Hi again Is there somewhere I can get a template for an S.A.R so I can send one into the company concerned ? Cheers Hipple

Basically they have sent me a bundle of statements and my proof of signature on the initial agreement. Would an S.A.R - (Subject Access Request) just confirm all of these including the interest ? Sorry for appearing a bit dumb on these matters

Is it worth sending the Subject Access Request to the company chasing the debt ?

If anyone has any advice on next steps it would be a great help Sorry to be a pain but I'd love to to know what I should do next with these guys

Thanks all. CCA letter will go off and then I'll see what they come back with. Really do appreciate all the help ! Will keep you posted.

Thanks again all. OK - I will send a CCA letter off tomorrow and see what happens. This is the part that worries me slightly. I'd love to get the default off the record as I agree it is as bad as a CCJ. I'd even settle if they were to just get the default off my records.

Hi Thanks all for the comments. The original debt was a M&S loan from 1998 (I moved abroad in 2000 and was away for 4 years). When I moved back in 2004, I started getting mail from Cabot and that is when my experience with them started. I have not CCA'd them so do you think i should? How does the "12 days + 1 month time limit you can stop paying until they produce the agreement" part work ? Should I state in the letter that I send that I am stopping payment until I hear from them ? My concern is that this will harm my credit record further. Thanks in advance Hipple

Thanks SH - will get all the details so I can fill you in some more. They seem a right bunch of jokers Cabot !!

Hi I have been making regular payments on a debt to Cabot for over 2 years now. They call every 3 months or so to ask if I want to make a final payment. I intend to do so in the next 6 months. The original debt was circa £7K and I have got this down to £3K. My problem is that they have not told any of the Credit Reference Agencies of the payments and thus it still shows as a default. This obviously has a negative effect on my rating. Any advice on what I can do to get this amended ?? Thanks Hipple

Hi All Okay - I have now had a reply from Controlaccount. They have sent me a copy of the initial agreement I signed and all the subsequent bills on one of the accounts Good News - They say that one of the clients "are unable to supply documents so I have been instructed to take no further action". Does this mean I am off the hook on this one ? Bad News - the client that have provided the documents have stated that there is £3610 including interest outstatnding on the account. They say that they "look forward to receiving my proposals for settling this or my reasons if I dispute the account". I don't have the money to pay it off in one go right now and am confused as to what my next course of action should be. Looks like I won't get away with this but what should I do next ? Any advice on this is very welcome !! Thanks in advance Hipple :?

Thanks Jeff I'll keep you posted when they reply .... here's hoping they don't !!

Guys - thanks for your help. I received a letter from Controlaccount today. It reads as follows: "I refer to your letters to us of 26/06/07 and I would advise you that these two accounts are not subject to UK Consumer Credit Act as they are Swedish credit card accounts incurred by you when you were in Sweden. I am requesting my clients to send me full documentation of these accounts and as soon as I receive them I will send them to you though I expect this will take a few weeks. In the meantime I am retaining your POs for £2 to your credit." It then goes on to say that in future that I should send any future correspondence to a different office address than the one I used. What do you think ? Should I just sit tight now ? Cheers Hipple

Cheers Tomterm8 - will do.

Thanks Rory Not sure how to proceed with these but I will do some research and see if they have an equivalent of a CCA. I'll wait to hear back from Controlaccount and see what they have to say. Will keep you posted. Anyone has any other advice, please let me know. Hipple

Thanks for the reply. I guess this means that I am in no ther position than to pay up ?

Hi Jeff Both letters start with "We are instructed by the above company ..." ie the Swedish companies. Will this make my CCA letter irelevant ? Apologies for my ignorance on such matters - curse of the newbie Thanks for your help (and patience!) Hipple

The address of the DCA is: Controlaccount plc Westec House West Gate, Ealing W5 1YY Does the fact that its a UK based DCA make a difference ? Any advice offered to help much appreciated Hipple

I had them when I lived in Sweden but I moved back 3 years ago. Do Contolaccount not own the debt now ? If I can't find the relevant law in Sweden does this mean I am buggered and have to pay ?

Jeff Sorry for not replying before - been offline for a couple of days. The info you need is as follows: 2 x credit cards: one @ £1900 and the other @ £3000 They are with Swedish companies - Entercard and ICA Banken I have not made a payment on either since 2004 I have sent the CCA letters 2 days ago as instructed and wrote that I would only correspond by post. Does this info help or would anything else help the cause ? Many thanks for any advice - its much appreciated. Hipple

Thanks for the replies guys. CCA is going off in the post today so I will await a written (see - I'm learning ) response What extra info would help you with any advice ? Thanks again !

Hello eveyone My first post ! Has anyone had any dealings with a company called Controlaccount Credit Management ? They have sent me a couple of threatening letters about defaulted credit accounts I had whilst living in Sweden 5 years ago. Can they issue legal proceedings on these accounts ? They haven't supplied any copies of the CCA on each account - only the signed application form on one. Any help or advice is much appreciated - thanks in advance.