I think the main thing I have learnt is not to worry about the threats that used to one bother me. If one has not got the lolly to make anything more than token payments, and can prove it, then all their huffing aand puffing amounts to nothing. They have no concept that we are real people on the other end of the phone - to them we are just a meal ticket to be harvested; nothing but a number and this makes them nothing more than vultures feeding off the misery of others. DCA that victimise innocent folks like this are the **** of the earth yet what goes around comes around and they will reap what they sow.

Latest with me is that Ist crud are still sending me the usual REQUEST FOR COPY AGREEMENT letters and NOT complying with the CCA requested which I asked for months ago. Perhaps they cannot get hold of one from the client. I feel like cancelling my tokens to them but am afraid it will, create more aggro and harrassment which I can do without. Tank of Scotland are playing game also. They got nasty on the blower saying that my token payment and CAB –approved financial statement was no longer acceptable. However the last assistant now tells me that rules have recently 'changed' and they can now accect this. What they up to?

I told their nasty caller in no uncertain terms that he was out of order and that this is NOT the first time we have complained about their antics. THEY SAID SORRY LAST TIME THEY DID THIS WHEN I MADE A FUSS. I seem to have upset the poor lad for he has so far not rung back today as he threatened to. The deal for the token payment still stands as far as I am aware as nothing has changed financially for me since this was agreed. They can huff and they can puff

BB - no sadly I dont. Would it make a differance? The nasty little monster who threatened me last said that he didn't care anything about the token payments they have been taking so readily. He also said that his bank had given me long enough to get the money but he was so rude when I told him that I was still skint. I must get a recorder though for this lot as you suggest. I like the way you seem to turn this sort of thing into a sport - I must adopt the same attitude for it sure beats the blues when dealing with all the crap off these companies.

babybear39 Wondereful - thanks so much for that. They have phone-pestered me before and have started to do so again. They are now saying that the quid they are accepting is unaccepotable so am I supposd to keep paying or what? Silly situation or what! Threats are the same old thing - get a relative to lend you the dosh. blar blar or else ............. I shall certainly write in as you have suggested however. Your a star!

My circumstances have not changed and now another creditor- Bank of Scotland is being a pig with aggressive calls saying that the 1 pound token payment will not be acceptable any more. THEY ARE THREATENING TO CALL ME ALL THE TIME UNTIL I PAY UP IN FULL OR UP THE PAYMENTS WHICH IS JUST IMPOSSIBLE. I get so sick of them. IF THE TOKEN PAYMENT IS NO LONGER VALID WHAT SHOULD I DO ?

Will reporting them stop them from bothering one though? Surely such intolerable pressure from these monsters as mentioned by Hman74 is not acceptable by any means. I just feel that we need something more hardline to get rid.

If they keep NOT sending the CCA as requested several times is there a time limit to them being able to enforce the alleged debt? Does a time come when one can legally tell them to go away or else???

It really is a very odd state of affiars indeed. The Crud originally shout and scream at you - then when we ask for the CCA they back off and get all polite. I simply cannot beleive that such a cock-eyed and silly outfit can work like this is a society that has gone so radically overboard on officialising us all so much. They must be exposed and they must be stopped. Whoever brought in this CCA request law wants a medal.

Perhaps all of us folks who are still awaiting the crud to comply with our CCA requests need to ask them to give us written confirmation that they should now walk away for the alleged debts. If this cannot enforce them in court what is the point of everything else they now do?

It’s getting quite funny now for the Crud has now sent me THREE identical letters all saying that they are asking for their client to sent me the CCA. Why, one asks, is the client NOT responding properly to THEIR requests? Can’t they find the bloody thing or what? The last time was when they sent me the bad single page scan, which was clearly aimed at impressing me into believing what they told me.

I everyone pressed them like we are doing for a CCA them they would not last long I feel. You would think they had covered this simple loop hool in their greed strategy would you.

The crud have gone to ground after my CCA request – no sign of the creeps. Westsnot have also shown how silly they are too after all the nasty calls they badgered me with I recently discovered that the account in question was not even mine. They are both a joke.

Yes that is good stuff ODC. In the old days folks thought they had to simply do as they were told and trust any letter that came through their doors but we are now thanks to sites like this finding out about DCA trickery. As you say it is not a matter of dodging responsibilities but just about knowing one's right. Still awaiting the crud's CCA and I complained over westsnot to BT who seem to have chased them off for me. Both firms have acted like bullies and I am not accepting their abuse - no way ever! DCA's listening - please note that many of us respond better to respect and logic rather than to your odious threats and intimidation.

