Thanks citizenB but there's no need to apologise!! Yes, good idea to include a copy of Incasso's reply, will do that. Thanks again

Thanks for your reply creditcardmug, ok, DH won't pay them then and thanks for the info regarding when to send the defence by SD. Thanks again Thanks for your reply citizenB, will add the extra info that you have kindly provided regarding the "embarrassed defence". Yes the CPR letter was sent recorded delivery and Incasso replied with the letter I posted about on friday. Thanks again

Mrs Z again, forgot to ask, DH makes monthly £1 token payments to all his creditors, they are due to be paid today, should he still pay Co-op (Smile) as usual, even though there is this CCJ against him? Sorry if this is a stupid question (we're guessing the answer is yes) but want to be sure. Thanks again

Hello, Mrs Z here, DH has just phoned Northampton Court, the date his defence has to be in by is the 25th July. I have a few questions if I may. Is it best to go with the “embarrassed defence” as said before in this thread? How long should DH allow for the defence to arrive by special delivery in time for the 25th July? (I understand that special delivery is guaranteed next day delivery, but am sure I have read on the forums that a bit longer than the day before should be allowed). What happens if Incasso/Co-op comes up with the required info after DH has sent of his defence and what should he do? Any help appreciated very much, thank you

Hello creditcardmug (love the user name!!) Thanks for your message, DH is off today so he will phone the court to get a date. The defence will be prepared and sent by special delivery, from what we've read, that's how most people have been advised to do it. Appreciate your help

Thanks for bumping citizenB, you're a star

Good morning citizenB, Thank you very much for replying so quickly! Yes, I’ve read a couple of threads concerning the “embarrassed defence” and did wonder if that would be the route DH should take. I’m trying to get as much info as I can to help DH prepare, it seems only fair as I am not working yet! Having said that, I would help him anyway, after all, we are a partnership. You’ve been really kind and I am really grateful for the help, as I know DH is too. It’s a really dreary day here weather wise and doesn’t do much to keep ones spirits up!! Still, as they say – what doesn’t kill you makes you stronger, just have to keep up the good old British “stiff upper lip” attitude and not let the Barstewards grind us down eh?? Sorry for going on and thanks again

Hello, Mrs Z here again!! Just an update. It doesn’t come as a surprise really, but, DH had a letter from Incasso LLP reference the CCJ and the Co-op – it says that they have referred the “part 18” request to their client to provide the details/docs ASAP. They go on to say that it is unlikely that the details will be accessible within the time requested. Also, within the guidelines as set by the court he has until 27th July to file his defence and/or counterclaim. From what both DH and I have read on this forum, it seems it’s rare that part 18 requests are fulfilled. I will take a look around to see what has to be done, because we don’t want him playing into the Un co-operative banks hands and let them win due to lack of preparation for the defence. I can’t believe they went straight for the jugular and didn’t give DH the opportunity to deal with a friendly (not) DCA – lol!! Complete barstewards.

citizenB, thank you, I will try and you're welcome

Thanks for your quick reply citizenB Yes, Amex is the OC and CSL the DCA. I have modified the letter a little to suit Amex. Thanks again!!

Hello, Mrs Z here again! Sorry Should I post a copy of ScarletPimpernels letter to Amex (with a bit of modification) as well as CSL please? I am doing the letters today as I have run out of ink for the printer ( a good administrator I'm clearly not!!). When DH does the communications, he is so much quicker than I!! Help appreciated, thank you

Hi citizenB, Yes, Mr Z had a good first day, tired but thankful he has been given the chance at the ripe old age of 52!! Thank you for asking

Thank you very much for your replies Babybear and ScarletPimpernel, that’s very kind of you. So, I’ll send the letter SP kindly posted to CSL and should I also copy to Amex too? Power2Contact have neither written nor attempted to visit since the CCA was sent to Citi Cards. The last communication from P2C was the visit at the end of May. Although, I have to admit that I am wondering that as now Citi has graced DH with a letter (our 8 year old grandson could have done a better job!!) whether Power2Contact will be set on to us again! They have had the letters telling them not to visit (Citi Cards twice), they can’t phone as they don’t have any telephone numbers for us. After re-reading the letter from Citi Cards and checking the files, I see they have only addressed the first complaint letter – hence the different collection company they mentioned. They did send a letter stating that as there was no contact from DH to Citi (blatantly untrue) they would consider sending around one of their agents, DH wrote back with the template letter from this forum and heard no more from them! Then P2C came along, hence the need for the 2nd complaint to Citi. I shall write a strongly worded letter to Citi Cards informing them that they have failed to answer the 2nd complaint and should I also remind them that they have not responded to DH’s CCA request or let them dig an even bigger hole for themselves by going the further 30 days? Thanks once again for all your help, without it I’d be lost!!

