They have to send you a legible copy, but I suppose it entirely depends on how legible the actual copy you have is. Someone with more knowledge than me will no doubt be along very shortly to advice! Cheers. UF

Hi, I have had a quick root around and I have come across this: This is from www.insolvency.gov.uk/pdfs/guidanceleafletspdf/statdemand.pdf so I think unfortunately, there is no time limit on it! Cheers. UF

I wonder if I could just check something.............. You say that they put a charge on your house? Is this for a different debt? My understanding is that to put a charge on a person's property, they must first have a CCJ? (correct me if I am wrong people) Do they have a CCJ against you? The more information people can get, the better they can help! Cheers. UF

NEVER EVER EVER EVER speak to these people on the phone!! They will try and bully and browbeat you into agreeing to all sorts!! Including, but not limited to, handing over your first born!! If they ring you, just simply say "Everything in writing only" and put the phone down. Refuse to go throught their security questions and let them go away!! You are in control, not them! You decide who you do and do not speak to on the phone!! If you find that they are persistently ringing, then let us know as there is a seperate Telephone Harassment letter that you can send. Also, I forgot to say in my last post, to make sure you send all the letters by recorded deliever and keep the receipt!!

Welcome to the Forum! Firstly, don't panic!! You are in the right place, and there are plenty of people on the forum with lots of knowledge that can and will help you! First thing to remember is that these people have no power to do anything without a court say-so! They can make up all kinds of threats, but they are all hot-air!!! Always remember, that it is you that is in control and not them! If they say that you owe them money....... then they HAVE to prove it! It sounds like a phishing trip...... where they basically send out demands to everyone with the same/simillar name etc within a particular area. I would fire this letter off to them, and then wait and see what they come back with: Edit to suit and remember to NEVER sign your name!! Either print your name or leave it blank!!

Sorry to move off the point slightly, but I have to ask.......... is what I read in that link true?? If it is...... then it is absolutely hillarious!!!!

Quite possibly Best thing to do is wait 'till you get home and scan all the documents (removing personal details) onto photobucket and then post up here! That way people can give more accurate opinions!! Cheers. UF

Hi, yes this is true. They do not have to supply to you the original under this section. They simply have to supply to you a "true copy". However, my understanding is thus: Without an enforcable credit agreement, with your signature, there is no enforcable debt. To this effect, if all they have with your signature on it is an application form with no prescribed terms, and then a blank agreement without your details etc on it; then I would think the alleged debt to be unenforcable. Post up everything they have sent you as soon as possible and the experts will be along to give their opinions.

It would really need to be posted up so that people can actually see it, and then there will be plenty of people who will be able to give advice on it! Perhaps post it up once you get home from work? Cheers. UF.

Good for you Jaydeegee!! I hope you are feeling stronger and more empowered now!! These people are nothing but puff and hot air!!!! UF

Hi, I don't know if anyone has posted the telephone harassment letter up for you yet (am running slightly short of time to read through entirely:) ) But here it is just in case: Fire that off to the clowns as well!! All the best. UF

Yes, you are entitled to ask for a copy of the credit agreement at any time. UF

No problem at all Jaydeegee!! We were all worried and scared about these problems once...... but you will be amazed at how quickly the CAG can turn those feelings around!! So many people sleep easier at night because they have found the strength in support and knowledge by being a part of this forum! Good luck and good health to you. UF

Okay, here is the letter that is from the CAG standard library: With the above letter you must include a postal order for £1. Do NOT send a cheque and do NOT sign the letter. This is to keep your signature safe and stop it being "lifted" onto other letters etc. If I were in your position, I would send the above request as well as the strongly worded telephone harassment letter together by recorded or special delivery. I know it costs more, but it is worth it to be able to prove it has been sent. Keep the receipts etc. Then if they phone you up, just say "only in writing" and hang up! Hope you are feeling happier now. UF

Yes, your first priority must be your health!! Second, however, is sorting these people out! As well as sending the above telephone letter, you should send them a CCA Request. The purpose of this is to check that they have a legal right to collect the debt. I am just trying to lay my hands on the standard letter and will post shortly......... unless someone beats me to it! Don't worry, you will soon be feeling stronger than ever and you won't be letting these horrible people get to you any more!!

Yes, the letter above is much stronger than the one I posted originally..... definitely send the one posted by babybear!! That is the letter I was originally looking for.......

