Typical DCA rubbish 1 You do not have to make another CCA request from anyone. You have made a perfectly correct and lawful request and have fulfilled all of the requirements of making such a request. They are required to either fulfill your request themselves, or pass it on to the person(s) who are able to fulfill the request. As long as you can prove that: a. you made the CCA request and b. they received the CCA request then the jobs a good un, what they choose to do with your request or the £1 you have attached is none of your concern and does not impact on nor diminish their responsibilities under CCA. There is no requirement for you to provide them with any form of identification and you should never supply a signature in the normal course of dealing with these "people" don't forget it is they who are making demands of you, it is "they" who need to prove their right to be contacting you and enforcing any debt. As they are unable to fulfill the CCA request, it would also seem most doubtful that they have any right to be contacting you

Nothing has changed, the Credit report simply demonstrates who (if anyone) has applied defaults to your account. Arow could simply be updating the original entry made by Orange You are still awaiting their reply to your "prove it" letter, so until you receive this, just be patient

Please note we can only comment in respect of what you post and offer opinions based on that: If the debt is statute barred then it would be reason enough for you to bring such a claim and also a very good reason for RW not to be chasing you. You cannot normally be reasonably expected to prove that you have never been in contact with RW and it would normally be down to RW to show that either you have made payment or acknowledged the debt, however as the claimant, the burden of proof is yours. Do you have anything in writing from them offering any proof that the debt is not statute barred? something you can refute in court?

quicker fingers than I Nicklea

Please be aware, by bringing such a claim, the roles are reversed, you are the claimant and you need to be able to prove everything you say, if you cannot, then they will shoot it down. you need to be able to prove the number of letters, when they were sent and received. You need to be able to prove the number and content of the calls You need to demonstrate that their actions caused you distress and amounted to harrassment. The best thing you could do here is prove that you have previously paid off the debt, even if it is only via the final statement showing a zero balance, this would make your claim virtually cast iron and they know it, hence their putting you to strict proof This is why they have provided nothing, because anything they provide you would assist your defence

There is no reason at all to be conversing with this person, he is either an incompetent con man, or an incompetent con man. The law does not allow for such a process to be conducted electronically (or Green as this berk seems to think) a very simple way of dealing with errant communications. Phone Calls: answer the phone and "put them on hold" ie put down the phone next to anything that makes a noise, the TV, the Radio, the Washing machine etc, they are paying for the call and so will get fed up before you do. If you have to say something say "put it in writing please" then put them on hold (as above) Do not offer any information at all, do not answer any questions at all, do not engage in unnecessary conversation Keep a log of all calls Email: Create a folder and copy/move all emails (unanswered) into that folder. Report them as advised above

complain to Trading Standards

Until you here from them in writing, making a specific claim against you, then really there is nothing to defend against. I would still be inclined to complain the Trading Standards and enter into no dialogue of any kind until they make a specific claim against you

Nothing else to do in the first instance, they need to prove that they have a right to be pursuing this debt, until they have done this there is nothing else to be said. what you need to do depends on what is on your credit file,

If they haven't even contacted you regarding this account then how can they be certain they have contacted the correct person? simple answer is = thay can't, so complain

any further news on this?

Try these, you need to look for the statutory reports, these should be available for a flat fee of £2 http://www.experian.co.uk/consumer/statutory-report.html https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_elearning_credit14

you can do this via moneyclaim.gov.uk you will need the details from the claim form in order to access your details online, from there you can acknowledge the claim, don't worry about a defence just yet, just sort out the acknowledgement of claim first

We all started off knowing nothing, so please don't feel embarrassed You can get a copy of your credit file for as little as £2, don't sign up for any sort of membership thing, you just need to see who is recording what on you.

a SAR is a request for all data held by a company. checking your credit file is a simple check to see whether anyone has defaulted agaiinst an account or any DCA is claiming defaults on your account. you can send the "prove it" letter immediately, don't wait for the Credit file check

