More than likely for CCA you sent.

Ignore them, naff all to do with them if you take out new cover. If you cancelled it's end of, period.

1 High Street, Newtown, Kent R21 4RH June 28, 2006 The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG Dear Sir/Madam Re:− Account/Reference Number 4563210025897412 This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR). I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee. We look forward to hearing from you. Yours faithfully Mr A N Other

1 High Street, Newtown, Kent R21 4RH June 28, 2006 The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG Dear Sir/Madam Re:− Account/Reference Number 4563210025897412 This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR). I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee. We look forward to hearing from you. Yours faithfully Mr A N Other

I'd phone them up cos you know the score. If they have the info you want ask them to comfirm it in writing. Bit of luck the dimwits will shoot themselves in the foot.

Would be a good idea to scan and post the agreements minus personal info so that we can offer some advice on the best way forward.

My mrs got a ccj for just over a quid cos she didn't defend it. Bloody toerags british gas.

Cash cowed comes to mind but do follow the previous advice.

Sounds like you are a cash cow. Personally I'd stop paying and see how loud they shout. Getting a F&F whilst you are paying is not going to get the best discount. If you weren't paying and they have dodgy or no paperwork then that is another story.

If they have terminated the agreement there cannot be any T&C's to alter or is that too obvious for a bank.

You might also piont him to this site.

You need to see a copy of the document that makes you liable. Without it you are being cash cowed. If you have it post it up minus your personal details etc. If you don't have it I suggest you get a copy pronto.

Compo claim hovering me thinks.

Been there and done it but for a lot lot more than 2k. I was and stall am in Spain. I had lots of hot air including Spanish DCA's writing to me but nothing came of it. In law there are ways they can enforce the debt. In reality it is not going to happen. It is so very expensive and time consuming it just is not worth the cost to them. Remember all documents with need to be translated etc. I could go on but I'm sure you get the gist. Best advice is ignore them no matter how hot the air is. They are all made up of if's, may's, could's, etc

Had a very quick read of this and have to say I can understand your concern but I think it is unwarranted. Foreign debts from the like of Portugal are almost never enforced in the uk. You will be hard pressed to find any that are. I was in a similar situation with many 10's of thousands involved. and all I got was hot air. My case was that of a Brit going to Spain and non of the debts were statute barred, they were just so difficult to enforce. That was 10 years ago. Don't let it worry you, I'm confident foreign debts will just fizzle away in the uk.

CCjs do not expire, they only fall off your CRA file after 6 years.

In my opinion you have no reason to hide your address. In fact the odds are you should give them your new address. With the new address they can do nothing, without it they could obtain a CCJ by default. You have nothing to hide and nothing to worry about. I'd be sending the SB letter with your new address on it and I'd make sure it was signed for.

lol

I'd be very surprised if you manage to get your CRA files cleared without the police getting involved. We can choose our friends but not our family. Problem is that many people will say it is not their debt and until you have concrete proof of that you are peeing in the wind and they won't believe you. It is of course worth a try so Brigs suggestion is worth a try. DCA's are very very stubborn when it comes to removing CRA entries. It could be a long proccess and may involve you sending a letter before action.

If they failed to provide anything then you be better ignoring them IMHO

Cash cow for sure. I'd be completely ignoring them from now on. Not much they can do apart from harass you.

Not advisable to stop paying a ccj, it could lead to all sorts of further action. Having said that, stopping paying will not affect when it comes off your credit file.

If on benefits pay them a quid a month and no more. Tell them you only income is benefits, end of.

Numpty's think you are a possible cash cow. They know they have nothing but are hoping for some charity from you. IGNORE

If you have no problem going bankrupt there is no need to answer any of the chasers. Just let them do their worst. Debt is not a crime and you have obviously got your life back so don't let them grind you down. If the debts have not been touched by you for 6 years they are SB anyway except for secured debts which are 12 years.