Also, if you receive a call from these idiots..... just say "I will only communicate with you in writing" and put the phone down!! Also keep a note of the dates and times etc of any calls. But definitely post up here and let us know what the debt is for, as there may also be other steps you can take. Hope you are feeling a bit better about things now, because your health must be your number one concern!!! UF

My understanding is that they were actually duty bound by Assignment to forward your request to their clients. Either way I personally wouldn't worry until such a time as you hear something more from some moronic threat-monkey or the latest threat-o-matic 3000!! ;-)

Hi there Jaydeegee, Firtstly, Don't worry!! You have landed at the right place, and there are loads of people here who can and will help you deal with these problems!!! Firstly, it is important to show that you can and will stand up for yourself..... send off something like this to them: Secondly, I wonder if you could just confirm what type of debt this is? Credit card etc?? If it is a Credit Card or Personal Loan etc, have you sent them a CCA Request?? If you could post back with further details, people will be able to offer further advice! Chin up, and don't let these problems get to you. As I have said, you are in the right place here, among friends, who will help with any advice etc that we can. UF

Hi, thanks for the reply. I will do this as a matter of urgency. However I wonder if anyone has any further advice as to how to get this appeal heard and sorted faster?? Many Thanks. UF

Hi Poppy, thanks for your advice! Yes, my mother works part time. She is partially disabled and get Dissability Living Allowance. She works over 24 hours a week. Thanks again! UF

Ok, the story is this: Beginning of 2008, my father was taken ill with Chronic Pulmonary Obstructive Disease and had to be signed off work. He was then made redundant and his statutory sick pay ran out. He was told he had to apply for Employment Support Allowance, which he did and this was started in about November 2008. The Doctor says he can't work and referred him to a specialist, who said the same. The specialist said that they cannot cure the condition; however he has sent my father on a rehabilitation programme in an attempt to ease the symptoms slightly. Despite the Doctor and the Specialist saying this, and the Doctor giving my dad the relevant certificates to say he is unfit for work, the DWP made him go to an assessment with one of the "Medical Advisors"; the assessment said that without further intervention he may be fit to return to work within 6 months. The Doctor and the Specialist both say this is absolute nonsense, but this is not the point. Yesterday, out of the blue, my father got a letter from the DWP saying that they had stopped his ESA payments because he did not score 15 on their scoring system. A copy was enclosed of his score and they had scored him at 0 (perfectly healthy); they have even put down that he is capable of walking reasonable distance on a flat surface without difficulty!! He can't even manage to go from the living room to the kitchen without needing inhalers and a rest....... and that is only about 12 feet!!!!!!! On the back of this ridiculous letter it says that he can appeal....... but that they are very rarely successful!! It also says that he should claim Job Seekers Allowance........ but he has been signed off work by the Doctor and his current certificate runs out at the end of June....... so he would be breaking the law if he was to sign on to Job Seekers Allowance because he can’t actively look for work!! This has made me sick with anger!! He is nearly 60, has worked all his life, paid all his tax's etc and yet when he is quite obviously severely ill they make his life a @#*%&£$ misery!! He is now so stressed that his symptoms are worse than ever!! My parents survive on a very small budget as it is and they simply cannot afford to lose this money - and they can't afford to not have this money whilst they wait for a (no doubt very lengthy) appeal to go through!! I feel this is so unfair and unjust and I need to do something to help them!! What should our first step be? Is there someone particularly high up that we can contact directly in an attempt to get things done quicker? Once again, I am indebted to you all for your help and I thank you in advance. Cheers. UF

My understanding is that operating any form of credit or credit recovery service without a valid cc lisence is actually a criminal offence!! "Operating without a Lisence!" On this basis, surely the police should be informed?? Not that I expect they would be keen do much!!

STATUTORY DECLARATION To: Rossendales Ltd Hardman Mill, New Hall Hey Road, Rawtenstall, Rossendale, Lancashire, BB4 6HH I XXXXXXXXXX of XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Do solemnly and sincerely declare that: The above named address and all items, belongings and property contained therein are solely and entirely owned by myself and my husband, XXXXXXXXXXX of the same address. All items, property and belongings contained within the address are not the property of XXXXXXXXXXXX and have always been the sole property of either myself and/or my husband. And I make this solemn declaration conscientiously believing the same to be true and by virtue of the provisions of the Statutory Declarations Act 1835 and Section 5 of The Perjury Act 1911. Signature: Declared at On the day of two thousand and Before me A Commissioner for Oaths, or Notary Public/Justice of the Peace/Solicitor having the powers conferred on a Commissioner for Oaths Ok, thanks so much for your help with this ohoh!! I've had a quick look and was thinking of wording simmilar to that above........ any help/advice/feedback would be greatfully appreciated!! Also, where exactly would my parenst swear this item? I did phone my local county court and mags court a couple of months ago on behalf of my parents and the very unhelpful lady on the end of the phone just said that they "don't do things like that"........?? Many thanks, once again!! UF

Wow, thanks so much for your reply!!