You are right that the power is in your knowledge. A lot of people pay up without questioning the debt and that can go on for years. Good thing for you is you found CAG and saved yourself a small fortune. One thing your could ask yourself. Why have they wrote it off? Probably because the debt was made up of stuff you could claim back. If that was the case then maybe they would owe you money and they didn't want to open a can of worms. Anyway, well done!

I believe a guaranteed cheque is exactly what it says. It sounds to me that the cheques they refused were not guaranteed. If that's the case I feel you are not on solid ground. If however they were all guaranteed it is certainly a mistake on their part.

I'm in the same boat as whatalife. I haven't a clue what my credit score is. I don't want to know cos I don't want credit. I don't have credit and never will. Been there and done it, never again. I have not bad debts in the last 5 years but I've also no credit history so would guess I'll have a minus score but it means naff all to me. If I check it I'll have an even bigger minus.

My Mrs got one for £19 a few years back without knowing it.

If you have the N1 can you tell us the POC, particulars of claim. You can then issue a request for a copy of the documents they rely on using CPR.

Any more threat o grams can be binned and forgotten. Get your life back. Adios amigo

Agreed with Cerb. I am abroad and owed a lot lot more than you. They will sell it on and you'll get pestered with threat letters but will give up in the end. You must contact the court. Tell them you believe they have no jurisdiction over you and ask them what is the next step. They will probably want proof of residence. Don't worry about DCA's getting your address, you'll just get junk mail which you can bin.

Your attachments don't work.

That is not the executed agreement. It is your application form and is missing some important details. As an application form there is nothing to say it was accepted. Once they get that form it needs to be accepted (executed). When executed you then get the executed agreement sent to you. When requesting a CCA they should be sending the executed one, not an application form. There are some cases where the application will suffice but that is not very often as it needs a lot more info on it (prescribed terms).

Get your MP onboard.

DCA's use the phone as a collecting tool, bit like a crow bar. Don't believe anything they say on the phone. You would not be the first to take the sucker punch.

If you read what postggj has said you'd be silly not to awswer the questions asked. Postggj is very well versed in car credit and may well save you a lot of brass and heartache.

I don't understand what you are saying. Surely if it was set aside the judge wouldn't give you a month to find your defense. Are you sure it was set aside. When set aside that should be the end of it.

You submit an embarrassed defense due to them not returning your CPR, (you do not agree with the figures in their claim and without a statement of a/c you are disadvantaged). You should be able to find one in another thread if you scout round.

Lengthy gym membership contracts have been deemed "unfair" by a High Court ruling. The ruling came in the case of Ashbourne Management Services, a management firm responsible for membership services and contracts at over 700 gyms across the UK. The High Court ruled that minimum contract length terms recommended and enforced by Ashbourne, were unfair and therefore unenforceable. The Court also ruled that the way in which Ashbourne collected arrears was unlawful. In the four-day hearing the court heard many consumers found their circumstances had changed a few months into a contract and their membership was no longer affordable but Ashbourne's contracts had minimum membership periods of between one and three years and the firm would not allow customers to terminate their membership When consumers stopped paying, Ashbourne reportedly demanded immediate payment of the full sum for the minimum period. Mr Justice Kitchin ruled that Ashbourne's business model "is designed and calculated to take advantage of the naivety and inexperience of the average consumer using gym clubs at the lower end of the market", whom he considered that Ashbourne "exploited". He said that the minimum period is "a trap into which the average consumer is likely to fall". The judge decided that it is unlawful to try to enforce or even to include unfair terms in contracts, where doing so could lead the consumer to pay money they would not otherwise have done. Jason Freeman, director in the OFT goods and consumer group, said: "We have received many complaints about Ashbourne's contracts, and many consumers have felt pressured into paying sums of money that they believed they did not owe. We are pleased that the court has confirmed that these practices are unlawful, and this should bring peace of mind to many people who have fallen into the trap of signing up to these lengthy gym contracts. "Unfair terms that unreasonably bind consumers into long contracts they cannot leave, and heavy-handed collection techniques, have no place in businesses' dealings with consumers. This ruling should help traders to understand where the boundaries lie, and sends a warning that if they cross the line, the OFT and local trading standards services can take action."

Soon as you respond to the court our Brain will drop like a hot potato. You won't get your day in court, sorry!

Been there and done that with Natwest here in Spain. I stopped paying them because of the hassle they gave me and now they have given up. Plenty of empty threats but no action. Get your life back and stop paying the morons. Ignore all mail and calls and you'll soon be worry free. They'll threaten you with a Spanish DCA but it won't happen. I actually got one letter from a Spanish DCA but ignored it and they went away.

I'd give them the run around and ask them to prove that you owe them. Make them work a bit them stick two fingers to them with a SB letter.

Can I add that I live in Spain and can tell you that like all other countries we have both private and NHS. Your uk health card is no good in a private hospital, they want paying. Don't assume you are in a government hospital, there are a lot more private ones.

One thing you need to be clear on. Is it Time Share or is it a holiday club. Timeshare does have certain safe guards, depending where you buy it. Holiday clubs were brought about to circumnavigate the Timeshare protection.

Looks like they are or already have given up.

Wouldn't think they actually 'write it off'. They probably just sell it on at a loss.

It's a case that the OC loses on the bad debts so sells them off very very cheap. His losses are then offset against his tax bill. The debt still exists, sorry to bear bad news.

If over 6 years since last contact or payment they are SB and so send a letter to that effect. That will kill them dead.

Did the original company default you? it falls off 6 years after the original default. In either case I'd wite to whoever put the existing default and tell them that this debt was defaulted by the OC back in 2001 and as such them placing a new one is against the rules. If you fish around you will find the relevant rules which you can enclose. You can also remind them they are in breach of CCA request and if they do not fulfil that request you may withhold further payments.