I'd ignore them and not pay. There is not a lot they can do apart from send you lots of threat o grams and trash your cra but that will already be trashed. Ignoring them now will start the 6 years ticking.

Was the agreement terminated by by natwest.

I don't think a court would look favorably on you having no insurance. Think you will need to bite the bullet.

Without seeing what you signed it's hard to say.

The power of CAG and the internet!!! Information is freely available these days, it's a shame more people are not aware of it, older people especially. Problem is a lot of people are afraid to talk about their debts to friends. Anyway you are obviously not one of them and you have come out smelling of roses, well done.

Tell them to write to the deceased. Plot 3,132,343,323,898,809,789 The Pearly Gates, God's Green Acre. GA1 GOD

It is not SB till you tell them it is. Provided you have have nothing to do with the debt for six years you can send a letter stating it is SB and they have to accept that it is SB, end of. There is a template on here in the library.

Ignore them for now. Certainly do not confirm any personal details if they phone, tell them writing only. If they persist the next move should be the prove it letter then a cca letter if they don't send one in reply to the prove it.

Wonder if that file copy is worth anything. Do you think they might pay you for the use of it. LOL

No they cannot.

If you DIY make sure you use red ink. LOL

You should cancel the DD's and set up standing orders. DCA's can up the amount on a DD and by the time you know about it the money is gone.

There is no need to pay. If you get a CCJ you can get it set aside on the grounds you are not a uk resident unless you are just on holiday. Apart from that a ccj is scrubbed if you pay it off within a month I think.

They will certainly enforce if you don't get it set aside so you have 2 choices. You cannot hang around with these things or they snowball. Before you know it they'll be at your doorstep. Beg, borrow or steal the set aside fee.

Don't pay them a penny and report them to trading standards. Like you say' you signed nowt' so they are getting nowt. I would think there is also an insurance body you can report them to as well.

You need to be in Scotland for 3 years I believe

Leave the phone off the hook when you see it's MH calling, they'll soon get the message. Also send them the telephone harassment letter which is in the template library. There is little they can do except bully you.

Tell them to bog off, there is no need to fill any of it in. DCAs have no authority at all. I'd send them a letter asking them for a copy of any agreement they claim you are bound by. They'll probably throw back to your old employer. Be sure to put I DO NOT ACKNOWLEDGE ANY DEBT TO YOU OR ANYONE YOU CLAIM TO REPRESENT

Getting a credit file cleaned up is not the quickest of tasks. If a file contains a genuine default it is nigh on impossible to get it removed so don't hold your breath but good luck anyway.

Nice one.

This is not a genuine N61 so do not worry about it. Make complaints to all and sundry starting at the court.

From the Lancashire Evening Telegraph AN EAST Lancashire firm has defended one of its bailiffs after it was alleged he drove a car into a group of ‘Occupy London’ activists. Protesters evicted from a disused office block in London criticised bailiffs from Helmshore-based Rossendales for using what they claimed were ‘heavy-handed’ tactics on Sunday night. But Rossendales, which was appointed by the lawyers of Sun Street Properties, the UBS-owned subsidiary that went to court to evict the activists, said the protesters had been “verbally abusive” towards its staff and the police. At the start of a week that could see the eviction of the movement’s encampment outside St Paul’s Cathedral, around 50 protesters were evicted peacefully from a UBS-owned building in Sun Street. Police and enforcement officers then moved to evict squatters from another building in the complex, also owned by a subsidiary of the Swiss banking group. A photographer claimed he was punched in the face by a bailiff who then allegedly drove his car towards at least one person and carried another on his bonnet for 50 yards. In video footage posted online a man, said to be the same bailiff, is surrounded in his car by protesters who shout at him, hit his windscreen with bottles and attempt to stop him driving away. He then moves off with a man apparently still on his bonnet. A female protester claimed that she hurt her hand when the man drove in her direction. Metropolitan Police said a 45-year-old man had been arrested regarding an allegation of assault and criminal damage. Alan Smith, Rossendale’s high court enforcement and commercial services director, said: “As one of our officers left the premises to return to his car, a number of protesters pursued him and he was pushed and abused. “Naturally he felt concerned for his safety and acted in self-defence. As he left in his car, more protesters attacked his vehicle, causing damage to it, while police officers were present.” UBS declined to comment.

The CCA they have sent refers to T&Cs overleaf so where are they? Send them an in dispute letter telling them that what they sent does not conform to your request for a consumer credit agreement. Don't tell them any more. Tell them you will not be paying towards this alledged account until they conform in full to your CCA request.

Dear DCA, Thank you for your letter dated .......... I must stress that I have no knowledge of the alleged debt you refer to and I DO NOT ACKNOWLEDGE ANY DEBT TO YOURSELVES OR ANY COMPANY YOU CLAIM TO REPRESENT. I have no intention of avoiding any debt i owe and I therefore require proof that the debt exists. In order to prove the debt exists I require a signed copy of any agreement made and a full itemised statement of the account. Anything less will not be entertained. Yours.....

Never used it and owe £450 ! They are having a laugh.