Just a quick update; Have had about two further letters from Lowlife, saying that they are waiting for the documents from "their client". The last letter we received stated that they would not be sending any further correspondence until they provide the requested documents!! Both letters state "when we have provided you with these documents you will be required to settle this account in full..." They have about as much chance of that happening as I have of S***ting gold!!! Besides, who do they think they are, telling me what I will be obliged to do? Who says this? THEY DO!!! Well, I have this to say to them..... GOOD LUCK!!! On the off chance they come up with something.... they will get £1 a month and count themselved bleeding well lucky for that!!!! Nothing much to report atm, but just though I would keep the thread updated Cheers UF

This was a classic example of Judges getting involved in the politics of a case!!! It is imperitive that judges always remainimpartial and make decision based on the LAW and not what their moral or political viewpoints are!! Shame on this Judge!! Really I feel that these Judges should be quite severely punished - if not removed completely!! Having had binding precedent from the House of Lords brought to their attention, to just ignore it is not only unnacceptible, but it goes against the entire fabric and working of the judiciary!! And then for the stuck up so and so to refuse leave to appeal on the grounds of little chance of success............. WELL THE HOUSE OF LORDS DIDN'T THINK THEIR WAS LITTLE CHANCE OF SUCCESS IN WILSON, DID THEY JUDGEY!!!!!!!! ^^ Rant over, but it really does make me angry!!!!! Best of luck on your appeal mate!!! UF

That is a shame but to be honest we can't "have our cake and eat it too" so to speak...... the CCA 2006 was not retrospective and so did not remove the need of earlier credit agreements to comply with all parts of the CCA 1975. On that basis I think it would be very unbalanced if the new law this time was retrospective. Although I think it is a shame from our point of view that this new legislation will not be retrospective, I do think it is only fair. Cheers UF

Often any late payment charges/fees and PPI charges can be claimed back. There is a tutorial for these. If you just wanted shot of them though then F&F offers might be the quickest way..... other people will post their opinions..... Cheers UF

If making a full and final offer I would offer circa 8%, hoping to pay circa10%. But that is just me personally and there are no guarantees that an offer would be accepted. As said previously there may be charges etc you can claim back. Cheers. UF.

Had a letter from clarity today. Very short just saying that because of the information contained within my letter to them they have passed it back to their client. Might be hearing from CrapPot soon then UF

As long as there has been no written acknowledgement of the debt or payment on the debt within the last six years it would be statute barred. However, I believe I am right in saying that if you have sent written acknowlegement of the debt within six years (and they can prove this) then it would not be statute barred. Cheers UF

Good luck mate, hope it all goes well tomorrow!! UF

Hey mate... yeah I encorporated it within the very "politely" worded dispute letter I sent them Cheers UF

Well here's another one that popped up again that I've been dealing with for a member of the family.... I don't really need advice at the moment, but again, thought I would start a thread to follow it and then, if needed, get advice in the future..... Back in February, got the following and fired off a dispute letter: Heard nothing back until recently, when got the following and, again, I've typed up a bemused/dipute type letter and send that to them... now just waiting to see what they come back with (probably just ignore me and/or just pass it on again ) I notice that although the company numbers are different, the registered address is exactly the same for both "companies" The must this we're all idiots I love this game!!!

Hahaha yeah you've gotta love em hey!! It's almost as good as Uncle Carter's "if you dispute liability for this debt please state your reasons and supply us with documents in support....." lmfao Cheers UF

Cheers mate.... yeah I know.... I've seen off this bunch knocking on for a trillion times before now I'm quite enjoying it.... I'm looking forward to seeing what they cobble together and send out Cheers UF

Received this back...... we'll see what, if anything, they come up with.... I'll keep you all posted. Cheers all... UF

Im sure 42man and co will be along shortly to halp mate Sounds like you got a sh*tty Judge....it's a bit of a lottery with them!!! Chin up mate anyhows UF

Sorry mate, I missread your post.... my mistake. Just I know how confusing these things can be lol. I take what you say about Husband and Wife too, I hadn't thought about it like that.... you're right though, if they couldn't touch the wife's stuff then they could never take anything lol. I guess that's why the extract I quoted before only refers to "partner" Thanks for clearing that up for me UF

I would personally NEVER sign any letter sent to any DCA!!!! In theory, if a DCA had a signed letter of acknowledgement from you within the last 6 years a debt would not be statute barred......... You can see where I'm going with this, can't you? UF

Good luck chap my thoughts are with you!! Just remember to keep calm, address the Judge politely and calmly and make sure you are given chance to plead your case. All the best mate Let us know how you get on.

As far as I can see this is a tiny bit misleading? Bailiffs certainly cannot take just any property that they like: I'm not sure if the Husband/Wife link make any difference from "partner", but I have read the following:

Just out of interest did you send them the CPR letter posted above?

No worries, I think it's still just as misleading!

I hate these people more than anything but for sake of clarity we should point out that the site does not say court orders, it says court actions. Still very misleading and very naughty, imho, plus I would like to ask the question How on earth can you enforce a court action?? Surely you can only enforce the court order that may come out of an action? Very misleading, I do believe. Another complaint to the OFT etc I feel!!

For the time being then just communicate in writing... you will be amazed at how strong you get and how quickly too!!! You will be DCA bashing with the best of us before you know it (it's really a plendid sport ) What is the alleged debt for? Have they ever sent any proof? Because if not then how do they know that you owe them any money?? I do hope that you are feeling slightly better now that you have seen how much support you have here on the forum!! UF

Spot on Mr T!! I couldn't agree with you more!! This is why I love this place so much, we can all sing from the same sheet without judgement!!

Having seen of DLC many many times in the past I would say these threats are almost certainly bullplop!! So you go get that SAR off asap and then come back and see Mr.Ton for complaints help etc

You're not stupid at all, Vicky!! These cretinous thugs are highly skilled in the art of scaring, threatening, harrassing, intimidating and upsetting people!! Trust me, given a few weeks here at the CAG and you will be fighting fit and ready and willing to bat back their feeble pathetic threats and tell them exactly what is what!! You will be suprised how strong you really are and even more suprised when you actually start getting a naughty thrill out of annoying these horrible DCA's!! Chin up, you are without doubt in the right place here at the CAG amoungst friends and equals!! UF