Hopefully, we'll see a few DCAs going destitute. Can't afford to subsidise your pools, cars, weekend p*ss-ups there, Mr Maynard/Mr K*****n/Mr MacKenzie/Mr Carter/Mr Bartle? (apply any workable MD name) Shame - my heart bleeds for you. I might drop a penny in your tin if I pass you - oh no, that's spit!

That letter looks OK, but don't expect LTSB to cave in. They'll stall, lie and mislead incessantly. I'd also consider complaints to the OFT, and the FOS as well. Again, nothing may well get done about it, but it'll aggrieve the bank and that's enough reason for doing it. LTSB deserve it.

They have to fulfil your request before commencing action of any kind. Wait and see what they turn up. If your request is fulfilled, and it's MBNA, and it's a pre-2007 agreement, chances are it's unenforceable.

It may help if you quote the exact section of the UTCCR. In this case, it would be Section 2083, Schedule 2, Regulation 5(1e), which states ' requiring any consumer who fails to fulfil his obligation to pay a disproportionately high sum in compensation'. This is the passage of law that specifically applies, as LTSB will no doubt need to be reminded. Their staff don't know their ar*eh*les from a hole in the ground, as has by now been amply demonstrated to the British public. Take it from me, LTSB will try any and every fob-off excuse under the sun. Why this bank wasn't left to flounder into oblivion is a complete mystery to me! Bear in mind that it's managed to haemorrage staff, alienate the entirety of the Islamic community, be caught breaking international sanction law, aggreived the Competition Commission (which looks as if EU Intervention will be becoming involved!) And this is all in the space of a few months! The nerve of this bank for needing a £17 billion bailout - banks are shameless, and this is the worst of the lot! Still, under this government's control, it's doomed, so there's some consolation there.

If last payment or written acknowledgement was May 2003, it's statute barred and nothing can un-statute bar it. No payment or admittance of debt should be forthcoming. Send off the statute barred letter, then forget about it.

I wonder if any other DCAs have online chat facilities. I notice MH's lame-brained idea didn't last long.

A squashed doughnut with plenty of icing sugar seems the only choice, postggj. DCAs love sugar - they drop everything they're doing and take a day off work to focus on the sugar. A bit like ants, really.

If it's Mackenzie Hall, give them nothing. There is absolutely no reason why anyone should continue to subsidise the existence of that company.

You could say - 19th September 3009.

Definitely report it to the OFT. First Credit have indeed recently been issued with an OFT warning for exactly this kind of behaviour.

Two debts for the price of one, only seven careful owners each...

Sorry Kraken1, and with all due respect, I don't believe you are correct on this. DCAs routinely 'trade and swap' information between themselves. I can categorically state - just for the sake of an example - that MacKenzie Hall receive details from First Credit. And then in turn, companies like Lowell and Meritforce receive it in turn from MH. MH and Meritforce, since they amalgamated, use the same computer system, and I know this to be fact. So yes, I can well believe that the CSA (look who forms it!) is circulating such information among its members.

This is a link currently in the Credit Reference forum, but thought it could do with being placed here as well. Apologies if this has been done already. Petition to: Amend the Consuemr Credit Act. | Number10.gov.uk

This is a link currently in the Credit Reference forum, but thought it could do with being placed here as well. Apologies if this has been done already. Petition to: Amend the Consuemr Credit Act. | Number10.gov.uk

This is a link currently in the Credit Reference forum, but thought it could do with being placed here as well. Apologies if this has been done already. Petition to: Amend the Consuemr Credit Act. | Number10.gov.uk

Just had a quick look at the portrait on Cohen's website. You'd think with his infamy, he'd be able to afford a decent wig. Or maybe that's the one he wears for court as well?

Same principle as the comical 'paypoint cards' sent out by the likes of Bryan Carter and Meritforce. Who comes up with these ideas at these companies?

Yep. Report them to the OFT, and both yours and their local TS office (though don't expect any constructive action from Glasgow TS!).

A CCA request will stop AIC taking any kind of adverse action. However, this won't stop the automated silent calls (when are AIC going to get fined for that?), though after you get about two or three of them and not respond, they'll stop. If they phone and you do get a human on the other end (used in broadest possible terms!), refuse to confirm or discuss anything with them. You don't have to justify/explain/excuse or tell them anything verbally besides 'In writing only!'.

Don't be surprised if they try it on and mock up an agreement. In response to a CCA request sent to AIC before, he got a letter from AIC stating the agreement was unobtainable. Then, it was a bit of a shock for him to receive a Credit Card CCA (he's never had a LTSB Credit Card) with his signature on, but all other details completed by two separate people. The date of birth is unclear, and the phone number completely wrong. LTSB aren't above dirty tricks - but then again, being found in possible breach of UN Sanction Law (as they were caught out doing in January this year) isn't above them, either. Lloyds TSB and Iran (Sanctions): 12 Feb 2009: House of Commons debates (TheyWorkForYou.com)

Crockwell are still going? I thought they'd shut up shop. If they haven't, it's a shame. Still time yet, though.

Who is this? AIC, by any chance?

Oh dear! Another one on the way out. I'm so tragically sorry for the cutbacks Crapbot will have to make (ha ha ha!). Might be time to reconsider that new swimming pool, Mr Maynard...

£40 million loss, and now this as well? You could almost feel sorry for AK - actually, nah! Time is short, AK, time is short...

Ignore. Meritforce are bottom feeders. If anyone shows up, photograph/video them, then report them. If you haven't authorised such a visit, then it's not an authorised visit.