just thought of another question................my wife currently pays one of the dca's by d/d, after reading some other posts on here i'm just wondering if she should put a stop on that d/d now that we have sent them a cca request? should we stop the d/d now or wait for the 12 days to expire? are we legally allowed to stop paying them?

i've just sat and read this full post, very interesting. just wanted to know how things stand at the moment? any updates?

wow your quick, much appreciated. am i correct in thinking i should receive something back before the 13/08/07, thats me allowing 12 working days including today? if i'm wrong with my dates please advise. thanks.

right guys i've just checked and both the cca's have been delivered to both companies (sent special). basically i just want to know what i should be doing now? what should i be expecting? sorry for more questions but i've never done this before, and really dont know what i'm doing i suppose.

thanks for the speedy reply curly. i'm off to send them special delivery now.

sorry guys, one more thing................who do i make the postal orders out to when i send the cca's?

thanks for the quick replies guys, much appreciated. couple of things i'm not sure of though. i guess the first thing i should be doing is writing up the cca letters to both companies, but do i still use the words:- I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in the letters, even though we have been paying them. also am i correct in thinking we enclose payment of £1 in each letter? once the letters have been sent (asap), what happens if they dont send us the credit agreement? or what happens if they do? how do we know its a true copy?

hi guys, i'm after some more advice. since finding this site regarding my own query, my wife has asked if i could find out some more regarding her situation. anyway here are the queries and basically we just want to know were we stand and what we are legally entitled to do. i should add that she does accept that the debt is hers and she has been paying monthly payments to the debt collectors. the first one is with robinson, way & co. on letters she gets from them it says ...........due to:- robinson way (ex hfc bank). does this mean they are collecting the debt for hfc? she currently pays £10 p/m using giro slips, with £660 still outstanding. the other is with buchanan clark + wells. on letters she gets from them it says.............pursuers:- aktiv kapital asset. does this mean they are collecting the debt for aktiv kapital? she currently pays £40 p/m by d/d, with £1200 outstanding. in reference to both queries.............are we entitled to send robinson way, and bcw letters requesting the original credit agreements? if yes, what happens if they cannot produce them? we automatically entered into agreeing monthly repayments back to these debt collectors as tbh we were scared as to what would happen if we didn't. we're not trying to dodge the debts, we're just wanting to make sure we're not paying over the top, or paying if we really dont need to be. i'm sure and confident after all the help i recieved with my query, you guys will come up trumps with some more good advice. thanks.

many thanks for all your help, i appreciate it. i'll keep you guys updated.

ok many thanks again. as things stand at the moment i'll:- ignore their call (if it comes). only converse by letter (if i get one) then request the credit agreement. does that seem the correct way to handle things?

thankyou curlyben. out of interest...........what happens if....... when i send the request for the credit agreement they do send me a copy. what do i do then? obviously if it is owed, then i'd want to pay it. but how do i know if what they send me is legit.

thanks for the replies guys. i was told someone would call me back either today or tomorrow. no one called today so if they do so tomorrow i'll be telling them i wont discuss anything over the phone and that they should put any further correspondance in writing. should i tell them of my intention of requesting the credit agreement? i'm pretty mad at myself for calling them today, i just wish i'd have thought of checking the net first. please feel free to keep the advise coming, believe me i need it.

thanks. after reading about them on here, i now see i made a mistake in phoning them. as you know they said they will be phoning me back, so should i take the call or ignore it? should i send them the CCA letter now, or wait to see if i do hear from them? what if the debt is actually mine, and i did make any payment within the last 6 years? god i wish i could remember! so many questions..........just dont know what to do.

hello guys, i'm in need of some urgent advice regarding where i stand with MACKENZIE HALL. i got a letter this morning from them saying they were trying to contact the above named person regarding a personal matter. i am the person mentioned so i phoned the number and was told it was regarding an outstanding debt of £150. i was told it was from an old address i stayed at, but i left the said address mid 2003. i have no knowledge of the debt and cant recall any details of it at all. i have had copies of my credit reports quite recently and they were "clean", nothing about any outstanding debts or anything. all they contained were details of previous searches made............but still nothing regarding this debt! during the phone conversation i never admitted to the debt, but i was asked if i could pay it in full. i told them no. i was then asked if i had any dependants or other debts. i was then advised someone would need to call me back as the person i was speaking to wasn't the person dealing with my case. i'm totally at a loss as to what to say when they phone me back, how do i sort this out without maybe causing more problems. i have read bits and pieces regarding the 6 year thing with old debt, but i honestly dont know if i have had any kind of correspondance within 6 years regarding this debt. please please help me urgently if you can, as you can probably guess i am really worried about this. many thanks.