Thanks for that ODC. I wasn't talking about the agreement it was the assignment letter from NR that concerns me. The amounts, dates and style just don't add up. This along with the fact that the person who supposedly wrote it is on maternity leave! Do you think I should still go to TS? (Forget that already have and TS will be on the case next week for fraud!)

Sorry I think we must be talking about a different 1st Credit after watching that video!! 'Can I take your home telephone number in case we need to help you in the future?' every heard that one from a 1st Crudit monkey? 'We will keep calling you, this won't go away, we will take you to court and sell your children....' must be an alter ego company!!!

Thank you again GodMother! Right I have done some digging and have been surprised by the results! I now believe that the Northern Rock letter is from 1st Crudit. The person that signed the letter has been on maternity leave sinec Nov 07! The person that has replaced her knows nothing about this letter and has asked for a copy so that he can speak to 1st Crudit. I don't think I will bother. The letter has the standard 1st Crudit barcode on with their reference and talks about the client. I guess this is what we come to expect from this shower of sh*t! So I have drafted a nice simple letter Any comments? (PS the phone calls have started again! I feel some phone fun coming!!)

Thank you The GodMother, much appreciated OK so 1st Crudit have replied to my latest letter above: They have sent through another copy of the first page of the agreement which is crystal clear. They have also sent through a 'edited'(!) copy of the supposed back page of the agreement which is illegible! The covering letter gives me 4 options: 1. To confirm that the signature on the agreement is mine and then they will send through 'a complete copy of the relevant document' 2. If its not my signature, to send them a copy of my signature (yeah right) 3. If I have lived at the address mentioned if not where and when 4. If I believe it's fraud then I should go to the police. So they have sent me an edited version of my agreement and the second page is unreadable. What should I do now? (to remind everyone the front page does seem to be an enforcable agreement) I also recieved a letter from Northern Rock (the OC) stating that they sold the account to 1st Crudit a whole year after the date stated in 1st Crudits letter. Curiously the NR letter came from 1st Crudit as the address and reference number was the same but dated 21 May 2008!!! The NR letter also states the balance when sold and this is several hundred pounds less than 1st Crudit put in their letter! I think I am understanding why 1st Crudit don't want to send a statement of account as the amount NR said they sold it for is less than my current balance after paying 1st Crudit for 2 years! So although it would appear that they have an enforcable agreement the amount is seriously not adding up and the date it was sold varies by a year. If they fail to send me a statement of account and illegible t&c's, although they have provided a potential enforcable agreement, is the account still in dispute???

Try this bad boy that was sent top the Co-op by me earlier this month following a letter that basically said they didn't need to keep a copy of the agreement after 6 years. Credit for the letter goes to other on this site not me! Send that to them

And so the phone calls start again but from a different number. I am planning on sending the following: Any comments?? Sent the letter special delivery last night so will see what they say. Anyone any answers to the questions in post #33???? bump

Thanks for that pt The letter said " with regards to your request for a copy of the deed of assignment, we would refer you to section 136 of the Law of Property Act 1925 which provides that the debtor is notified of the assignment of the debt in writing and not a copy of the deed itself. A notice of assignment was generated on the 5th July 2005 and posted to you" I can't remember if that's true or not!!! So my questions are: 1. This was a unsecured loan done on the internet so does that make it non-cancellable? 2. It refers to "terms & conditions overleaf" which I don't have. Does that make a difference? 3. I don't have any statement of account from when it was passed to 1st Crundit does that matter? 4. The NR statement shows an opening balance on the 31/01/01, the agreement was signed by them on the 22/02/01, by me on the 26/02/01 and the first repayment was on the 09/04/01. Why was the balanced opened before the agreement was signed?? ANy help MUCH appreciated.

Much to my surprise I have received a copy of my agreement from 1st Credit http://i281.photobucket.com/albums/kk222/Tartan_Barty/NRCCA.jpg Please tell me this is unenforcable.....it looks good to me. I really don't want to have to pay anything to these muppets After making a CCA request to 1st Credit in Feb 08 they have somehow found my agrremenf from 2001!!! They have sent a letter with it and some statements. Firstly the agreement looks like it has all the terms required to make it enforcable See http://i281.photobucket.com/albums/kk222/Tartan_Barty/NRCCA.jpg The statements are for the time the loan was with Northern Rock but make no mention of the time it has been with 1st credit. Are they supposed to send me a statement of payments to them??? If anyone can spot anything wrong with the agreement please post as I really want this to go back to NR and not pay the heartless 1st crundit monkeys anything. *bump* can anyone help????? Just reading through some other threads....if the agreement is sent by post for me to sign at home after NR have signed it, should it have cancellation rights? Also it says that there are T&c's overleaf but I don't have the overleaf bit. Does that make a difference??

