DD - BRILLIANT - THAT NAILS IT. Ta very much .. The scan is hard to read even with good glasses but they have put all their eggs into this shaky basket. It's hard to see why they would hang onto a proper doc and keep blasting out this same old crummy scan.

I was told earlier that payments in good faith and under duress when one thought a debt may exist was a seperate issue and that counted for something. I also nearly paid a westcot debt which was not mine so .. Are you now saying to pay up and smile ? Sorry, I am a little confused. I have just had yet another bad scan of the alleged single page from the 1st crudites and their tone was to say' here it is what you moaning about.' They say that they fail to see how they have not honoured my CCA request and quote the last copies of the scan they have been sent in to me. They also say they are confident thay can demonstrate they have acted properly. They seem to be relying on this hard to see scan for solid evidence. Even after all this they say I have not given any evidence why I shouid not pay them. Incredible or what.. OFT may have other ideas OH YES THEY ALSO SAID THEIR RESOLVE IS TO SORT OF ISSUES "INTERNALLY." They also said they had sent me a FOS form but no such item was included. Total confusion lurks in the dark corners of Reigate. I really smell fear in their wording and perhaps karmic retribution is not far away. So long as you guys on here are correct about the bad scan not counting as a PROPER CCA I will have them and not stop kicking them until the game is over. This seems to be the crux of the matter SO......... "statute barred will count after 6 years since any written acknowledgement of the debt" Not too sure what that means. Does it mean a debt is not enforceable whatever after over 6 years? A have also now launched into asking 4 more DCAs for CCAs

As the crudites had a few payments off us over the last year the following may not matter. However I just noticed the actual age of the alleged accout they are chasing - the date on it is 2002. Does it change anything? Complaint has now gone in to these odd flippers as well.

Yes - all very iffy eh.

Yes, I would have thought that so long as you have written proof to say that the debt has been settled all you would need to do is tell them

Thanks DD - appriciated I have probably reminded them about non complience about 5 - 6 times. I shall act accordingly with the brief complaint and then wait it out. ACCOUNT IN SERIOUS DISPUTE! Just one more point that came to mind re a complaintThey happily send confidential materials re alleged debts to folks and then ask for the signature 'later'. Is this not a BREACH OF DATA PROTECTION ACT ?

Right - re-reading your data I do not complain now - I just wait for a DN which will be invalid? Then? Sorry - you have to spoon feed me . Surely they know that a DN will be worthless as I have been shouting back for a proper CCA for ages?

Right - many thanks. No - I have no DN, just lots of threats to pay up or else. They have also sent me there complaints procudure policy and I was about to send back with the complaint about them having not complied with my CCA requests for over 12 months. They just sent the bad scan of some single page. So I now just wait - yes? What happens next? Should I not still just complain officially via their complaints procedure that no CCA has been honoured by them as they fully know already? Just thinking that if I ignore that they will say I never complained properly to them! "at this stage the ONLY debt you will have to them is the amount of arrears that they were claiming on the DN at the time of termination" That sounds iffy. Why should I owe then aything if they cannot prove a debt, via not producing any proper copy agreement?

"have they issued a DN?" What is DN? "once they have terminated " Can you clarify that too please? My complaint is about them not honoring the CCA for so long and hassassing me with legal threats. This is something they cannot change now. I will hang on tho until you get back on those 2 points. PS "so my advice- say nothing" Do you mean I should not complain to 1st crud as planned via their procudure polity - until what ...? Soz - a bit confused here now.

siamshops Hope you have CCAed them as that is a lot of dosh to pay out.

OFT are watching the crudités VERY closely it seem they just told me they will take into account the further information I have helpfully given the as they continue to monitor this “trader’s fitness to hold a credit licence.” I have as you will be aware been asking for my CCA to be honoured for over a year and all they gave me was harassment and a badly scanned page of something, which you guys said is no use to them as a "properly executed copy "of an alleged agreement wqas essential. They also tried to get my signature but I just sent them the letter about this not being applicable etc. More threats came as expected. I have now told the crudites I want to complain to them again about their non complience in this matter. His anyone got a sample of a legally-based written complaint to make them winch please for this one? I feel that they are getting on thinner ice so I don’t want to blow it at this vital stage now. The main thing I want to complain about is the ongoing abuse and their inability to give me a copy of any alleged agreement. Help!

