bit nippy eh! Important Update: Had a wad of paperwork through from my pals today - Will try to get scanner working so can post it up this eve as really really needing some1 with a bit more savvy to give their opinion if at all poss please. They state that they have enclosed :*cr agreement, statement(s) of acc, terms & conds, Notice of ass, & intro letter. *Initially i thought this was enforceable as has my details & sig on but the copy is really badly blotched etc & the writing so small & then when i looked again, it seemed more like an application form :-| - plus i'm not quite 100% sure on the dates etc (Will get orig p'work down to check), Anyways, Like i say will defo try & scan tonight & if unsuccessful with scanner (keeps getting poorly doh) will ask hubby to do at work tomoz, lol. Ok, First page of wad was covering letter as follows (pls excuse typos - dunno if is just another template? "Further to your request for info under ccact, we pleased to enclose all relevant info. Cabot & the O/lender have now completed the relevant obligations under the ccact. As a result, cabot is entitled to resume collections of the outstanding balance of £xxxx.xx. In the event that you wish to claify or query anything relating to the enclosed info, contact blah blah. If you are querying any part of the info provided by cabot, which you have not yet been able to clarify with us, we recommend that you seek legal advice. E robertson." Next was very bad copy of (apparently) agreement, as mentioned above, Next were 3 seperate photocopied sheets of barclaycard conditions (again writing so so small - need a magnify glass to read properly - & i have perfect 20/20 vision lol), Next are the first 2 (copy)statements from when the acc 1st opened, plus three from 2007, Next comes a "representation of letter dated xx/xx/07" (written in pencil at top of sheet) of 'Barclaycard assignment of debt' etc, Next is another "representation dated blah blah" (again in pencil at top of page), of the Templated welcome to cabot. (None of my particulars are on it of course) Then a d/debit form, And lastly a printout of payments/int' charged since cabot had acc. (at least printout is easier to see even if is harder to make sense of doh!). Ok, Hoping that has made at least SOME sense to a few of you who may be able to help - very soz if rambles a tad - like i say, i will upload actual copy of 'agreement' asap. Many many thanks as always, Mpols x

Cheers hunny, Big help! Will sort & get sent asap. Am off to bubyes b4 sprogs decide its playtime already (usually approx half 1 am doh!). Talk soon! Mpols x

Ps. Hi guest

ditto x Am looking for the template now. Mpols x

Hi Will, Hope you are enjoying 2009 so far! We seem to be one letter ahead of you with these silly bug*ers...Received the predicted final nail from Lowells on New years eve stating they closing file (yay) & waiting for another update from Cabot regarding both mine & hubbys files after the last one stating exactly the same as yours. Time to chill for a bit friend. Far more actually important things in each persons world to worry about for the time being..Don't waste another thought on them til they make their next move. Take care, Mpols x

"To remedy this breach you must pay us the total arrears of (amount above) before 25/12/08." (post #13) Just to update - Obviously i didnt pay the supposed outstanding balance/arrears etc & on everyone's advice did not fwd an acc in dis letter either yet, But have still not received anything else from them yet so am assummin they in the process of flogging me one to the next sucker! Watch this space me thinks! Thanks as always, Mpols x

Hi guys & gals, Thanks for all the support! Will send em a copy of the acc in dis this week to reiterate re processing data etc & see what response is given. Have resisted urge to frame letter stating file closed lol! Simply filed it away somewhere very safe (after photocopying it just in case ha ha). Hope all well. Mpols x

Hi Milly (happens to be my youngests' name ) Mayb they sent u another copy to try and get u to repond? i dunno - Think i would just file it away with all the others hun. Hope u feel better soon - Happy new year to you too. Mpols x

