Thank you I will let you know what happens

Hi,Thanks for the responses, yes the original CCA request was made to Jeremy Sutcliffe, who had been pressuring us to up the monthly payments being made to them. Now that they have passed this to someone else, should we acknowledge the new company (fairhalsen), or just ignore their letters if we were not informed the debt was being passed to someone else? Should we continue to pay the monthly sum of £11.00 to Jeremy Sutcliff who the orig arrangement was made with, although they said that this was no longer acceptable and have been hassling. Which is what instigated the CCA Request.

Hi, I'm back again, followed advice and sent postal order, registered letter to Jeremy Sutcliff and surprise surprise - no reply, last week received a ntice from Fairhalsen Collection group now collecting this debt on behalf of Clydedale bank. Want payment in full or to telephone to speak to them, or they will send someone to the house or arrest wages. jeremy Sutcliff was who the orig arrangement was with, can they just pass this to someone else without informing us ? Do you advise we should answer the letter from Fairhalsen? What about the request to Sutcliff for the orig credit agreement, do we now do this with Fairhalsen ? Help

Thankyou so much for your advice will check out the harassment link and also the templates, once again thanks.

Hi Everyone, this is my first post and I am hoping that can get some useful advice. This is a long story going back almost 6 years, I live in Scotland so dont know if anything is differant to being in England, I split up with my ex about 6 years ago at the time we had a personal loan with Clydedale bank this was in joint names with his being the first on the agreement, when we split up I asked the bank to split the loan down the middle to allow us to pay individually. They refused to do this, I moved out of the marital home, he stayed with the two children. He had other personal debts, he started getting harassment from Jeremy Sutcliffe Solicitors via letters acting on behalf of the bank. He sought advice from a local council money advisory service, they negotiated with jeremy sutcliffe a payment of £10 per month, a pitiful amount but this was what was agreed. He has been getting constant phonecalls and letters from them for the past 6 years, they are very cheeky stating that he spend too much on phone, gas and even on his 12 year old daughter. They send letters stating that as he has failed to reach an agreement and unless he phones them to discuss the issue they will be going for a decree and have also told him that they can take his house (which is mortgaged) even though he has never missed a payment. I have never heard anything from them but this is obviously as they have their claws into him. He is now at the end of his tether, can't sleep, is drinking, he is willing to pay a bit more each month but feels that this will only keep them at bay for a little while and they will start hassling him again. They are looking for £245 per month, I cant remember how much the original loan was for as during the split the original paperwork was lost, but they now say the amount outstanding is £13,500. He has provided them with a financial statement of all that he pays out but they query everything and are basically saying that he is lying. Neither of us are in a position to pay £245 per month. How can he come to a binding arrangement that will get them off his back and not onto mine, can they take to court if he has stuck to the agreement, not in a position to pay off £13,500 in one go. Has anyone heard of Jeremy Sutcliffe are they solicitors or are they a debt collection agency that would have purchsed this debt from Clydesdale bank?