A few years ago everyone would have quaked and collapsed and coughed up at these empty threats. Now thanks to places like this we know our rights and if they can comply with the law then they get paid. If they cant thats their problem, Sad for them isnt it. The law is their for everyones benefit. Sometime some of these greedy people will learn treat the debtor with respect and more often than not they will get whats due. Treat people like dirt and what do you expect.

If they cant prove it then its unlikely whoever they sell the debt to will be able to prove it either. The more the debt is passed around the less economical it becomes for the DCAs to persue. Yes of course they will huff, bluster and threat but without the proof they cannot enforce it

RWC seem the least of your probs DMD. You are handling eberything so well. I personally think RWC are in a corner and you have licked them

If you can get the leeches off your back by them not being able to prove the debt then to me anyway Thats A Victory

They will probably do FA but it gets them off your back. Its up to you TIFO how far you push it. By the way are we related we both seem to be dealing with the same professional highly trained Debt Collectors (their words not mine OBVIOUSLY.) Good job you cant type S****horpe into this

Bit late for them now after what they have sent in response to you CCA request. Imagine trying to explain that to M'Learned friends in court. To say they would be in deep doo doo would be putting it mildly.

Exactly. You now appear to have them by the nuts. Now take a deep breath and squeeze them hard:D

They will have committed a CRIMINAL OFFENCE someone here will give you details of a suitable reply. You have won

Dont forget these sad people get paid commision for every penny they get out of you. I WILL BANKRUPT YOU -- Just who TF does he think he is:mad:

yes

Exactly they say you owe them money. Its up to them to prove it. MAKE THEM

NEVER EVER SEND THESE PEOPLE VALUABLE DOCUMENTS LIKE A PASSPORT OR A DRIVING LICENCE They are alleging you are the person with the debt. They would need to satisfy a court of your identity before they could summons you. The onus of proof is on them NOT you. They are quite happy to phone you, threaten you with all sorts but when you make a legal demand they put obstacles in your way. They have 12 + 2 to prove. Their problem not yours

Ok so it might be unreadable on the fax/scan they sent you but if they brought the original document to court then it would be legible. On that point can anyone tell me do the DCAs have to produce the original document in court to prove a contested case

Im no expert but without their signatures these would appear to be worthless (to the DCA anyway) Worth a lot to you though epecially if they turn up later with a signature on them

On the other hand Dave they may not be able to produce the requested document. Im following this with interest as Im a few steps behind you with this shower

Probably the electoral register

Wonderful what happens when you ignore their telephone threats and use the law to turn the table. Needless to say you will not be availing of their generous offer

Did they send a deed of assinment handing the debt over from Barclaycard to them. SAR Barclaycard to see if there are any illegal charges on the defaulted sum. Scan the form you got from lovely Lowells and some of the more expert people on here will tell you if it complies with your request. Lowells are not as clever as they imagine sometimes

Its their problem. Your letter stated specifically what the one poind was for. How they chose to use it is up to them. You have complied with the CCA and in just over a weeks time they will have defaulted. The shoe will be on the other foot. Hopefully they will go for the further calendar month and then they will have committed a criminal offence

You could write and explain to them it is an offence to obtain money by deception. Bet they dont have a template letter to cover that. They say you owe them the debt. Let them prove it. Send them the harrassment letter and get your phone company to ban witheld calls. Give them plenty of rope which will allow themselves to tie themselves in knots and hopefull eventually hang themselves. NEVER SPEAK TO THEM ON THE PHONE

Obviously this does not apply to those that they phone up or fail to comply with legal requests under CCA or the times when they phone despite being warned about harrassment

Love the bit next instalment £0.00 netxt due 00/00/00 You better send the a checque dated 00/00/00 in the amount of £ 0.00 oursoles

Thats their problem not yours. If they cant prove a debt how tf can they demand money for it. Oursoles

They havent complied with your CCA request. They are in default. In their letter which is an industry standard threat the seem to assume that if it went to court they would automatically get a judgement against you. They havent even proved the debt yet. More exper opinion will be on here later. But above all things DO NOT RING AIC

Sue Your first letter was clear enough. You told them what you were sending the £1 fee for. If they want to act dumb and knock it off your balance then thats up to them. Its their duty to comply with your request. Its sad to think that some person probably claimed commision on your 'payment' of £1. Oh well lets hope it helps them reach their targets. Remember the clock ticketh to 12+2 whether they play silly buggers or not