They are the ones who have been given a deadline in that they have so long to comply with my request or else I shall halt further payments. I mean why should I pay if they cannot prove a debt via a CCA? And if I get to settle up with other more polite debtors their nasty tactics will have failed them when they get ignored in that process.

But the querstion remains as to why are they taking so long to pull up a proper CCA which they have promised twice now.

They do say ‘Deed of Assignment’ and then refer to section 136 of the law of Property Act 1925 which they say provides that the debtor is notified of assignment of the debt in writing and not the copy of the Deed itself. I feel this is all about trying to tie me in knots, or am I wrong? Still, as I said before, they have promised the CCA 'before' and only sent me that poor single page scan, which is apparently supposed to impress me into towing their line for the next 70 years.

Now what does this tell us? I asked again for a CCA and the crud have once again sent me the very same letter – WORD FOR WORD - which they sent me two months ago. It states that the requested Copy Agreement doc is retained by the client and that they will arrange for it to be sent to me as soon as possible. But that is what they said in the same letter before when all I received was the badly scanned copy of the page I mentioned before on this thread. I bet they will do the same again. Now once again their standard letter states that they will send me something called a ‘Deed of Assignment’ if I so wish and charge me a tenner for it. What is this doc – is it something different to the CCA I have requested? I don't need it do I? Is it me or are the crud now clutching at straws in this case as they seem unable to get the OC to send me a CCA. If so I suppose plenty of huffing and puffing to come when I halt payments. They also sent me a form to sign which effectively makes me pay them tokens for the next 70 plus years but I think I shall hold on to that for the moment. It's getting quite silly now.

I intend to. Who are the best ones to complain to anyway? Still no sign of a CCA either!

I supose that they get away with it like all bullies because their main targets are vulnerable people who are in a bad way. People who want to settle up debts and get these monsters off their backs but just cannot. Being in debt makes one very unhappy and it is not a nice state to be in so the DCA vampires exploit the way victims feel with threats etc and abuse their emotional state. Regulations are not strict enough on the TERRIBLE way they treat debtors IMO.

Absolutely lovely! I for one shall not let up on these vampires and will give them back the stick they first started with on me. If the CCA does not arrive by the time I have prescribed then they can whistle. Moreover, when the day arrives for me to finally settle all debts they will be the ones to lose out. Someone should alert their clients to their ridiculous conduct so that they are not used again in any professional collection capacity. If only they would realise that some of us DO NOT give in to nasty threats and bullying and that this terrible behaviour is in fact counter productive to their greedy aims. I mean to say, a nice friendly letter of introduction would be much better than a sham legal threat when dealing with any new target for them but they seem to fail to understand this. Are they really fit to be in business?

Thanks babybear39 I will keep that one in mind. That particular creditor has been ok so far therefore I shall play the game. I will be however very fascinated to hear what the crud have to say about my limited offer (jeez sounds like a Tesco discount). Which way will they turn when the payments are stopped if they fail to provide a CCA? Surely under law they have to kill any alleged debt if they cannot validate it with the CCA? Are there any time limits governing such matters?

Incidentally, I have been paying the quid token arrangement to another collector for several months. So far they have been fine. They have had no trouble accepting the token payments. They are now asking for a review which is fair enough but I have no more to give. Can I ask for a CCA after this time if they do ever get stroppy or is that one too late?

Quite so. They have made a big thing out of the badly copied scan they sent telling me it was provided by their client and stated that it was a Credit Agreement regulated by the Consumer Credit Act 1974. They say it shows my details and is signed and dated. It's just the bit they say about them now assuming that the account is not in disputre that seems to give something away. They are being soooo sweet so read into that what you will. I wonder what happens when they discover that they have so long to get me a CCA or bye bye any more payments made under duress. Need to get this one right to cover my back with these monsters. Now does one get stroppy and tell the crud that if they fail to produce the real CCA then I expect their written conformation that no debt exists, hence the case is closed? I would be exciting to think they had shown their hand and blown this but I don't want to get too adventurous yet.

Yes ODC that is what I intend to do. I get the gut feeling from their letter that they know they are on a sticky wicket and that they require a proper CCA to take this further. They shoild have sent it some weeks ago but didn't. I wonder if they cannot get hold of one. They never even admitted to having the first token payment that I sent them some time ago which is fishy too. Thank you