Hi all, By way of update. After several letters received from Roxburghe, all saying that i have not contacted them to discuss payment method (all of which i had responded to confirming i was awaiting original CCA from initial bank) i have finally received a letter from G White Sols - looks like this is going to court. Will keep you posted as and when i get something through in regards to court papers etc. BC are still looking in to my case regarding PPI insurance. AK

I never received anything (i.e. default notice, notice of assignment etc) when the debt was sold on. No dates or confirmation to whom it was sold to. Received a few notice of assignments from HFO (all dated differently) when putting this in writting to them. Obviously (and as we all know) these have come from HFO on Morgan Stanleys letter head. Regarding the PPI, if i'd of known i had it i would never have fallen behind with payments, as all the trouble started when i lost my job. with this in mind and obviously i have made BC completely aware of the situations i keep my fingers crossed. Not counting on it though!!!!!!

Time ticks on...... My PPI claim has been acknowledged by BC but still no original agreement from the original creditor. A few calls received from collectors and standard threats etc. will continue to await original signed Credit Agreement to confirm my suspicions. AK27

Morning, Barclaycard have since provided for me a complete list of transactions relating to my previous 6 years worth of statements and i notice a hell of a lots of PPI amounts taken out. But still no original CCA supplied! I will write back to them as i now have a name of somebody to deal with requesting yet again a signed copy of the alleged agreement so i can cross check against the wonderful HFO/Roxburghes supposed true copy which i believe has been tampered with. as above, if BC are unable to provide this for me on what bases do i have an arguement (apart from them not being able to supply for me) in court that the doc has been forged apart from what has clearly been pointed out to me by you wonderful people? Please PM me so i can keep this to myself until needed. Thanks AK27

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what can i do if neither BC or MS can ever provide me with my requests and this was to go to court?

donkey - just had a quick glance over the two thread you posted above and i see where you are coming from. I will await confirmation from Barclays to my last letter and if no joy i will track this account down with MS...... i cant believe they have no record of this account that HFO claim was sold to them!!!!!

Donkey - i initially wrote to Barclays requesting all required docs from previous posts and i received a letter back informing me my account was still with MS..... After sending off the same letter to MS they simply referred it on to Barclays and Barclays have now come back asking for further information as unable to locate account. i sent off a reply to them monday and await a response. what can i do if i am unable to get a copy of the original Credit Agreement that HFO claim was the original they've sent to me????

thanks, took a call yesterday from one of their call centre staff claiming that they had sent me the requested and wanted full and final settlement. Told them to bog off and i'll see them in court....... will sit tight for the time being until i hear from their litigation team. appreciate the help thanks

hungry, what do you recommend i do? request a true copy of the original agreement showing my signature or just sit tight? Thanks

Do you recon they forged those docs?

Morning, further to my CCA request in Sept 08 please see attached as to what i have recently received from 1st Cred. Two docs received, first dated 2004 (note the font changes on page 3). Second, dated 2006 but this time adressed to me with different address from 2004 doc (unaware that Creditor knew my change of details as everything was kept addressed to my parent house as i was only renting). The Agreement looks different from 2004 and note the box on the bottom of page 3. Neither these agreement have my signature and i know for sure i have never seen sight of these. Should these not have been on some form of headed paper? What do you recon? CCA 2004.pdf CCA 2006.pdf

spamheed, thanks for that, i will scan it up first thing tomorrow morning when i get in to the office. With regards to "reconstituted agreements" i am totally convinced that this is what they have done. I can not understand how they could even consider passing this off as an enforceable agreement without baring my signature. It looks so unproffesional its untrue......... Best regards

also, how would this stand up in the court of law as i requested a copy of the original agreement? Thanks

All, advice required if possible. i stopped paying 1st Cred well over a year ago as they was unable to provide for me a valid and enforceable Credit Agreement. I initially wrote to them in Sept 08 with my request. Standard letter rec'd advising they was awaiting from original creditor. in meantime had several liaisons with them both phone/letter as i wanted them to remove default from files but they were adamant they would be able to supply me with CCA. recently received some form of Credit Agreement from 1st Cred but having looked at it:- 1) it is on plain A4 paper with no acknowledgement of original Cred (by this i mean not on their headed paper) and part way through this so called agreement the font changes. 2) it does not bare my signature. in light of the above and a brief scan over the doc it looks as though it has been drafted purely to look official. My question is should this contain my signature (if original) and shouldn't it be on some form of headed paper etc rather than printed straight from a computer. This is all to convenient. Any advise greatly appreciated.

