Office of Fair Trading have now got back to me re worse credit and say I have noted the details of your complaint, and we will continue to monitor ***** Credit's compliance with both the Requirements and the Debt Collection Guidance. We are therefore interested in complaints that details issues which have arisen after the Requirements were imposed. We will consider these alongside any other complaints we receive and would therefore be grateful if you could sign the enclosed consent form and return it to us. Unfortunately, we cannot disclose any details about any action we may take, due to legal restrictions on the OFT relating to disclosure of information. We note that your email raises concern in regard to copies of credit agreement. As you may know, s63 of the Act covers how and when lenders must provide consumers with a first (and where appropriate second) copy of a regulated agreement. It is clearly in the lender’s best interests to retain details of the original agreement and any subsequent variations or changes made to it, particularly as consumers can request a subsequent ‘true’ copy of most types of agreement under ss77 and 78 of the CCA (and on payment of the appropriate fee). There are rules about what is likely to constitute a ‘true copy’ under these sections of the Act. Further, if a consumer does make a valid request for a copy of their agreement under these provisions and the lender does not comply with the request the agreement may not be enforceable in the Courts, subject to any other mitigating factors. SEEM TO BE GETTING SOMEWHERE. They also siad a lot more so I get the feeling that we are moving. I asked worst c for the cca back in last May they failed to provide a proper doc. "subject to any other mitigating factors." Any idea what that is?

great agree but why stop at them Lets see all such misery-based bodies shut down under health regulations stating that they create undue stress and hardship for millions of ordinary families.

How very surprising - after my return threats that the accounts were in dispute the threats have now turned to 'we will be investigating the matter' AGAIN! MY AMBITION IS TO GET AT LEAST ONE OF THESE AMOUNTS CLOSED FOR GOOD.

I will remain opitmistic and give back what I get then.

Trevor - that is great and I for one will keep it to hand. Many thanks. If that dont make the crudites shut the case and run away nothing will Do hardline DCAs ever get sick of this and actually close cases they cannot win via not being able to comply to CCA requests? Anyone? I mean do debts ever die out?

the trading standards lot were not that bothered and send me here The Office of Fair Trading: Unfair relationships You need to be a legal eagle to understand it all tho. They also mentioned seeing CAB (no way) but they were no use at all and didnt even know about cca requests so.. most peope will want to complain but it all so flaming complicated. i just want to send all my letters about this to the right place and let them fight it out with the crudites but looks like a minefield of balony and a real turn off I will probably just wait until I can afford to sort it all out with the cretins who give me proof that I have a debt with them and tell the rest who cannot to go ****themselves.... :-?

Guys I love your syle but "I agree...As soon as legal is mentioned it's CPR time" You lost me here - what is it??? The link won't work And I am with you all the way that attacking back is the best way with these crudites.

It All Sounds Very Grim.

I have reported them . Another point that I would like to ask is. One day I may have the means to settle up with my list of creditors - full/final settlements and all that stuff WHAT HAPPENS THEN. Do I just ignore the few like worse credit who cannot/will not honour the CCA request and pay the rest or....? The point is that they never stop hassling you.

And as I expected 1st crudite have resurfaced after all my letters requesting a cca. They have once again sent me their nice LEGAL ACTION letter. Therefore, they get my request for a cca right back once again..... Boring very boring........ SERIOUS DISPUTE or what.

I have done it - thanks Hard to understand why they keep messing about like this. I mean to say - if they just give me the cca thing I will happly give them a quid a month If no cca = no debt they are silly to carry on so like naughtly little kids with a lolly Why has BC sent it to another lot such as this RW crew when they failed to comply with their Crudite solutions pals? Do they think I will forget this?

Barclycard give one of my alleged debts to crudite solutions. I did a CCA request to Crudite solutions. They failed to comply and said it was going back to BC. Now I get a letter threatening me from RW (plus lots of nasty calls of aggressive young callers) about it so it seems to have been passed to them. Is something amiss here? I though that they were not supposed to do this when I disputed it and they failed the CCA test. “Bog off” letters needed perhaps? WHAT DO I SAY? Help.

It seems rather odd though that they ignore CCA requests for 8 months or more don't you think. Surely if they had one they would pull it out and stop messing about. If they do produce after all this time and nasty threats then they can happily have the quid a month back off me. But ?? PS the new RW hitmen are phoning rather a lot but wasting their time as I have no intention of ever speaking with them. They sound so like 1st crude too - must be good friends with them. : -)

I love what is happening with OFT and the crudites Brilliant stuff!

Ah go on - tell them what you know. They really do need training up properly for sure! My face went red when I had to explain this to them CAB assistants who were supposed to be helping me. One even got nasty and said "well you got yourself in debt so you have to deal with it and no I never heard of this CCA thing." I was so peed off that I nearly walked out. I was utterly gobsmacked at their ignorance and how many poor souls in states of worry/suicidal depression are being given the wrong advice by them? I figured the No CCA =No debt bit for myself, I mean with no proof what can they do but shout and spit at us. I will be interested to see what this RW lot do and how they are going to hassle me now that I have junked the other two with CCA requests they cannot deal with, 1st crud and crudit solutions. It looks like the OC is not going to get involved but just wants them to fight over me themselves. Such fun!

