Wow How Clever Is That ? The Yellowe Is My Signature And The Red At The Top It The Account Number. I left a part of the acc number in the box below to show how bad it is. like i said whats my name doing in their signature line?

lol - ha nearly sorted it few mins thanks

I will have a go and black out the personal detail - that ok?

bit nervous to post up stuff - not sure how to I feel that the bit where they should have signed for the bank and it has my name on instead is iffy. I may say......... . The box under “Applicant’s Signature” is in error. In the item stating “Signed for and on behalf of Bank of Scotland”, is my name. I have never worked for your bank. I have to tell you that this is incorrect and the smudge on this particular line is wholly illegible. I believe this possibly calls into question the validity of this alleged copy agreement. doesnt this invalidate the whole thing? my partners name is NOT on the copy either but they ask for money from my partner .

NOW HERE’S A TURN UP Looks like Blaor oliver and snot have forwarded a 90% acceptable CCA The only thing I can question is the bit under “applicant’s signature”. Mine is there and my partners is on too but the bit that says “signed for and on behalf of the bank” also holds our signatures too with something underneath it that is blurry. Should this not just have their signature on it and not ours? Is this “signed for and on behalf of the bank” item vital or not? The preference account bit is also hard to see but the account number is clear at the top of the page. I also note that the 'Customer Details' only has my name on and not my partners although they send their letters to my partner as well for payment demand. It gets a bit complex. Its 2 pages and the back bit is CONDITIONS OF USE but that is hard to read. Vital or not? Now do I be nice and go with their call or challenge this? Just not sure about this one. What do I say?

Fair enough - shall do I have just declared war on several more DCAs who are sending me new accounts threats that I don't know about. The whole situation is crazy. CCA time again. Good news is that OFT got back to me again saying they are still monitoring the 1st crudites.

“If you have a credit card where the contract was issued before the 1st of April 2007 you will want to know about our credit card claims service. With each credit card review we analyse whether the credit card agreement is unenforceable.” Credit Card Claims. Claim to clear your credit card balance. Is this the same stuff what I have learned on CAG about CCAs?

I think the time had come to declare war on DCAs etc. I have just looked at the token payments going out on my bank statements and I do not even know who some of the agencies are I am paying. They do not tally with what was first put on my financial statement that CAB helped with. It is all getting so very confusing as I currently don’t know who I am supposed to owe what. I really think some are taking money that they should not be taking. Now is it best if I just stop all payments to all collectors (known ones or otherwise) or ask for CCAs first? Whats the best way to play this so that I get my bearing back? I have stopped tokens to the crudites, as you know, from having my cash as they are in default, but the rest?

I should also have mentioned that last year the badly scanned page of a “your personal application” form that the crudites sent to me had the bank code blacked out. Now the last one had it left intact. Why?

I would love to be a fly on the wall at their place and find out the truth. Some of the letters I have sent to them have gone for the throat over the past 2 years, thus "softee softlee catchee monkee" may be a little late I fear. I have however been polite and just kept asking for the properly executed CCA to be given to me. They just keep saying they stick with their opinions and that I must pay them. Result = they get zilch! They are not getting any richer by this silly bully boy tactic though and I can play it as long as they can - or until OFT take away their trading licence. I will be happy to give them their tokens again if they give me the proper CCA. WHEREVER THE FINANCIAL/BUSINESS SENSE LIES IN THEIR STRANGE ACTIONS I REALLY CANNOT SEE. IF THEY GIVE ME THE PROPER CCA THEY GET LOVELY MONEY - IF THEY DONT THEY GET NOTHING? WHY WAIT? AM I MISSING SOME POINT? "because their archives will (genuinely) be so vast that it is a major effort (or they have destroyed them)" So on that basis: (a) they think that constant pestering over a two years period is better than just digging out the CCA and getting payments back? I would have thought that they had such essential data filed methodically to allow easy access as this is their reason for business existence? (b) if they have trashed or lost the proper CCA as you suggest then they have no case, according to what I am advised on here, and are just hoping for me to be nice and give them gifts? This possibility begs the question of what exactly the badly scanned page, they keep giving me, in taken from? All very odd. Place your bets time ! BTW does all this messing about with such clowns really help/increase one's bargining hand via F&f offers en mass when one is finally in a better position to pay off all debts?

I have lots of creditors, some I am giving the quid a month to and others now nothing. Why oh why cannot these twits just send me a proper CCA and stop messing like this – I should send ‘em a bill for postage costs perhaps?? I am really looking forwards to the happy day when I can have real sport and pay off the ones who CAN give a proper CCA with a Full and Final Settlement and the ones who are playing daft games like the 1st crudities. No CCA = no pay out as you say! If the authorities keep their word after the Feb OFT attack on the crudites then they are soon to be in deep waters and possibly will get their trading licence stamped on . They are still demanding dosh be paid to them even though accounts are in dispute so...?? Its almost as if they are on a suicide mission to cripple their own company. Crudites without jobs - what a nice thought and real justice . What goes around will come around I reckon.

NOPE - NOT MADE ANY PAYMENT FOR AGES AFTER TELLING THEM THAT THEY WOULD HALT IF THEY DID NOT GIVE ME A PROPER CCA just gonna write to OFT about this one

Although BO and snot are happy with the quid tokens they seem to have forgetten my CCA requests, which were sent recoreded delivery. -------- Ho ho Ist crude has answered my detailed written complaint with one crappy paragraph which states they their opinions have not changed and that they look forward to me paying off the outstanding debt. That's it - no real response, just that. Naturally I shall bang one back saying that the bad copy they sent was illegable and that they remain in s78 defaut. They are unbelievable - probably best just to ignore them ??? Hello OFT again Just also noting that this response does not seem to tally with their 'own' set of complaints procedues. This says in 5 © that it can go to a FOS if I am dissatisfied which I am. Can I expect a more detailed fob off later from the crudites or is the this latest 'in dispute' threat their answer to my official moan? These clowns now seen to be ignoring their OWN complaints policy guidlines so maybe I need to tell them so?

