Thanks for the advice and letters. Id better just confirm to you that I sent my letter asking for a copy of the signed credit agreement to Rockwell. I have checked the paperwork on the letters Rockwell have sent ...and in very small print it states that...Rockwell is a trading name of Tessera Credit services Ltd. In another letter it states 'We have been instructed by Phoenix Recoveries (UK)Ltd on behalf of its compartment Tessera Recoveries, to contact you regarding the above account which remains unpaid'. No where is there an address for Phoenix. BUT, it appears that they are all the same organisation (albeit with different names). So, as I have no address for Phoenix, do I just send one letter to Rockwell? Sorry to be a pedantic pain, but you have given me detailed info, and it would be a shame to F*** it up. Also, I called Consumer Direct today, who agreed the debt is unenforceable, but that they could (via the credit card statements) have some evidence to go to court with it. Although they agreed that they have breached the timescales as per the Consumer Credit Act. They also suggested writing a similar letter to that you have suggested.

Im a little confused too! As all the correspondance has been from Rockwells, im assuming i send the letter to them, although from what LLoyds say, it is Phoenix who now own the debt (I presume they own it. Does 'assigned' mean that LLoyds have sold the debt to Phoenix? So LLoyds are no long anything to do with it?) In sending this letter to Rockwell as agents, this will include Phoenix (as they have deemed R to act on their behalf) Also in the letter suggested in the paragraph beginning..'Therefore as at....(date)...Im presuming that the date i enter here is the date 42 days (12 days & 30 days) after their receipt of my request for CCA letter. I just want to get it right. Does anyone else have any thoughts on this before I send this out? Very grateful for all help.

originally, I received a letter from LLoyds TSB stating that the original account was assigned to Phoenix recoveries acting in the name and on behalf of Tessera Recoveries. LLoyds stated that the effective owner of the account was now Phoenix recoveries. Phoenix has now appointed Rockwell as their servicing agent to manage your account on their behalf. All further contact and payments regarding this account should now be directed to Rockwell. This letter was accompanied by one from Rockwell basically confirming that Phoenix had been assigned the account and that Rockwell were their managing agent. Then a few days later came the letter from Rockwell stating the had been appointed by Phoenix to collect the unpaid debt within 7 days, or they would take immediate action. I sent Rockwell a letter sent RC to state I was in receipt of letter dated...and having taken legal advice I wish you to supply me with a copy of the signed credit agreement relating to this debt (and enclosing a PO for £1 payment). I stated on the letter that if i did not hear from them within 28 days i would consider the matter closed. This was all what the consumer advice phone people told me to do. I received a letter from R acknowledhging receipt of my letter, stating theywould contact me again shortly. Then heard nothing until 6th march when letter from R arrived, stating that LLoyds are unable to provide them with a signed copy of agreement, but has givejn them photocopies of credit card statements relating to the account between 2005 and 2006. The letter ends 'please remit the sum of £---- by return if you are to avoid recovery action continuing without further notice' Thats how it lies at the moment.

Please can someone tell me if I need to reply to the letter? We have only one wage coming in and 2 kids and cant pay this. Please advise me how to answer the letter from rockwell

Got it! Bring up my posting! Sorry not very IT literate.

What does 'bump' mean? Ive seen it a lot on the forums here. Is it an IT term, or is this you suggesting that I do something? Please explain 'bump'

Thanks Curly Ben I had thought they were maybe fishing as the letter they sent was sent second class and not RC. Surely if they had meant business it would have been RC. What do we do now? Ive been advised NOT to ignore the letter, but to send something back stating that they dont have a signed agreement and they are outside the statutory reply period. What do you, or anyone else recommend? My sister in law who was in debt recovery sais the bank has sold on the debt to R for a small price and they will try all the debts to see if someone is a sucker. She says they ® cant take everyone to court. Im a little afraid to do nothing. The TS seemed to be a little doubtful - they didnt say anything re the 28 day reply period, although i mentioned it twice. Dosnt inspire confidence... What do we do now?

After reading further on this site, I now wonder if Rockwell are being naughty because they hadnt replied to me within the 28 day period. (It took them from mid Nov till early March to send letter stating they dont have a signed agreement). Oh, what do I do?

Hello all, I have started a new thread as I need some advice re a demand from Rockwell Debt collection agency. The basic story is that OH has taken out a credit card in 1981, paid some of it up till 2005 and then after moving house etc 'forgotten' or 'ignored' paying it. I knew nothing of this until Nov 2007 when a letter arrived demanding payment by return for the sum of just over £5000. I was convinced that this was a [problem] letter until OH returned home.. His face said it all and amid heated exchanged the story finally emerged. Anyway, I found your site, read up, spoke to consumer direct or someone who advised sending a letter RC to Rockwell, disputing the agreement and asking for a copy of the signed credit agreement and enclosed a PO for £1. I was also advised to state that if I hadnt heard from them within 28 days I would consider the matter closed. Sent it, waited. Got an acknowledgment letter a week later, and waited. Nothng. Thought all fine - back to normal life - until letter arrived from Rockwell on 6 March stating that although they are unable to produce a signed agreement, they enclose copies of the account statements (which show payments made in Nov 2005). They want the total outstanding amount by return. Spoke to Trading standards who said that they could not enforce without a court order because there is no signed agreement, but that they might have enough evidence in the statements and record of payment to prove he owed the money. This has confused me as it appears to be different from what I read on this site. I dont know what to do now. TS advised calling CLS debtline and arranging a payment plan. The house is in my name and OH only asset is his car. Im really concerned. Can anyone help? Should I go and see a lawyer?

Thanks Rory32. I thought that from my reading of the many posts on the site. I take it they are just trying to frighten us into paying. Can I just check that I can ignore this, or should I send them a reply back? Also, the credit card was taken out when OH lived in Scotland, but we now live in England. Would this have any bearing? (Im not very IT literate and this computer keeps losing the internet connection, but I did try posting a seperate thread, sorry)

Thank you Lapos, I will try posting a new thread. I rang CAB but they can only give me an appointment in two weeks time they are so busy!

My OH has hidden his debt from me since we got married, but letters arrived and I found your site. Rockwell sent letter in Nov 2007 claiming he owed over £5000 and to pay it immediately. I went through your site, contacted trading standards who told me to send recorded del letter asking for a copy of the signed credit agreement, giving them 28 days. Apart from an acknowledgement letter the following week heard nothing from them till this morning. The letter states that LLoyds have NO copy of the agreement, but have furnished copies of the credit card statements from 2005-6. They are asking for full payment by return. I called trading standards to ascertain position, but the girl was unsure of the legalities, and has referred my number to the county trading standards who will contact me in the next couple of days! Question is because Rockwell cant furnish signed agreement, and that they have finally responded more than 3 months after I requested signed copy of agreement can they do anything? and if so, what? OH dosnt know Im on this site, Im dreading him coming home to this. We thought it was all over..please help/advise.