Hi, In Oct '07, I did a SAR and had around £2k worth of charges on my A&L account which put me into great finiacial difficulty. I tried to claim them back under hardship and A&L rang me and said they werent crediting all £2k but were going to credit £250. They never put this in writing and I never signed anything. They passed the account over to a DCA and I have been paying off the overdraft ever since with £161 remaining. A&L have since re-called all their accounts from DCA's and will be collecting on it themselves. Should/could I not pay the remaining £161 as its due to charges that I went £700 over my overdraft limit and could I reclaim the full amount or have I blown it by kinda accepting the £250 credit - times were hard and I had depression so didnt have the fight in me that I do now. I never signed anything to say I wouldnt claim the full amount or that I would accept £250. Thanks Nik

Hi, My RBOS loan is currently in dispute due to an improperly executed CCA. It has been in dispute since December '08. RBOS passed it over to Blair Oliver and Scott and I sent them the "account in dispute letter, why are you attempting to collect on it?", it then got passed onto Iqor and I did the same thing. Didnt hear anything for months. Wescott then contacted me and I sent the same letter and then this week, an "introduction letter to Moorcroft" landed on my doorstep. I sent the same letter and Moorcroft have asked whats the dispute about and asked me to send them a letter detailing the dispute. I've already done this with RBOS and they are fully aware of it so why should I have to tell Moorcroft has the account hasn't been sold on - according to Moorcroft, they're just collecting on RBOS's behalf. Legally, do I have to tell Moorcroft what the dispute is about? This is the 4th DCA for the debt and it's starting to bore me!!! Thanks Nik

Hi, I have an overdraft debt with A&L that got passed onto Collect Direct Uk. I have been paying it back regularly since Jan and rang up in the week to increase my payments to them and was told the file was closed. I asked what was going on and was told by the operator that A&L are now recalling all their files back due to the "credit crunch" and will handle it all themselves. I've recieved no communication from A&L about this and the operator on the phone told me they wouldn't accept any payment from me anymore so I've cancelled the direct debit just incase anyway but he told me to pay A&L and ring them. Has anyone else heard this or been told something smiliar by a debt collection agency that is dealing with their A&L debt? Should I contact A&L? There's £162 left on the account that I wouldn't mind just getting rid of. What happens if I don't hear anything and my credit file gets marked incorrectly? Thanks Nik

Hi, Some advice needed please. Here's the thing, I did a CCA to Monument and recieved something which had no prescibed terms whatsoever. Monument said all what they did was legal and gave me a final response. To get a signed copy of the agreement I did the SAR and recieved the same tosh as I did when I did the CCA request. I wrote to them explaining they hadn't fully complied with my Data Protection Act and now after another written warning, they still haven't sent me a signed copy. After doing research, other sites have said I should take them to court as they havent fulfilled my request. What would I realistically achieve by doing this though and I don't really have the cash to do it. There is £130 of fees on the account! They don't have the signed copy of the agreement. Eek!

Thanks for the advice. I can't claim charges back though at the moment can I because of the whole court case? I will try and scan but having problems with software and getting it on my netbook.

Hi, Ok so I had a current account with an OD of £1000 which I was paying back via a debt management company (Churchwood Finanical - which I left and started to do it alone) and have been paying back a regular amount every month for the last 2 years and I've never ever missed a payment. Now all of a sudden today out of the blue they've issued me with a default notice saying I have to pay back £590 by April 14th or further action will be taken etc etc. Firstly, can they do this when I am paying the debt back bit by bit every month? And what should my next steps be, obviously I can't ignore it but I don't know legally where I stand with it. Any help as always would be awesome, Nicola

Well their letter is incorrect (much like I explained when I wrote to them....) as they've NEVER sent me a signed copy of it. When I explained this they politely told me they won't enter into further correspondance and any letters I send them will be filed!:o(

Ok So I decided to send a S.A.R to Monument and they responded but just sent me a copy of their current terms and conditions - much the same thing when I CCA'd them. In my request I specifically asked for a signed copy of the agreement and all wnhat they've sent me is something they've just printed off the PC - no signature anywhere! Do I write back and say they haven't complied with my request and do they have to send me a signed copy? I'm starting to think there is no signed copy..... Thanks

Hiya, I sent a CCA to Sygma bank for a credit card taken out. I recieved a CCA that was so small and quite clearly not easily legible. So, I sent a letter on 22.01.09 stating my reasons why the account was still in dispute because I cannot read it. I recieved a standard "we're sorry your not happy letter we'll investigate and reply within 21 days" on 27.01.09 but nothing since. Now a statement has arrived this week adding interest on an account that they know and have acknowledged as being in dispute. Are they allowed to do this? It also amazes me how the Bank of England interest rate is practically 0% and yet they still continue to raise the interest rate on this credit card. Thanks Nicola

Hiya, Ok so briefly I have done the following before I recieved the court action letter: I was in a debt management plan so Blair Oliver and Scott were dealing with my account on behalf of Royal Bank Of Scotland, so CCA BOS in December. Had a reply from RBOS and recieved what they said was a CCA, I strongly disagreed and sent another letter saying they haven't fully complied with my request. All this happened in January. I then started receiving rubbish about home visits from BOS earlier Feb, then an immediate action required letter which arrives on the date that they require this action by. Letter dated 09/02, actioned required by 14/02 and recieved by me on the 14/02 Now I've recieved a court action letter. Not too sure what to do as RBOS have clearly ignored my account still in dispute letter which I've also sent to BOS and they are quite clearly ignoring moi. Should I bother writing to BOS/RBOS or just wait and see if they actually take me to court. I am a little scared Thanks Nicola

Thank you, really. Quite a fountain of knowledge.

Ok cool. So, my first form of action woud be to get my medical records explaining the injury/physio and have how it effected my lifestyle eg had to learn to write with my other hand. The physio took these notes as it was for insurance purposes. I don't really know what to do after that though, do I make my official complaint to the relevant authorities and state why I think my document has been tampered with and should I wait for Roxburghe/Vanquis to take me to court?

Wow, that's encouraging to hear. I was starting to think I didn't have a leg to stand on.

Fredrickson International "It is not in your interest to ignore this letter. THIS DEBT WILL NOT GO AWAY" Roxburghe After sending a suspicious CCA with a compliment slip with a handwritten "quote ref ***** when paying in full"

I don't have medical reports to hand about the injury but I could probably get access to them via the doctor?! Rory, your knowledge is quite something, your last paragraph of the last post went waaaay above my head :o)