Thanks DD- this has all gone into complaints of course. I would have however thought that a "properly executed copy" was more than just one single page scan? Latest fun is RW saying they will check to see if they can get me a CCA - funny as Crudite solutions seemed to have tried, failed and hastily closed that account then sent it home Still no CCA s off Blimp oliver and snot tho .. just nice letters saying they are happy with a quid a month..

It is a rough scan of a form headed “YOUR PERSONAL APPLICATION” To the left of this is says A96 It is signed and dated with details but I cannot read what it says under the bit saying ‘YOUR APPLICATION DECLARATION’. It is so badly copied and impossible to read as the text is all blurred and so small. The 1st crudités still say that this will LEGALLY suffice though. They are aggressively adamant that they have me by the short and curlies with this single page, which looks like a draft copy that’s run out of ink. But if they are so confident in their position why have they been threatening me with it for so long now? They seem so very sure of their facts and they just threaten and bully me. Why did they demand my signature though on more than one occasion after I said this rough single page copy was not appropriate as a CCA, subsequent to following helpful CAG advice that CAB were wholly unaware about? It’s baffling. I just wish I had them one way or another over this vital point. Nevertheless, my complaints are in as I stated before and OFT are watching it all. They are welcome to a quid a month again, all I can afford, so long as they give me what I am advised on here is what they should give me in the form of a properly executed copy oy the agreement ... PS Latest fun is that I asked Blearr oliver and stupid for a CCA on accounts after they were snotty about me keeping up token payments. THEY SAID THEY WANTED MORE PER MONTH. They were getting pushy – now they have suddenly said that the tokens are "acceptable" once again but no sign or mention of the elusive CCA yet. Revealing hey!

"Is My Agreement Enforceable" Thanks DD - I will try and find it somewhere. Any clues to which thread to start with please ? http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful.html BINGO TA

What I would dearly like to see is an indisputable example of a CCA/copy agreement to be posted on this thread. Something concrete that shows what we need to be looking for when devious DCAs give us crappy single pages copies of stuff that is so hard to read. You see their main argument for attack is that if the page they send us has our name and details on with a signature and bank numbers ec then that is all they need to intimidate one into handing over the cash. We need to prove that they are wrong here.

SOUNDS ABOUT RIGHT - MANY THANKS One minute they give threats then the next they say payments are accepted. Communication probs within I think. I await the CCA reqest to be honored - if they fail this test so do further payments as with the 1st crudites.

The plot thickens HERE WE GO AGAIN. Another collector is now pushing their luck. Blure oliver and snot (I think that’s what they are called) has so far ignored my CCA request and is shouting about wanting more than the token payments I have been giving them. Early days but it sounds like more fun to come. They are still taking tokens whilst shouting though as one would expect. Not sure to cancel, these payments yet are not? If they play nice I may let the quid a month continue so will see how they go. Here's another question. One account they are chasing me for has my name spelt wrongly – is this useful to me and just to be put down as a slight error legally speaking? You know – spelling John as Jon sorta thing?

So with that in mind, outfits like RW, that ask me to prove a dispute, can go and whistle. They have no right it would seem to take such a stance. I wonder why Credit S realised this mistake closed the case and sent it home to thed OC - whilst RW are semi- chasing it? Very odd! I smell a rat.

"it's an old trick- act dumb and pretend you don't know anything" I Claudius?

Panis panic .. What you mean they all have our CCA material or just that they know the account is in dispute and are acting daft herein for some inexplicable reason? I think you mean the latter - yes? Whatever do they hope to gain though by just making us more work via proving anything to them? War of attrition tactics perhaps to wear down their victim? I feel that I am seeking a deeper psychological angle on these DCAs as when I have this digested into my mindset I will be even more able to counteract their attacks. One has to know an enemy intimately to combat them.

Cheers folks - yes, I have told them (via recorded delivery) that the responsibility is clearly on their company to address this issue rather than expect me to spend time, expense and inconvenience on it. I also told them to go ask the OC why they have shipped this off to them when Credit S bloody well closed it and sent it back to the OS after I had asked for a CCA. Yep - I also sent the letter you mentioned BB to them and their silly no idea about any dispute crap followed it. Fireworks due perhaps here between RW and the naughtly old OC. LOL. Has someone told someone else little porkies about this account or at least been rather economical with the truth? At least getting CS to bugger off like a greyhound after a hare was a minor victory I feel. Odd that they just dissapeared after the CCA request went in eh. They are NOT as hardline (or stupid?) as the 1st crudites are clearly. It gets almost funny after a while with these terminal plonkers. The really great part that I look forward to will be when I get funds one day to settle up (borrowed off a fine mate of coures, wind wink) and these types are totally omitted from my full and final settlement plan. I suppose they will pester me forever then but so what - who cares! Lovely! This good place is not a forum - it is a sterling fellowship against dictatorship and oppression.

Gottcha. Now here's a laugh. Roinsun Wee as mentioned about were told to bog off after chasing me for a debt that Crudite Solutions had takaen off Barvlycard and closed after I asked for a CCA. NOW RW have written in saying that their client has no details of any dispute. they also ask for evidence to support my claim. Why the hell shoild I chase after them when CS sent the accout back to BC and they in turn gave it to RW?