not sure if this is in the right section, but I can not find one that this fits. I received a letter from the Debt Management section of the D.W.P. stating that I owed them £406.13, and as they have previously taken enforcement action to recover the money through the County Court I should contact them straight away. First of all they have never taken me to County Court (surely I would know if they had) . I was intigued so I rung the number and got through to a very rude and unhelpfull woman who could not clarify anything other than the matter concerned was dating back to 1988, Apparently the department I wanted was shut for the day and as I would not give her a contact number for her superiors there was not a lot that she could do. I really dont know what to make of all of this , the letter they sent was designed to scare, the usuall bull that if I dont contact them they will take me to court which will incur more charges to add to the outstanding balance? Can anyone offer me assistance as to how to proceed on this matter . I plan to ring back tommorow Monday 24/05/ and try to get to the bottom of this. What get me the most is according to them this matter happened 22yrs ago so I really am puzzled.

Tks people I will just wait to see what happens next , Lowells first got in touch nearly 3 yrs ago and I wrote the same letter and it took 2 yrs to respond.

wow finally I have had a reply, Lowells have said that they need to contact Barclays bank because they bought the debt in 2008 and was not aware of any issue that would put the account into default. They also said that i would not receive any contact of there collection department untill they can resolve why the account is in dispute.

tks maroondevo52 I remember firing one of these letters of to 2nd D.C.A. who took over from the original D.C.A. ,, I hope that this will finally resolve the matter, thankyou very much for your time and knowledge on this matter and I will post again when I have received a reply from Lowell

Hi Maroondevo52 the debt was a loan I took out with payment Protection . I was laid off and the p.p.p company wiggle out of paying the debt on the account that I had not been in 12 months continuall employment. Then barclays went in to overdrive and hit me with bank charges and every time they wrote to me it just went up and up and up, also looking at my records the last payment I made is less than 6 years it was infact may 2005

Please can someone give me some advice, on the 18th june 2007 I recieved a letter from debt managers ltd saying they were acting on behalf of barclays bank and they were looking to recover a outstanding debt. I immediately fired of a request for a C.C.A. with a £1 postall order. they did not comply with my order but still hassled me with more letters, I wrote back saying they were in default and the debt was no longer inforceable because they failed to produce a C.C.A. The account was passed on to another debt recovery agency who wrote to me, I wrote back saying the debt was in default with debt managers and they had not informed me that they had infact handed the case to another agency. This carried on for nearly a year with another 4 debt recovery firms stating they were now dealing with the matter. I recieved a letter in june 2008 from a Lowell financial claming they have bought the debt from Barclays and I had to deal with them from now on. Again I wrote a letter stating that the debt was in dispute with the original D.C.A. and therefore not inforceable in a court of law. I received a letter back saying they were going to investigate the matter. Last month they wrote back to me ( it took them nearly 2 years to investigate the matter ) stating that as I have made some payments they did not nedd a C.C.A to enforce the debt, however as there has been no payment for over 6 years the matter would be closed and I could ring them up to finalise things. I do know that I should not speak to D.C.A. over the phone and did not bother to reply. Today I recieved another letter from Lowell stating that they have wrote to me on many occasion to resolve this matter and I should contact them to pay the outstanding debt of, or to agree a repayment plan. If I did not contact them immediately they would consider litigation as a form of recoveries and they would hand the matter to Hamptons legal who are there litigation specialists. I am really confused as to what I do next as (A) the debt is in default due to the failure to comply with a request I made for a C.C.A. 3 years ago and (B) I thought the debt becomes invalid after a total of 6 years has passed without payment. This has really conused me now because when I received the letter of them a month ago I was really shocked as it had been nearly 2 years since the last and stupidly I riped the letter up and threw it in the bin:-x thinking there was nothing they could do.

yeah tks all Firstly there is no way the company is going under we make more money in 1 year than the rest of the chain put together ,, secondly the M.D. is being paid a huge bonus ...triple my salary to ensure this all goes smoothly and thirdly every time they have changed our contracts in the past (3 times now) we have been giving a cash incentive So the story goes that the currernt M.D. reckons we are all **** in our department and he would happily replace us all but funny that every other department bar ours is getting a incentive to move times No I dont want the company to go under but we all have rights in this country and I have worked hard for this company for a number of years and surely it no concidence that in the last 3 yrs the M.D. has started to employ easter europeans only . and here is a thought to chew over ,,, last year we broke all records in profit and the M.D. got bought a brand new Jaguar car , where as we got nothing not even a ty

tks elche , yes it was a keyboard error I dont want to resign and claim constructive dismissal I have bills to pay and as for the union lol what a joke they are, the union only makes up 10% of the workforce how can it be fair that they make and agree rules with the mangement. what I am looking to do is put a greivance in and get all non union members to sign it just not sure as to what to write and legal implacations of what I am trying to do. Somebody said at work that if we can put a greivance in signed by everybody in the workplace then they cant make these changes

