Just been reading the FAQ's and it says that I can access my Statements online. Well, I'd done that already and saved them all to one big Excel file. Has anyone else gone down this route? If so, how do you go about it? I just reckon it would save so much time and trouble (And £20 )

Thanks MC... I'll see if I can fire up the old scanner... But I'm a bit confused about your statement regarding the 12+2 days thing. I was under the impression that they had to send you the agreement back within that time limit or they would default on trying to claim it back... i.e. Not at all??? What do I then do about the other 2 DCA's? I'm getting more confused now

Can anyone point me in the direction of the Template Letter for when a DCA take too long to send back the original agreement? Moorcroft took 51 days, so I subsequently ignored their harrasing phone calls. Now I've got 2 other DCA's after the same debt. ARC have sent me a copy of the agreement and it only took them 10 days. I read on another thread that it's not allowed, while it's in default with another company, and I just can't find the relevant template letter...

PT... Can you confirm that this only applies to similar agreements from 2005 onwards? My own agreement is from 2002, which on another (similar) thread states that this only applies to post-2005 agreements. Surely the same rules should apply whenever the agreement was taken out???

That's basically it, yes. I read earlier that the rules were different from 2005 on:-|

Oh that's OK. I didn't start getting into trouble with them until a good few years later, thanks

My agreement states the same... "Credit Agreement" rather than "Credit card Agreement". It also has the "Approved Limit" bit too. Unfortunately mine is dated 2002. Does this mean I don't have a prayer, and the above doesn't apply?

I eventually got the CCA from Moorcroft dated 28/11/08, which I calculate to be 51 days from my initial letter. Since then I have had numerous phone calls from said DCA harassing me, at home and at work. How they got my work number I'll never know. However, I never answered any of their calls except one at work asking them to stop calling me at work. I asked how they got my work number to which the reply was "It's the number we've always used". Not the answer I was after, because I've never given my work number to them. I also unwittingly answered a home call, just after I returned from a funeral of a colleague, when I wasn't in the best of moods. Unfortunately I lost my temper and gave them a few expletives. In the meantime, I have had 2 other DCA's write to me demanding payment. One of them has even got their solicitor to threaten me with court action. I CCA'd them this morning. There's a few unlawful charges on the Egg statements but I'm wondering if it's worth pursuing them. This is now starting to get to me, and I do admit it's wearing me down. I am now earning even less than what I did when they defaulted me. I've never tried to avoid paying, but tried to get an agreement going with Egg, which they declined. As soon as they defaulted me it went straight to Moorcroft which only served to get my back up Surely there's got to be something wrong when 3 different companies are after the same debt??? Oh, and for the record, the C/C was first taken out in 2002.

Are you saying that I should go ahead and have discussions/communication with Moorcroft, even though they haven't proved that they are legally entitled to do so? I didn't send a CCA request to Egg, because I'm not contesting the contract with Egg. I sent them a S.A.R, and to date I haven't heard anything from them. I understood that the process was that when Egg send me the details I ask for, I read through them and pick out the unlawful charges, which I list and send back to reclaim. That's all I'm waiting for... I'm not denying I have a bill to pay. Just the amount and who to pay it to.

Thanks for the reply Mistermind. Does this mean that I should ignore them or send them a letter reminding them that the clock is still ticking? I seem to remember seeing a thread like that. Speaking of which, today is the 12th day.

Got a letter from Moorcroft yesterday saying, "We are continuing to seek to obtain a copy of the Consumer Credit Agreement that you have requested. Our systems provide for reviews to be sent to our client on a regular basis and this we are continuing to do. I will contact you again just as soon as the agreement has been made available to ourselves and confirm that at this stage the account has been placed on hold and that we will not seek to enforce the debt until such time as the agreement is obtained. In the meantime however,we believe that it may be of assistance to all parties if we also take this opportunity to ensure that any potential areas of dispute are addressed prior to any possible court action or further investigation. Please could you give an indication of the information you will be providing, when giving evidence to the court or providing information to the relevant stautory authorities in relation to the alleged subject matter of the account. Please could you provide this information by return. We belive hat this is a simple request that will assist in ensuring that all possible areas of dispute are identified as quickly as possible and potential costs and delays kept to a minimum level" Am I right in thinking that this means they don't have a CCA for my account? If not, what next? And why do they keep harping on about court action when I never mentioned it in my CCA request to them?

Right, now that I've sent my first S.A.R in to Egg (Egg thread) I'm now inspired enough to get started on my Lloyds claim. Mind you, it's going to take a bit of work with the amount of charges they've placed on my accounts. I feel like I'm being ripped off by the bank, ripped off by the CC companies, ripped off by the energy companies, and the final straw was that I got ripped off by a garage when I took my car in to be repaired. It's now time to fight back! Is there anything new or relevant I will need to know due to the current financial climate?

Well that's easy... Even HE doesn't call as often now that I'm skint! That's me just back from the P.O. The deed is done! Anyone reckon I should call Moorcroft and explain that I am not trying to avoid paying, just making sure that what I will be agreeing to a correct total amount. After all, it's due to Egg's intransigence, coupled with their unlawful charges that put me in this position in the first place. Or do I just sit back and wait???? Anyway, now that's out of the way, I can try and summon up the energy to resurrect my claim from LloydsTSB.... Now that'll be a big one!

Funnily enough, it was 2004 I took out the account with Egg. Thanks for that info. No I just want to CCA Moorcroft for two reasons; 1. To make sure they are entitled to collect a debt from me 2. In order to call them off until such time as I can ascertain exactly how much I owe them. I don't want to be coerced into paying too much each month the way I was the last time. Remember I am now paying Moorcroft a fair bit for the loan from Egg too. You caught me there just as I was about to leave for the Post Office. Which is good, because just re-reading my CCA request, I realise I've got my home phone number on it. No point sending them that if I don't want them calling me.

Thanks for your reply Mistermind... Although I just want to clarify... Are you saying that I should go ahead and pay Moorcroft? Even though I intend to dispute the amount that should be payable to them? I have no intention of refusing. Indeed, I have even tried to make an offer of payment to Egg on 2 seperate occasions, but because this involved them freezing the interest, of which they were making a nice tidy sum from me, they weren't interested. Do I send CCA's to both companies initially? Or do I send a CCA to Moorcroft and a SAR to Egg? I just need to know what to do first in order to call off the dogs before their deadline...