I now have complaints against 1st crude to FOS and also OFT OFT seem to want test cases, subsequent to their slam against the crudites and this may be the first step in seeing this dispicable DCA get closed down. If my small efforts helps to get rid of them then that is swell by me. It all makes me feel much better too.

Thanks BB, have alreedy reported them to some. I had to sign a form so that they could use the info against them. Will keep you posted on this lot The lawpack link above seems to be more about suing banks just for charges or am I missing something?

Ok BB thanks I see. What I am after is a littel inspiration from anyone who has followed the CCA path and actually beaten them for good. My ony claim to fame so far is making crudite solutions close an alleged debt and d=send it back to the OC. Now the OC has , as I previously mentioned, giveN it to another DCA. This puts that one in double dispute. Neverthelass, I digress. The worse cudite case is the one mostly on my mind as they have been threatening me for over a year. If they really wanted cash off me all they have to do is give me a proper CCA doc. They STILL claim to have one based on the scan of some smudged sheet with my name on (and account numbers blacked out) but you guys tell me that aint good enough.This feels like a bluff. Could this be so, remembering that they have been playing this game for over 1 year? If I am sure its all a big bluff then I will feel much more confident and be able to take this ongoing mental abuse much better. Facts are that for over year Fist Creedo have threatened me with legal action many times. Asked for my signature – which I will not give them coz accoding to you guys they have no right to asks when they are already sending private stuff to me. Sent solicitors letters from their in-house firm threatening me Stated that the alleged debt must be real as I made initial token payments – which were given in good faith/under pressure when I though it may be a true debt. Made many abusive phone calls to me, which stopped after I threatened them. Have only given me a badly scanned copy of some bank form with my name on Disappeared for several months only to come back with a barrage of new similar legal threats. Their last letter seems weaker and more to the effect of – ‘well you paid us payments so there must be a real one’ – sorta thing with more threats about THEIR options to CCJ me and that they had an agreement in their procession to get me with. I just say to them – ‘ok that’s great but show me this CCA agreement ‘ and it never arrives.The quid payments are their's for the taking if they comply and I woud tell it to a judge if needs be. If this was me I would show the agreement so that I could get paid but they just keep on with the abuse. Who employs them – The Spanish Inquisition? It gets tedious. This all seems to be a very good case for OFT to fine then 50 grand for, according to the rules in the action against worse credo. May be someone needs to organise a petition against their UNACCEPTABLE AND ABUSIVE actions?

BR? Lost here? I was thinking you meant you had taken 12 DCAs etc on yourself and won over the CCA stuff - or have I got it wrong BB?

"BB 12 - DCAs/banks and solicitors 0." ----------- Whats the detailed score of this lot BB? Do you mean the cretins are gone for good or that you have just put 'em on hold? I want some of that action myself!

I also reckon we all need to be telling the crudites that they are gambling on 50 thousand quid per threat now that OFT have warning them about threatening legal action etc without proper docs .... imagine that adding up from posters on this ite alone. It could help to finish them

Dear Sirs AFTER INDEPTH INVESTIGATION INTO YOUR LEGAL THREATS REGARDING THE ACCOUNT, WHICH IS IN SERIOUS DISPUTE, I NOW WOULD RESPECTFULLY URGE YOU TO BOG OFF. I SAY THIS IN GOOD FAITH AND WITH THE VERY BEST INTENTIONS TO YOUR ORGANISATION'S WELL BEING. ALL FURTHER THREATS WILL BE RESPONDED TO WITH THE SAME SUGGESTION FOR YOU TO BOG OFF UNTIL EITHER I DIE OF OLD AGE OR YOUR ORGANISATION IS TAKEN OUT OF THE EQUASION DUE TO YOUR ACTIVIES BY OFT ETC. PS. HAVE YOU HEARD ABOUT WHAT OFT HAVE THREATENED IST CRUDITE WITH? 50 k A GO SEEMS A LOT TO FORK OUT FOR BEING SILLY AND BREACHING REGULATIONS DOESN'T IT? ARE YOU EAGER FOR SOME OF THE SAME? ------ Will that do?

