Had the same with this bunch, Fletch is right, Cap One could not supply even an application form just a set of terms and conditions no name on it or nothing, told them they had not complied they then sold to Lowells who said they are waiting for a CCA from Cap One who are searching there very very deep archives hmmmmmmmmmmmmmm Told them best of luck as Cap One had been searching for it for 18 months prior to selling Lowells a lemon. I took mine out about the same time, at some Airport if I remember !!!!!!! The only good thing I can say about Lowells is they have an e-mail address and are happy to correspond that way. A friend of mine at work has had his Cap One written off by Lowells due to No CCA forthcoming, they say it made business sense to close it and that they would not be selling it on either, !!!!!!!!! And it's in writing I was amazed. ( there may be hope )

Yep concur with Brig, They would have used that if you had defaulted on CCJ. Go for your sale with a easy mind.

Wetcloths haaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa Well said Brig, they are bullies and you know what to do with bullies. !!!!!!

Thanks panther doing it now

Had the same problem with these muppetts when my late father passed on, they even wrote and told me he had a property call XXXXXXXXXXXXXXXXXX house, which in fact was the Nursing home he spent is last few weeks in with his nasty Brain tumor, and if they properly checked they would see he was a council tennant all his life. I knew nothing of the debts he had and the insurance just covered the funeral and what was left over went to his Grand Children £100 each, it was over a year after is death that I was contacted. They had it back big time. Tell em to jog on, in more stronger words as I used.

Ok, I re-sent them the CCA request and a letter telling them they had a duty to pass on the request and today I find the same mantra letter from Wetcloths. What a bunch of Muppetts, this account is now in dispute as the request was made in August. The request was made with the template letter, there was the correct fee as you can see at the bottom of the letter. What are these idiots trying to prove. Should I now just ignore and tell them to bog off if I have anymore requests from these dicks or is Boo around to give me one of his charming polemics, now that would be good. Again dear friends, await your advice.

Westcot ruthless, about as ruthless as your Garden Slug,,,, that is why they are called Wetcloths on here. !!!!!!!!!!!!!

Thanks Guys just as I thought. I have sent it back to them with the £1.00 PO and told them it is there responsibility. And yes Citizen B they did return the money. Thanks again.

Recently Wetcloths have been trying to collect on a old Mint Card. I sent in a CCA request and this is there reply. My question to refresh my memory is, Should they not have passed it on, what should I reply back to these muppets ???? As ever I await my learned friends advice.

HSBC, what a bunch of T**sers, ( we don't freeze interest and charges only in exceptional circumstances ) and no repayment plan for benefits,,,, Tell them in no uncertain terms then until they stop adding charges and interest and come to a sensible decision then no payment till Hell Freezes over, as Boo say's what can they do to you. !!!!!!! Your on benefits, no assets the whole industry is a joke. I would like to see the face of the DJ when they put that bad boy in front of them. But to cover your back, paper trail, paper trail, one thing I learn't on here, is to reply by e-mail if possible, to every threat sent. But thanks to these great guy's and girls always remain tough and if in doubt ask on here, they will put you on the straight and narrow. Have £80k of unsecured, 34k was a secured loan short-fall, most of mine were unenforceable and thanks to these guy's life is a bliss. Yes the Hippy still lives thanks to CAG. Morning Boo and Brig and others.

had the same problem with Tesco this time, have been paying them for four years have managed to raise it from £1.00 to £5.00 over that time, this time they kept saying I need to fill in there IE, BOY they did not give up, kept saying they would take me to court so in the end done me simple one £ income £ outgoings money left over this is what your getting. There IE form is so personal, with questions like why did you get into debt, partners income if your sick send in sick note ( bunch of jokers ) so my three line IE is all there getting. Will see what they say.

Thanks guy's your great. Thought as much, when First Plus rear there ugly head as we know they will eventually or some muppet that has purchased it I will play a little ball game at first take it to the wire then go BR and Mrs ex can do what she wants. Oh how what goes around comes around, for five years after dumping me and me paying the mortgage and secured loan working seven days a week, no car no money, it is now me who has money put away beyond the reach of anyone, a little car now a lovely home. She on the other hand is now so broke she had to borrow £30 of my sons birthday money I gave him. !!!!!!!!!!!!!! There is definite Karma somewhere. Off the subject just listening to an article on the radio about Edward Snowden blowing the whistle on PRISM,,, Alway's new big brother was here living next to that lovely Doughnut shaped building called GCHQ, WELL MI 5 OR MI 6 IF YOUR READING ME POST you have a sadder life than Mrs EX Hippy and yes most Politicians could not sort out the quaint P*ss up in a Brewery. Think I will purchase some carrier pigeons for my clandestine pagan sect that meets every Solstice at Stonehenge, mind you there is a dodgy looking geezer in it, he maybe a member of the Special Demonstration Squad, oh dear can't even howl at the moon in peace these days !!!!!!!!!!!!!!!!!!!!