Happy ney Year peeps!!! Update: Yest received letter true to what you had all predicted for me telling us that they had been advised by O/C that there was no longer an original agreement to be located due to the length of time that the acc had been open apparently and that they were closing their file against us unless the said agreement is miraculously discovered at some point in the future!!! Woohoo!!! Was so chuffed to get this & more so beings as was the last day of the year! Thanks everyone for your help so far with this company in particular! Hugs & best wishes Mpols x

Hi peeps is Crimbo eve 7 still nowt from my old fwends cept another standard template to say acc still on hold & they still waiting for O/C. What the hell was the point in all the worry & stress & upset & illness & frustration & anger & fear......... & "five goooooold rings"..... yeah u get me drift! Am so enlightened since joining this fab brill amazing community & so grateful too - Bring it on i say - The barstewards will not scare me again - in fact i would welcome the adrenaline rush from knowing that i can hold my head up against em - I have not been a wont pay i have been a cant pay & have always maintained comms with the lot of em - Now i know they in the wrong & am looking fwd to seeing the consequences of their actions Have a brill few days everyone & happy new year! Mpols x

Update - Letter stating they contacting Cap one re query. Mpols x

Merry crimbo eve to all of yous!!! So so soz not been online few days - Been mad here with youngun's & bdays & fam visiting etc - But am Fox is right Milly, Am chuffed for you! & Yep, this £1 a month that has been accepted is brill for hubby rather than what it was previously & until they provide the paperwork it is all they will be getting - Am waiting to see if they pass it on now ha ha! Anyway, am hoping every1 is well & relatively happy & has a fab few days! Big hugs, Mpols x

Ello peeps - Just an update to let (Rory) know that response today in form of letter stating will accept the £1 pcm payment offer on the basis of the template you sorted for me - Many thanks indeed! Take care, Mpols x

Hi peeps - Just an update to say received another bog standard reply today stating that they still can't provide agreement due to still not receiving it from O/C (littlewoods cr/card) so they are keeping acc on hold until further notice! Hope all are well & getting excited for xmas! Mpols x

Evening peeps - Just a quickie to update that has been Just over a week now! No reponse so far! Is sooooo quiet...They don't call, they don't write..... Take care, Mpols x

Evening peeps - Just a quickie to update that has been a week & no reponse so far! Is sooooo quiet...They don't call, they don't write..... Hope every1 fine. Take care, Mpols x

Lmao! I'm more than willing to share some of mine fox if u want ha ha! I just thought it was easier for my addled brains if i started a new thread for each dca/cred that i am dealing with rather than trying to put em all the one thread and then getting confused etc! Happy days eh! Take care, Mpols x

Hi SH, Had a 'notice of default' from them dated aug 30th because we opted to enter reduced payment plan with them rather than give up paying them at all, so i think it probably is a proper one - will type it up in ful though if you want to see the wording & terms etc, (no scanner so will have to type it this eve). What amazes us tho' is that Hubby has exact same cr'card (obviously diff amount) with them & his acc has had EXACTLY the same treatment with correspondence & red' payments etc & His was cca'd the same day as mine too (7/11) but not even had an acknowledgement of his request let alone defaults or reassignment etc! I think i will adapt the letter Rory drafted for me in one of my other threads & add the whole acc in dis section, offering them £1 a month until they provide agreement or at least acknowledgement that they are looking etc...Hmmm.... On diff note, Cabot tried ringing me few times last couple days, but nothing last night so am assummin they have received the above letter! Fingers xed eh! Thanks as always, Mpols x

Hi Milly - Soz hunny, not been online properly for few days as littl'un poorly so didn't realise ur post!! I think The G/M & S/H have the right idea, although i am not quite confident enough yet to give huge advice to others, i think that what they have agreed seems the best option, i would probably file it away & keep it nice so that you have it to show a judge etc if nec' in the future! I sent off a copy of the letter Rory drafted for me last week but obviously haven't heard anything yet, unless a reply comes in the post this morn! Take care & let us know if anything else turns up! Mpols x Ps, Thanks Godmother & Scabhunter for jumping in! xx