If you have an application form without prescribed terms on it then why waste your time, effort and paper. Robbers Way have been at me for about 18 months with a single side of A$ that they say is an agreement and in reality it has my signature on and nothing else. If you write they write back. Just ignore everything that concerns this account unless they take you to court where you will be able to get costs from them. It really isn't worth playing. If they were going to admit it wasn't an agreement they would have done it first time round.

I went through all this, and had three letters back after complaining saying that they believe what they have sent is correct. Don't waste your paper as they will never admit it. Just ignore them and they stop harrassing you after a while. Co-op, the unethical bank

Even better...thank you

Good news indeed......suitable go forth letter currently being prepared. Now do I start with Dear Morons or Dear Muppets.....

It was worst crudit. I have been in dispute with them since March 2008 over a CCA request. Now either they know they are stuffed and are trying it on or they are preparing for court by using Mackenzie Hall who are North of the boarder, the same as me. Opinions?

If you write, they write......if you ignore, they get bored and move onto someone you doesn';t know how to say f off

I have several disputed alleged debts with the DCA'a; Worst Crudit, Robbers Way, Hillbillies Securities etc. I also have a couple of alleged debts in dispute with the OC (SLC, Co-op and Lloyds) Yesterday I get a call from Mackenzie Hall saying they needed to discuss an outstanding financial matter. I didn't answer there security questions and told them to put it in writing. Are they known to buy debts from any particular OC or DCA? Just wanting to get an F off letter ready for them

Reading this, it is almost like my 'journey' with Robbers Way except after the send ham, cheese sandwich and rusk letter I just ignored them. That was 2 months ago and I haven't heard a peep. If you write back they write back so just ignore it especially when you know you are on safe ground.

They don't know their a*se from their elbow........mean while ignore them

I have used it for almost a year and it show some but not all of my alleged accounts () I think it only uses one of the CRA's (can't remember which one but it isn't Experian or Equifax) so if they haven't got anything on you then it will be blank. I was using the £4 a month one but have now switched over to checkmyfile.com which is better but still doesn't show the experian report

Just ignore them. I CCA'd them March 08 for a Cap 1 account and got the same. If you write they write back, if you don't you get the odd alleged solicitors letter asking you to call Robbers Way but they have threatened me with court for 8 months now and I have sent 3 letters begging them to do it but they don't. If you want some fun, ring them and wait for the monkey to say 'do you realise this account is with our legal team who are considering legal actions?' and just say 'please take me to court'......then enjoy the silence as the monkey's script goes out the window!!! All talk and definately no action.....they know they are stuffed

Check the phone number on the Nolan's letters.....are they the same as Hillesden???? Some of the DCA's use solicitors letterheads but send them themselves paying the solicitor a fee per letter. My guess is that it Hillbillies using Nolan's logo to try and scare you but I may be wrong.

I am sure I saw a Lloyds thread on here with the head man's email address??? They are doing my nut in and I wanted to send an email, anyone any ideas where/what it is??

Well I had a letter through, although the person didn't want to put there name to it. It said 'Please find enclosed a copy of your signed agreement I have included a clear copy () and highlighted the issue we discussed.' Now this was me baiting them asking where it said on the agreement they could share my data. The agreement that is signed is unreadable other than the APR and the terms and completely illegiable. The clear copy is nothing to do with me but the highlighted sections is: Section 6 - Transfer of Rights and Duties 6.1 We shall have the right to assign or transfer all or any of our rights and duties under this Agreement to any person without your consent. 6.2 You shall have no right to assign or transfer any of your rights or duties under this Agreement. Oh well then SLC you got me, I can't believe I was so stupid as to not realise that the bit about transfering rights actually means they can share my info with the CRA's DOH !!! Are these clowns for real......?

I went SLC baiting last night on this very subject See http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/196592-student-loans.html

Had a spare 30 minutes last night so went SLC baiting!!! They have been ringing me daily for months but we just ignore them. I have been paying every month what I can afford but they want me to fill out an I&E form so that they can check and challenge it!!! I told the girl my total debt and what percentage of that was SLC I then allocated that percentage of my money left over and told her that figure. She just kept saying 'but who has authorised that percentage'.....I think pro rata was lost on her!!! Needless to say I won't be filling out her form unless a judge requires me too! Anyway I asked her where I had signed to say that SLC could share my data with CRA's and she said it was on my agreement. I pointed out that I had already SAR'd them and had my agreements in front of me and there was nothing on them. She then said that the CCA changed in 2006 so they could do it. I pointed out that my pre-1998 agreements were covered by the CCA 1974 so that didn't apply. She kept saying that they had sent stuff out changing the contract to allow them to do it. I told her that nothing had arrived and it would be unlawful to share my data. After about 5 minutes of her trying every avenue but finding some big road blocks at the end of each she then declared that she had just moved offices and hadn't had time to unpack her stuff, and the info she needed was in a box somewhere. She said when she found it she would send a copy out.........I won't holding my breath!! It would appear that they are trying their luck with this and if pushed haven't got any legal back-up so just keep challenging them.

Don't hold your breath!!! I have an ex-crap1 with robbers way and it has been in dispute for over 1 year. I have sent the section 10 etc but they say they have the right to process and won't remove it. Mine along with 5 other defaults drops off next summer so I am happy to wait till then. The only real way would be to take them to court and get a judge to instruct them to remove it but if you have the same application form as me you will see that the small print around the signature does say that you give them the right (crap1) to process your data so you may be on shacky ground. Someone maybe along to tell you different but just my 2p worth!!!

Will have a read...much obliged

Surely everyone that has late / missed payments has charges therefore making the defaults notice rubbish???

Surely everyone that has late / missed payments has charges therefore making the defaults notice rubbish???

I sent a SAR to Lloyds and they sent me a photocopier paper box with everything in, agreements (although all are defective ), staements for my 4 accounts from the day they were opened, contact management print outs etc. I guess it just depends on who is doing it on the day. As for getting all my statements from Lloyds credit card.........that a completely different story

....just getting round to starting my claim after sending the first letter and the LBA. Is it form 1b that I use for the courts??? Also the details of the claim, do they come from the wiki or are there one particular to Scotland? Any help much appreciated.

Good luck worst crudit, it should be a challenge finding that agreement!!!

The credit card claim is only a couple of hundred pounds. Is it ok to split claims by accounts? This would mean they were both sub 3K

So after have a read through the Scotland forum, it would appear the SC limit is £750 otherwise you need a solicitor or start the claim against Lloyds in England. I am getting that right?