Hello to all my CAG friends, all is well in Hippy Land so far, tempting fate I know. !!!!!! Most debts unenforceable, lovely rented three bedroomed detached with a work colleague as lodger who is never here. Never been so well off and its 99% due to you great guys and girls out in CAG land. Now I let them repossess old house and low and behold made enough to pay off mortgage with £10k to spare which went straight to those gangsters First Plus. Now even with that me and ex Mrs Hippy still owe them about 30k, no worry for me as I have BR money saved and will just go BR if the going gets tough on this one. Now I have spoken to Mrs ex-hippy as we now get on a lot better, even helped her with her debts, but she just buries her head in the sand really, she has 50k unsecured and has not paid a penny to any since 2010 and amazingly even with all the threats she has not even been taken to court, ( beggars belief really ) least I tell them to produce CCA which most can't as they are from the naughty nineties ) I think it goes to prove that DCA's and the debt purchasing companies are very reluctant to go that route as they know they would probably only get a token £1 from the ex. Back to First Plus, so far and I know this is tempting fate I have not heard a bean from them since January 2012 when I stopped payment, my battle plan when I do is to say can't afford to pay you go to Mrs Hippy, she will obviously say the same and so battle commences. On a JOINT DEBT if they feel they want to pursue through the courts do they do it as a joint summons??? or both individually ???? I have no intention of letting it get that far, I will be off to the BR courts before it gets that far but was just curious as to how a joint debt is enforced through the courts. Once again a big thanks to all you great stars out in CAG land, The Brig, Bazooka, just to mention a few.

Really nice take on life wastedmoney, I have thought many times about it, my lodger has just gone bankrupt and it seemed so painless. Have about 90k of debt, secured loan and credit cards and loans etc. I am just waiting for First Plus to raise there head and ask for there 45k back and then I shall go. In rented accom no assets so again what can they have. Probably left with same as you so as you said, three years and it's over. I will look you up on site if I need advice

Oh Duffers Mum, is this little odyssey still continuing ????? Now take a good big chunk of delight out of this. 1. Wright Hazzle were caught with there pant's down telling you a porky pie, if they think they can do it,, what do you think Crapbot do.. BUT THE MOST IMPORTANT THING I SEE ON MAY 21ST 2013 IS THEY STILL HAVE NOT TAKEN YOU TO COURT !!!!!!!!!! SPEAKS VOLUMES TO ME. IF THEY THINK THEY HAD A CASE FOR YOUR HARD EARNED THEY WOULD HAVE BEEN THERE FASTER THAN MR BOLT. I hope there is a little smile on duffers mum's face,

Like the without a CCA from you, I can: Tell you to get stuffed Pay you bugger all ignore your threats until the debt becomes statute barred Put my feet up and have a nice evening Spamhead, can I use this please don't want to infringe your copyright.

I have read this thread and am absoloutely astounded at the way you are worrying. It's the DCA's main weapon, great advice on here.. NO CCA - NO PAY they have admitted as much. Just use the letters has hamster bedding as Boo would say, you are in the driving seat, have some fun with them remember it's costing them money so I would make em pay by wasting there time. If they have not produced the CCA by now you can guarantee it does not exist. So chill out, have some fun and have the template letter or e-mail ready for any low life that thinks he is going to get your money. Write to any DCA's along these lines, Dear Sirs, I refer to your most recent literary masterpiece dated ?????? a copy of which is attached for your ease of reference. You and other DCA's have been bothering me for some time now. I now view your latest letter as a final admission that you are unable to enforce this alleged debt as all of you have failed to provide a copy of my Consumer Credit Agreement. I would now invite you to make a business decision and close this matter once and for all. I will now spell things out for you so there can be no mistakes; • I will not be making any payments to your organization. • Any further mail from you will be sent back unopened and stamped “junk mail”. • Take me to court. You have no case, and I’ll counterclaim. I await your response and due diligence in this matter. Your next letter to me will be the last one that I open. As stated above, all future letters will be returned unopened and stamped “junk mail”. Thanks to Boo for this inspirational letter

I had two Barclay card accounts, well three actually they bought egg. They have written on all three saying they do not have the CCA's and yes it is un-enforcable but the debt remains, the usual blah de blah, the only way I got them to admit it was under the consumer protection form unfair practices. Now they sold two to Cabot and they had the same response from me, NO CCA NO PAY as for the egg one they have tried four DCA's and exactly the same, sent the letter from Barclays saying sorry no CCA, so told them to bog off which they did quite easily. Cabots last fire of there gun is to threaten you that you have paid for blah blah number of years so you have acknowledged the debt, that is easily put to bed by quoting court cases which you can find on here. To end the letter I always say if you think you have a case under this dodgy piece of made up nonsense, see you in court. They then reply WE HAVE NO PLANS TO TAKE YOU TO COURT, as you are aware we cannot enforce and enforcement means county court blah blah.... So as diddy say's they probably have not got one and the ball is firmly in your court.

Yes Boo, Have been paying them £5.00 a month started with a £1.00 a month then increased when my situation improved. Never missed a payment, only about £540 left on it. They did send a CCA it looked ok but will give it another glance. I have sent a SAR they have already admitted I paid £124 in PPI which was no blooming good because I was self employed and already had insurance out. They refused a refund so I am going to calculate what they owe when I get the dates with the statutory 8% interest and any late payment fee's. Then offer Arrow a final settlement of probably £100, if they don't accept they can go to court. My secured loan which is no longer secure is over £40k and I have me BR money saved so they can take a hike really.