Hello I am Mrs Zeus and I am posting on behalf of Misterzeus as he is now working, I hope you don’t mind. I am obviously aware of all that’s happening re the threads my DH has submitted. I have a couple of queries: Amex is now out of time for CCA request (12+2+30 days); the 2nd of July was the precise date. This morning, a letter from Credit Solutions Ltd arrived; it is an “Interest /Late payment charges (courtesy of Amex) notice! As I am dealing with the admin now, should I send a letter to CSL to tell them to wind their necks in as it is in dispute with the OC? From what I’ve read, I thought when a debt is in dispute, no further interest and charges can be added or am I mistaken? Also, aren’t they in breach of OFT guidelines? A CCA request was sent to Citi cards and their 12+2+30 days are up in less than two weeks. DH has posted a couple of complaints prior to requesting a CCA. This morning they have written (and very poorly drafted I must say) saying they are sorry he is unhappy with the collection company they use. The thing is the collection company they mention is not the actual company they used! They make no mention of the CCA at all and have “as a goodwill gesture” credited his account with £20. They go on to say they have noted that token payments are being made by DH each month and to phone a 0870 number to have his financial situation reviewed and request to be placed on a payment plan! Needless to say they will not be getting any phone calls!! Everything will be in writing. Personally, I think they are worried as 1: DH made two complaints to Citi Cards, in one of the letters he told them he has been diagnosed with PTSD and the DCA (Power2Contact) visited the house twice after the complaint was made, once just posting a card halfway through, the second time the agent knocked) 2: A CCA has been sent Any help and advice would be welcomed on what I should do next, I thank you in advance MrsZ

Thanks guys Yes, the next step will be to sort out the muffins!! As Arnie said - I'll be back!!!

Yay! I got offered the job and start next week, there was no mention of any credit checks

Thanks andyorch, am feeling nervous and off for the interview shortly

Thanks citizenB It's tomorrow and here's hoping I'm successful!

Thanks for posting that link citizenB, really appreciate your time, but all of my creditors/DCA’s have received the harassment / only communicate in writing letters and where applicable the doorstop letters. I just ignore their standard threats of what will happen to me if I don’t phone them. I use to worry constantly when those letters and lots of them arrived almost daily, now, while of course it still concerns me, I have become more hardened and don’t fret quite as much! Mind you, last week I was only thinking that I don’t seem to be getting many threatograms – perhaps lots of staff are on their holidays?? The next day I received the CCJ from Northampton CC re Co-Op which I posted a thread on the legal issue forum for help. ScarletPimpernel, yes I seem to get the same responses from Amex, their “personal” letters can be very condescending at times though! I agree, very poorly written indeed! Still, I like to think I give as good as I get thanks to the CAG and its very helpful members!! Thank you both, posting on here helps to keep me sane

Amex certainly are a joke, when I’d seen off RMA/NCO, Amex prattled on about (although I had stated time and time again that I would only communicate in writing), that they believed RMA R€solve could have been a great help to me – but those cretins just wanted me to phone them! I wrote back to Amex and told them to visit the CAG and its sub forum – The Debt Collection Industry and read the many harrowing tales of how people have been treated over the telephone. I said to them that perhaps then they would understand my reluctance to speak with them. I like your Gordon Broon theory – very pertinent!

Thanks for your reply ScarletPimpernel, Your reply gives me great encouragement and the confidence to keep fighting, Amex has been a royal pain in the backside from the start. Amex insist that file referral fees are totally legit and within their “terms and Conditions”, did say they would waiver them on that occasion, but they never did as they and further charges are showing! You are not kidding when you say they are persistent, but hey, as they are finding out – so am I!!! Perhaps I am to expect another DCA to be assigned as RMA/NCO did not suceed and CSL are not getting anywhere with me. It does get you down sometimes doesn’t it? But if we fight them, it may make it that bit easier in the future for others (who get into debt through circumstances beyond their control) to be able to deal with it. Thank you

Thanks babybear, know what I have to do now

Thank you rippedoffagain! That's such a relief, I have applied for so many jobs in the past few months, I was beginnining to lose hope, especially at my age! The first interview went extremely well and I have got a good feeling about this job, so being invited back for a second interview is great news for me!

Hi all, I forgot to ask another question when I last posted on this thread: Will an impending CCJ show up on my credit file or does it have to go to court first before it will be registered on my credit file? I have a second job interview coming up and I'm not sure if I will need to be credit checked for the post. Any replies gratefully recieved, thank you

Thanks for your reply citizenB. I think you are right, Amex are not going to “produce” any other CCA other than what they have already sent. So, Once the 2nd July has passed then I should write to the FOS and/or Trading Standards to complain or would it be best to “let sleeping dogs lie” until they either provide a properly executed CCA or attempt to set Credit Solutions Limited on to me again? After my original CCA request (sent to CSL and they passed onto Amex) was met with their first answer, CSL sent a letter, well a notice really, telling me that their client Amex had added further interest and late payment charges. Also, there was the usual mantra about calling their office regarding settlement. Thanks for your reply babybear39. Very interesting link concerning the new directive and will no doubt be of great help to me and countless others. The date is for offences committed after the 26th May 2008, so I am presuming that although my original CCA request sent to CCSL dated the 15th May 2008, the directive would still be applicable? Thank you again both of you for your replies. I promise as soon as I am financially able, I will make a contribution to this forum as I know that without the great help that has been given to me, I would have most definitely been “walked over” by my creditors and the even scummier DCA’s!