Can somebody please advise what the deal is with regards to a default notice! Is it the case you should receive a Default notice prior to a default being placed on your credit files. or has the OC/DCA got the power to issue after the event (default being marked on file)...... in my case the DCA has issued me with some form of default notice two years after it going down on my file. Thanks all

Still nothing heard...... in the meantime is it worth me contacting the credit references with regards to the default placed on my file from HFO to inform them the account is in dispute for them to note this on the file? Thanks ak27

All, Can somebody please advise in regards to a default notice and it being removed from your credit file after six years. does this six year rule apply from the date of the default even if there is an outstanding balance owed. Or is it simply six years from the date the default has been paid in full? Thanks

Donkey, Yes exactly the same!!!!! AK27

ha ha good to hear it thanks for all your help thus far

Donkey, how did you get on in the end? Ak27

Ok here we go again, Prior to debt being moved from HFO to Roxburghe I wrote to HFO requesting information further to the below:- Firstly, with regards to the account balance they claimed was outstanding (including over £3k worth of interest) that they had quoted on a previous letters sent to me with the accompanying credit application - I requested a breakdown of there charges and all payment made to date! In reply to this I received back a letter confirming the amount I suspected with a list of payments made and the letter clearly states the Balance Outstanding without the interest. Secondly, I requested a signed true and certified copy of the original default notice that to date had never been sent to me. In reply to this I received back dated this month a default notice served to me on HFO letter head confirming the current balance as of today (minus Interest) and also a header which reads Contractual Interest Rate @ 12% with payment options and HFO's Terms and Agreements. Surely this default notice should have been sent to me back in 2007 when they first put the default on my credit file confirming the actual amount I defaulted on (minus any payments I've made to date) dated 2007 rather than this month? Also I thought as I defaulted with Morgan Stanley this should have been on their headed paper. All of a sudden since I've challenged the interest charges they decide to send me some form of agreement with them! Why was this never sent to me in the first instance and dated 2007. And finally, the original Notice of Assignment that the debt was sold on from Morgan Stanley to HFO Services. In reply to this I received back a Notice of Assignment on Morgan Stanley headed paper but with no date on. Now what leads me to believe that this doc has been forged and made out to look as though it is legit is that back in 2007 when everything was passed over to HFO services and for the first year the account was with HFO I was only known at my parents address! And it was only when they started hassling my parents (baring in mind that I moved out of their address in 2004 and never bothered to update my details with MS) that I changed it to my own home address. Therefore this proves that this doc has only just been drafted and HFO are using Morgan Stanley letter head as it is addressed to my current address, which i wasn't known at in 2007. Please note that the above is all prior to any letters sent to Roxburghe/HFO and now Barclays requesting further information. As it stands the Credit Agreement supplied does not contain all the relevant prescribed terms and Conditions and various Clauses are missing from the doc, it looks as though HFO or Morgan Stanley have simply added the second page containing the T&C's on make things look official. HFO are now forging various docs (not very well may I add) to continue collecting this so called debt. Now, do I write back to HFO & Roxburghe trying to close this case or do I await Barclays to send me through the requested info to see if the previous docs supplied (Credit Agreement Etc) match up with what HFO have supplied? Thanks All AK27

Ok many thanks for you help.

Silverfox, that is exactly what i thought...... It would not suprise me if they removed the previous one HFO placed on my file and entered a new one with additional costs and charges.......Is this something they could do? Thanks

Anybody?