Hi guy's A short while since I posted on here but just to let you know all is well in Hippy land. House was repossessed and sold and made a small profit which went to the second chargee. Now a quick question, I was paying off a Debenhams card only owe £500 now, CCA was the best I have seen so all water tight there. Now I had a letter saying I paid £124.00 in PPI Some years ago, went for a claim but they refused, told them I would get back to them. Santander have now sold this account to Arrow so I have winged off a SAR to Santander to find out what charges etc and PPI are on this account. Looking at the calculators if say in 1998 you were charged £25 for a late fee what is the end date you need to put in.????? the same with PPI, What if I suspect it comes back saying PPI paid from 1995 - 1997 do you use that start date and finish date. ?? or would you use todays date as the ending ??? I'm a little lost on this. As this is such a small amount and I know there are charges on this I could get this finished or down to nearly nothing. Sorry for being a bit thick on this. Great to see all the guy's still working hard to keep those sharks at bay.

oh dear, I have an old egg card which was sold to Barclays, they have sent a letter saying they cannot find agreement and yes they can't enforce etc etc, scanned it and kept it safe. Now they have put three DCA's on the case, each time I just send a copy of the letter to them and whoff off like a ferret up a down spout. So now I can expect Marlins by the sound of it, these bad assess need watching, I have dealings with these clowns over an overdraft, hard core idiots and quick to put you in court, though they have never tried it with me. I have £375 of unfair charges and I keep insisting I owe only £430 instead of the £805, guess what, they keep offering discounts of £375, leaving a total of £430 I say I will except your offer of £375 discount from the £430 I owe, so how do you want the £55 haaaa WATCH THESE CLOWNS THEY ARE QUICK OFF THE MARK TO THE COURTS AND HAVE APPEARED ON A CHANNEL FOUR DOCUMENTARY

Had the same nonsense from these jokers over one of ex Mrs Hippy's account, did the same asked them what piece of legislation gave them the right to stick a thumb up to the high court, guess what no response, NO visit etc etc... they are really joking if they think they can ride rough shot over common law. I am a member of our local British Legion does that give me the right to go and pester people !!!!!!!!!!!!!!!!!! a**holes that's what they are, or shall I say desperate. In My five years of dealing with these idiots all I have ever had is One visit from snotcall a very nice chap called Kevin, he came after a really big argy bargy with Mrs Ex Hippy, thought it was her back at the door so shouted Feck Off, when I realized it was not I opened the door to be told he was from Snotcall and he would like to discuss blah de blah, quoted him the sorry you have no appointment etc etc, he was very well mannered and said ok yes your right, but on turning to leave he did say it must be a really bad breakup I will make sure I don't visit her... which made us both laugh. The moral of the story really is, these people are for whatever reasons doing a job, they are human ( I think ) so if they are polite if they do chance there arms I think it is only fair to be polite back. I know from stories here there are some hardcore tossers out there, different kettle then, doberman here it comes

Yes, that is quite correct. It makes no sense for them to repossess if you have nothing to give. They will sit back and add charges and interest and penalties and hope that your property will increase. So yes BEWARE, once they know it is worth pursuing you will hear from them.

Nothing surprises me with Barclays First plus, there is the clue in the name, BARCLAYS, now with the LIBOR fixing [problem] this company is going to get hammered, keep your eyes peeled have a look on the First plus forum this is disgruntled First plus borrowers they are looking into legal action against Barclays for the fixing scheme. I had a first plus loan, but after my marriage breakdown I just handed the keys back to the 1st chargee and walked, told First Plus they could whistle for there money, I have my BR money saved and have never been so well off in a way, I have paid my unsecured creditors who managed to supply a valid CCA and kept the account a small sum, ( not many could comply ) so from spending £1,130 on a house and £640 + outgoings on debt and working everyday God sent I am now down to a nice rent and £40 payment towards the few creditors who could comply. I have me two days off and my health is much improved. NEVER AGAIN WILL I GO INTO DEBT FOR ANYTHING. I am in my mid-fifties now and yes I was silly, took massive debt on mainly for my self employed business I had. I have been since 2012 such a happy bunny now, not rich at all but at least I have food money and utility money without having to rob some other. I push bike to work. I would certainly take a long hard look at your contract and if it were me I would tell FP to jog on, but that is entirely up to you.

Good old Wright Hazzle, they were the Muppets that went to repossess me house after I gave the keys into the BS, they only went to the wrong house !!!!!!!!!!!!!!!!! Duffer's Mum, it's the same old same old, stick by your gun's, they are only sabre rattling. Tell them they are in breech and let a Judge decide if they think they have a case. Time to put this to bed. Tell em, CCA please ( original ) not some Alice in wonderland made up one. No more contact and bye bye. That's my opinion, you have nothing for them to take, so be it. The shout is yours, anyway HAPPY CABOOT FREE NEW YEAR X X X X