I would say that this is a very important moot point. Can abyone clarify it? I mean - do we pay anyone who comes knocking, even if they cannot prove the debt with our requested CCA? CAB are unaware about CCA requests too, which is worrying. My experience with 2 of their assistants was that they say just be nice an pay anyone who threatens you for your dosh.

But I thought they legally had to comply with one's CCA request? Why else would they ignore such a call?

Thanks guys. I have now been contacted by some lot called Robinson Way who sound, let's say, unkind and simply said they would be writing to me. Any ideas about who they are batting for? Meant to say that another lot called Credit solutions reecntly failed to comply with my CCA and said the account was now closed and being sent 'back' to barcley card so maybe this RW lot is from this? I suspect that B card have flogged the alleged deby to RW rather than take me on themselves. Does it make sense? If so, perhas it is wrong of them to do this when its in dispute? 'Bog off'f letters (I like that lol) will possibly apply. All this is really not so bad when you can see through them is it. I recall I was worried sick at first some time back but now thanks to your advice its better. I still have severerl that I pay tokens of a quid a month to so even if RW come around with baseball bats and snapping dogs I have not got more to offer. CCA time again I suppose..

I have stopped paying first crud as advised. Theyseem to have gone away. I have also asked another DCA for a CCA. THEY SAID TO LEAVE IT WITH THEM BUT HAVE NOW CHANGED TACK AND SAID THAT HAVE 'CLOSED' THE ACCOUNT AND SENT IT BACK TO THE ORIGINAL CREDITOR. NOT SURE WHAT THIS MEANS BUT THEY FAILED TO PRESNT TO MY CCA REQUEST SO PERHAPS THIS IS A GOOD THING?

Hi guys - sorry for not being around but got tied up with all manner of stuff. I shall stop paying Worst crud for its now 7 months since I asked for a CCA. It seems like they cannot comply with my request. I now have another vampire 'crudite solutions' on my back so I have also asked them for a copy of the agrement to prove alleged debt. They wrote back saying to send then a quid for it so I have. They have also promised to stop berating me on the blower after I grumbled to them about hassling me. I bet DCAs and happy in all this resession and glum. Happy new year to all.

"Some people have managed to get very lucky with unenforceable agreements." I am a bit green or maybe suspicious on this lot. The CAB people seemed to know little about this claim and just said that if you have a debt you have to pay up or else - that was their position. They knew nothing about telling me what a CCA request was for and what its effect was and that worried me as it seems common knowledge on this site. Are the CAB in error or what? I need full clarification and real proof of the effect on creditors that cannot suppy copy of agreements. I suppose that I am anxious to 'not' wind them up (and recieve a sea of threats every day) with a full cancellation of tokens too. Paying a few quid here and there per month is not hard but forcing them to play the full threat of the law card is another thing of course. I dont know if they have or have not got a proper copy agreement to chuck at me but so far after many months they have NOT produced one. "unenforceable agreements" Yep, bulletproof definition urgently needed on that one! I could also do please with thoses 'sample letters' (re CCA requests etc) to chuck at these monsters. Wasn't there a thread for that lot? I think I am building up for what you kindly advise (which may result in a war of attrition with lots of these sharks as I cannot see them 'ever' leaving me alone once I unplug the monthly tokens)- just getting it all straight in my head first tho. Big step and all that. ps here's a laugh. After 1st crud sent the 'hello introduction' letter the next day they sent their 'OUR CLIENT HAS THE COPY AGREEMENT' letter. They are getting very predictable as they have now sent this one about five time. Thanks again - if I ever get through this lot one day I will be giving this site the tokens instead of the sharks.

Thank you for your help I have, as readers will be aware been combating the nonsense, off Worst Crud etrc for many months. They still have not managed to comply with my ongoing CCA request for a copy of the agreement. They even recently sent me a letter ‘introducing’ themselves to me. Yes, even after all the hassle with them they cannot get their departments to correspond with each other it seems and are unaware of what they are all up to. Something about a good time in a brewery springs to mind. I think it is getting very close to complaint time now for me as they are acting so unprofessionally. Tips would be appreciated for maximum effect please.

Now I am still out of the goodness of my heart still paying Ist Crud a token payment and yet they are now harassing me with late evening phone calls. Unbelievable.

Same old same old – now getting the nasty little letters off Blair Oliver and Snot. I have given them the usual token payment for ages so now they are trying their luck and pushing for more. Silly really as I am on benefits and you cannot get blood out of a stone. As for worst crud - they just keep recycling the usual letter, which says that the client has the CCA copy agreement and they will sent it, which they never do... God; I get so bored with these threats and nonsence. I have not got a pennies to rub together and they know it after seeing my fanancial starement but that wont stop their silly antics.

I am still not sure if I should stick with the token payment or cancel it due to them not proving that I have a debt due to their constant inability to produce the CCA I have requested. If I cancel I get tons of threats If I keep paying I get less trouble. ?????????