But they should be held responsible for their actions by the organisations that watch this sort of thing. The last letter I had off 1st crud was so pathetic saying that coz had made some payments I had admitted the alleged debt. Some time back they also wanted me to sign an agreement to pay them 1 quid a month for the next 150 years or so. I said no way and I reckon it was the correct decision. I just keep saying prove the alleged debt with a CCA and all they do is counter with legal CCJ threats and gibberish which is mental abuse. Most other DCA are just letting the token payments ride along - one tried to push for more but has just agreed to keep to the £1 per month. To be honest this is a lot easier than the hassle of fighting them all at once. One bank had given an account to the Crudite Solutions lot. I asked for a CCA. They next closed this account saying it was being sent back to the bank. However, I then get nasty threats from another DCA over the same bloody account that CS have just closed. I therefore have now asked this new one RW to give me a CCA and told them that they should NOT be chasing this disputed debt. Now will RW write back with lots of daft threats, like First crud always do or take a more reasonale path of action and tell the bank to stop being silly buggers? I mean to say would they pay an alleged debt to a man on the street who just said they owed him money WITHOUT ANY PROOF? It is all so stupid and this is what does my head in most! AND CAN SOMEONE PLEASE EDUCATE CAB TO THIS FACT AS I HAD TO TEACH IT TO THE LOCAL STAFF WHO THOUGHT THAT JUST BECAUSE ONE GETS A NASTY DCA LETTER IT MUST BE TRUE AND SO HAD TO BE PAID UP ON BENDED KNEES. CAB workers watching this thread - you do some great work but please get yourselves a national leaflet drawn up to educade your co-workers about teaching desperate people, being hounded by evil DCAs, to ask for CCAs.

I was under the impression that if DCA s could not give a CCA as requested by their victim then they were in touble legally. This lot at worse cred seem to ignore this and bolder on into it as if they are in the right. Surely the authorities will sort this issue out soon and make proper rules that must by obeyed by the **** or at least start enforcing them when the cretins breach them as with my case.

That all makes good sense. Many thanks THE BAD SCAN THEY SEND ME AS AN EXCUSE FOR A CCA WAS TERRIBLE AND SMUDGED AS IF IT HAD BEEN COPIED IN THE RAIN. I will write back as usual. ALL I WANT IS TO HAVE A QUIET LIFE AND NO HASSLE OFF THESE CRETINS

Thanks folks – so what I will do then is write back – for the millionth time – and say re-read my last letter. The onus is on you to prove the debt and not me. Will that suffice? Yes - I thought it was like a bluff. Not sure that wasting too much energy on these twits is worth it. I do hope that OFT can help more - they did sound interested in this shower.

Is there a sample letter anywhere please to do that? I am so sick of these creeps that I am not thinking at my best now

"peace and quiet will ensue!" Wow I wish that was so! ------- Worst cred are at it again They now say the following They say I have admitted the debt and made several payments. This is not true. Although I did make payments originally I told them that they would stop unless they honoured my CCA request. They did not honour the request - never have. They say that I claim the debt is in dispute which is so and they I have not provided any valid claim of my dispute. They now suggest I take legal advice and threaten me with a CCJ based on the “agreement” they claim is in their possession, which I have not seen apart from a badly scanned page of something What do I do/say now under this harassment? Surely if they did have a proper CCA doc they would just show it to me? Mayby I should inform them that OFT are now aware of my case with them? It seems wrong that they want me to prove the dispute when they wont give me the CCA. I thought they had to prove it first to me befoe they could attack me. They are arguing that because I initially gave them a few payments the debt is a sure fire proven thing. It feels like a bluff to me. Just what the hell are they playing at? If they thought they were in the right with solid proof and would beat me why have they been harrassing me for all this time? Its just silly.

I want their blood!