If you have no idea of the nature of the debt, then yes a "prove it" letter would always be the first step. Have you checked your credit file to see if there is anything listed from Orange? normally the final bill/statement would be acceptable, but they will often be reluctant to provide this because it would demonstrate any charges which have been added to the account

Like all other Debt Collectors, it would seem that this lot are relying on your ignorance and hoping you will believe their rubbish. I would consider writing them a further letter and include (in your own words) the following: reiterate your refusal to enter into any other form of communication other than in writing clarify to them that you have no desire and are under no compulsion to provide them with any information at all, it is clear that it is for them to prove their position as owner of the account prior to even establishing contact with you, if they do not understand this, perhaps recommend that they seek legal advice If they are uncertain of your identity in any way, then according to the OFT Guidelines and CPUTR, they should not be contacting you at all. The CCA request you have sent is a lawful and valid request , there does not exist any requirement in the Consumer Credit Act which allows for a party to demand a signature, nor information of any kind, therefore until they fulfill your request you will enter into no further communications.

what time was this being looked at?

The first thing you should do is to acknowledge the claim online, this will allow you a further 14 days to respond to their claim (so you would have 28 days instead of 14) I would suggest that you send an SAR to Citi asap. can you please type up the POC so that we can see the best way forward for you

Contact Trading Standards and complain, what they are doing is harrassment

You need to provide a little more information What exactly does the letter say and what is the history behind the letter ie. what happened leading up to you receiving it?

was it a limited company? did she sign as guarantour for the company?

sushi - it is entirely down to you how vindictive or not you decide to be. Paysomeone to reiterate your intent but only if you think it necessary Personally, I really wouldn't waste any uncalled for effort or expense, write to him yourself without airs or graces Protect the kids, look after yourself, see him off and get on with your own lives, saving as much money as you can:-) Tomorrow is Wednesday, the day after is Thursday and your ex is what he is Wednesday and Thursday and every day after is better for his absence if you are happy without him Life is a grindstone. Whether it grinds us down or polishes us up depends on us. -- Thomas L. Holdcroft Have a good life

as ashmk says you could sell the goods and use the cash to replace your daughters property, but whilst this would remove the court option, it might open up another can of worms. When I left and subsequently divorced my ex, I was sued for possession of the family photographs and negatives and even for custody of a large stuffed gorilla and a bag of the dogs cuddly toys, I had my former son in law and father in law try their hand at intimidation and physical assault and then she even had three of her workmates attack me at my evening workplace in an attempt at revenge (I kid you not) so there isn't much to surprise me in this department. Since your ex took the items rather than borrowing them and without the permission of the owners at that, I would class this as "theft" and this changes the rules completely 1. I would hold off on the court activity for the moment, send the letter as advised, make it recorded or registered if funds allow it, retain copies of proof of posting and obtain proof of delivery (via the Royal Mail website) 2. Offer him say 60 days (I know it is very generous) to arrange to collect his property or arrange to have it removed 3. Or else it will be disposed of (sold to replace the items unlawfully removed from your home). 4. send him a letter every 7 days reminding him of the deadline and also that he needs to return your daughters property as it was taken without their consent. Retain copies of letters sent, poofs of posting and proofs of delivery 5. If he fails to remove his property then sell it. 6. remove the motorcycle fr5om your property and place it in the street and then report the motorcycle as abandoned, let the police and DVLA deal with this. 7. replace your daughters property and then inform their father of the matters occuring (just in case) 8. have a good life If he complains after the event, produce the reams of evidence demonstrating the chances offered to him and not taken up by him and then watch him squirm

Given that he has no claim on the property, and the children are not his, I would suggest writing to him as stated above, and even though you have allowed him enough time, provide him with a clear deadline to collect his goods. Do not spend any more of your own money on this. If he has not collected the goods by the time allowed then dispose of them as you see fit. As for the kids, I'm sorry, I (wrongly) assumed they were his, obviously they do not need to be travelling anywhere for any reason. He borrowed the items, he should be made to return them, or compensate your daughters for their loss(es) You could bring a claim in county court for the return of your daughters goods, for an order either to provide a formal deadline, or for the disposal of the goods in lieu of payment or storage