My employee has breached my contract and I need some advice please. I have received notice of a change of starting times, and have been given 4 weeks notice . My contract states that I must receive 13 weeks notice. The reason we have been giving for the short notice is that the buisness need to change it operating hours in order to satisfy customer demands, and considering the current climate worldwide we must accept the changes or we could go under. we have a union at work, but nobody is interested in the union specially considering the union rep has a cosy relationship with the Depot manager. The union rep says we have to accept the short amount of time given for the shift change. We think it is unfair that the union can make all the decision at are work, given that the union members only consist of about 10% of the workforce. Some of us are to start later on in the evening to early into the morning instead of a afternoon start. Any advice would be gratefull I know I must put a greivance in against the breach of contract, but do not want to be seen as causing trouble, the D.M says if we are not happy we must not act as a group but go and see him 1 on 1. their is a lot of grumbling going on and nobody relish a meeting with the D.M. We are just over 2 weeks away from changing are start time and I know if I dont act soon it will be seen as an acceptance of the new terms of contract.

tks grumpy , I am still in a quandry over what to do. what I can not understand is how a debt can be sold on like this when it is in dispute, also do I really need to ask for a copy of a C.C.A. when another D.C.A. has failed to supply already. this matter concerns a loan taken out by me with Barclays Bank. I have been looking around the site and cant seem to find a letter suitable to this matter. What I would like to tell them is that the debt is in very serious dispute and no action can be taken by any one except the original D.C.A. and only when they comply with my request for a copy of the C.C.A. . Also if they send a agent to my front door regarding this matter that will be viewed as harrasment, and I will be informing the relevant authorities

I have been hasled for 15 months now by different debt collection agencies over a dispusted debt that barclays says I owe. Barclays first made contact throu Debt managers in March 2007. I immediately ask for a copy of a C.C.A to which they could not produce. I heard nothing from them again , about 3 months latter a different D.C.A contacted me about this debt on behalf of Barclays. I wrote back stating this debt was in dispute with Debt Managers and that they needed to hand the account back to Debt managers to resolve. They wrote back stating that they did not need a C.C.A. and that one did not exsit. For the next 9 months or so I had 3 more D.C.A stating that they were now acting on behalf of Barclays and all contact had to go throu them along with the usual scare tatics threating to take me to court. Each time I wrote of stating the account was in dispute and they had to hand it back to the original D.C.A ....Debt managers , for the account to be resolved. Last week i received yet another letter from yet another different D.C.A (lowell finance) stating they were acting on behalf of there client Lowell Portfolio and that I had to contact them to discuss setlement of the outstanding balance. I was going to fire of the usual letter stating this account was in dispute but I received a letter of Barclays Bank saying they have sold the account to Lowell Portfolio. Yesterday I received another letter from Lowell finance saying as I failed to reply to there previous letter they may send a agent in the area to visit my house to discuss settlement of this account. What I would like to know is , can a account be sold when it is in very serious dispute like this. 15 months after the orginal request for a copy of my C.C.A that all 5 of the D.C.A. have failed to supply, and what can i do to stop them sending people to my home. I would send of a letter asking for a copy of a C.C.A over this matter but feel this is a waste of time . Is there anything I can do to end this matter once and for all, any help would be really appreciated.

we received another letter of Apex today, they wasnt so threating this time . They said we received the letter as a result of a incorrect trace, and could we contact there office and confirm are previous address so they could investigate further. I certainly dont feel like helping any D.C.A. in there investigation, is there any law that says I have to help them or will they not leave me alone till i do:mad:

Thank you all you have been most helpfull I will write of to them stating Debt Managers Ltd are in default of my original C.C.A. request. This whole saga makes me chuckle and surprised that a d.c.a. will actually try to intimidate a Goverment official :o but I suspose they will go to any lenghts to try and trap people