Anyone???

I had a statement through from the coop today and they have now started charging me £12 arrears charge and £25 interest. The 12 days was up on the 8th May and they applied the charges on the 7th. I have continued to make payments. Any ideas how I play this one?

@ Nicklea - I am trying to get the account passed back to Crapital 1 so I can go for a small F&F @42Man - reliable as ever, much obliged!

Ok a quick update. Following their letter they continued to call but didn't get any response. They then sent a letter which arrived on the day the 12 days ended saying they wanted the whole amount for the credit card. That night I got a call from Phoenix Credit Services Ltd who said Co-op had passed on the other debt. The conversation went something like: Phoenix Muppet: Can you give me the first character from your password Me: No Phoenix Muppet: Is that because you don't know it or because you won't Me: Because this account is in dispute and should not have been passed to you Phoenix Muppet: But the Co-op have passed it to us Me: Well they haven't supplied me with an enforceable agreement so its in dispute Phoenix Muppet: What do you mean, it's in dispute Me: Failure to supply a enforceable agreement, not allowed to ask for payment, not obliged to offer payment, not allowed to default, not allowed to pass on to 3rd party etc etc Phoenix Muppet: Thank you [click] God that felt good....! Now Phoenix have sent me a letter and it says they are a subsidery of Co-op. Do I need to send them the 'I am surprised......' letter or should they know the account is in dispute and ignore them?? Can Co-op pass the account over during the 12 days???

.....wasting my time or yours by scanning and posting the 1 page copy of my application form Robbing Way & co that they believe satisfies my CCA request back in March. I am sure I have seen a letter to send to them thanking them for their response but in order to comply they must send a agreement with the following.....etc Anyone got a copy they can paste on here please?

Just as I thought, I will follow your excellent advice.

OK so I CCA'd them on the 19 April and this is the response I have recieved today http://i281.photobucket.com/albums/kk222/Tartan_Barty/coop.jpg Is this saying what I think it is saying What's my next move??

Exactly that one......much obliged!

Re the s10 bit...I have a default on my file from 1st Crudit for this loan. Now surely if they can't supply the agreement they can't process my data. Can anyone point me towards the letter with the s10 bit where it says you must cease in 21 days or write to me explaining why in 14 days, can't just say 'legal right' etc. I have spent 2 hours looking through posts but can't find an example!!

Well the phone calls continue and now they say that they have sent an I&E form for me to complete. Last time they did that they asked for 3 wage slips, a statement from each of my credit etc. I reported them to the FOS and they made a formal complaint on my behalf. Never heard back from the Co-op until now. Is there a head office address for the CCA requests to go to? I only have a PO Box no from the credit card statements.

I have a NR loan and CC that was sold to the Co-op a few years ago, not through lack of payment. The Co-op have been accepting reduced payments on both since my finances went t*ts-up in 2003. They are now starting the old 'we won't accept anything less than £150 per month' routine. Just wondered if anyone had experience of CCA'ing loans and CC's that the Co-op bought from NR. Is it likely they got the correct paperwork when the sale went through??

Many thanks tomturn8 will send off tomorrow. Can I add the bit about an s10 request to cease processing data and remove defaults??? or is it too early????

Ok so the 12+30 is now up and nothing has been sent through. I know I have to complain to someone but can't remember who and how. Can anyone help me please?

I'll *bump* your *bump* and raise you 1 *bump*Anyone???

This is what I got from these monkeys when I CCA'd them. http://i281.photobucket.com/albums/kk222/Tartan_Barty/HS1.gif http://i281.photobucket.com/albums/kk222/Tartan_Barty/HS2.gif http://i281.photobucket.com/albums/kk222/Tartan_Barty/HS3.gif Can they withhold certain parts of the deed??? or is this just BS???

Received these from them. The first letters says they are going to get the CCA from their client, the next says they have bought the debt. The deed of assignment is just great. I should send them one saying that me and my mum have been assigned there entire business so there!!! http://i281.photobucket.com/albums/kk222/Tartan_Barty/RWC1.gif http://i281.photobucket.com/albums/kk222/Tartan_Barty/RWC2.gif

I am in the process of CCA'ing DLC but more interested in whether MBNA can default me and then hand it over to DLC, mark their default as satisfied and then DLC default me again for the same debt???