Can somebody pls help me I am having trouble with yet another debt collection agency after 1 has already defaulted on a C.C.A. request and another 1 has resigned the fact they havent a legal leg to stand on ...see thread http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/116974-failed-c-c-now.html About 2 months ago I received a phone call of somebody claiming to be from a goverment funded organisation aiming at reduecing debt across the nation:eek: they said I could qualify for a discount of 50% on my debt of £14675.71 .... I put the phone down of them. then I received a letter of Moorcroft stating as I have been ignoring there attemps to resolve the debt (letters and the phone call) they would be handing the matter over ... today I received a letter of HOME COLLECTION SERVICES ... stating GOOD NEWS you could be free of this debt if you telephone us and agree to one of the following options 1 INTEREST FREE PAYMENT PLAN , or 2 A SUBSTANTIAL DISCOUNT Then it go on to say that MOORCROFT has informed us that you have been ignoring their letters . Please do not ignore this letter. The thing is this have been going on for a year now, it was last march when debt managers ltd first contacted me about this debt. I sent of a letter asking for a C.C.A which they failed to comply with , then Moorcroft took over and informed me there was no C.C.A. and what more they dont need one :o lol what a joke, now I have to deal with Home Collection .What do I do now ?? the letter is not threating , just asking me to get in contact. Is there a standard letter I can send stating that Debt Mangers Ltd have failed with a C.C.A request so the account is now defunct or do I have to send of a C.C.A. request to H.C.S. can somebody help as to what I do now. I know I have them on the ropes, it just annoying that this seems to be doing the rounds with the D.C.A.

I posted a letter of to them, but I dont think I was quick enough for them. Today my Wife received another letter of them dated 17/03 which was the same day that I posted the reply. The letter stated FORMAL NOTICE OF DEFAULTING ACCOUNT they say they are preparing the issue for a county court claim :o Can they do this ?? we dont even know what it is about, should I send them a C.C.A. or should I wait and see if they reply to the letter my Wife sent on the 17/03. They say they want us to phone them and I know it is not a good idea to talk to them on the phone but this has happened so quick it is really worrying, I know they wont speak to me on the phone anyway as it is my Wife they want pls can anyone help as what to do next

tks saintly you have been most helpfull, I will send a letter of to them straight away

My wife received a letter today from Apex stating that they are acting on behalf of Lloyds TSB, they say there is a outstanding debt of £2,300 pounds wich they are looking to recover. my wife has not banked with Lloyds for nearly 4 yrs now and therefore was a little bit surprised to receive this letter, we have no idea what this is for, so I feel sending a request for a C.C.A. is a waste of time can anyone help pls with any suggestions as to how aproach this matter

A lenghtly Jail sentance who for the bank....forgive my ignorance but how can you send a bank to prison

Thanks people you have all been very helpfull but what I need to know is what do I do now ,,, they also sent statements showing the money in my account and they have also sent me statements showing that I was paying the debt up to 2005,, do I write back stating that the debt is unenforceable because of no C.C.A. or do I not bother replying

Forgive my ingorance Curlyben but what do I do now ...do I write back to moorcroft stating that or do I sit and do nothing:???:

what about the fact the debt is now over 6 yrs old , they say they dont need one for a debt that old

Today I received a letter of Moorcroft stating "I write in response to your recent dispute in relation to the above account and can confirm we have been in contact with barclays bank plc who have advised us that a copy of the agreement is not available on this account as it is over six years old and that you were paying untill 2005. I can also confirm that we have attached proof of the balance for your records " according to there records on the 28 aug 2001 was when i received the loan QUESTION ... this date that they provided shows that the account has only just gone past the six year mark and in fact it was the 18th june 2007 when DEBT MANAGERS first tried to contact me making it within the 6yr period so they obviosly have no C.C.A and never did have one ..is this a ploy by Mooorcroft to try and get me to pay....any help on this matter will be gratefully received ...what do I do now? ...I am confused somewhat as to how they can chase me without a C.C.A. then when I challenge them they can wait for the passing of the 6yr period and say they dont need one now :?

still havent heard anything ...now there a surprise:o lol

I sent of a letter to moorcroft yesterday i wonder will they reply or will Barclays ...I sent it recorded delivery so they cant say they never got it

tks rory I will send them that and hopefully they wont bother me again ...just wondering why Barclays have done this perhaps Debt managers wont act for them without a C.C.A. ??