Thanks dx. So if I read this right sending a SAR to Cap 1 will put Red/Lowell on the back burner for now? Probably a redundant question. Thanks

What corners? I understand that different DCA's have different approaches but if you must it's Lowell (now Red) chasing an alleged Capital One debt. As for the company I paid to help me back in 2008, I don't recall the name. Surely the authorised signature box should have a signature in it? How can they add insurance but provide no evidence that I agreed to this?

Some months back a DCA started writing to me demanding payment for accounts that were paid/settled/statute barred/had a payment agreement in place and each time I responded with the CCA template and followed up with a complaint when the time limit was reached. I received acknowledgements that the accounts are closed for all but one. This DCA sent me a wad of paper for Credit Card Company A. The 1st page is a copy of the card's 'ultra short application form', the handwriting and signature on page one are definitely mine and it's dated *blurry text* 2003. The box labelled 'authorised signature' of the card company is blank. Then we get to the statements, and this is where it gets ludicrous; 01/04 Min due £42.35, credit limit £200, new balance £230.82, paid in £0, paid out £0. (I know, but cannot prove I had not defaulted at this date unless I drag dodgy HSBC into this as that was my bank until 2008). 02/2004 Min due £9.34, credit limit £200, new balance £187.02, paid in £0, paid out £0, and so it goes on.. . the balance 03/04 (nothing in or out) is £135.69 and 04/04 is £194.86 with nothing in or out and so it goes on until 28/07/2005 where the credit limit is upped to £600 and the balance becomes £658.12. I n 2007 some payments of £4.63 are made which ties in with me setting up a payment plan with one of *those companies (I panicked) for a few months. On 28/06/2008 payment protection insurance is added. Yes, 5 years later and there's no copy of any signed agreement there and I can see no reason why I would have added insurance to a debt I was battling to pay. On 27/08/2008 the balance is £424.72. Up down up down nothing in or out until 11/2008 Final amount owing is £609.92. Maths has never been my strong subject but I can draw a mean cartoon I know the DCA is yanking my chain, but now this has been passed to their litigious partner company. My questions are; What response can I send that won't put me back on step 1 of the 6 year ladder to having my credit file cleaned up, considering I've lived debt free for 5 years and I've worked hard clear this up? My last payment directly to Credit card A was about 12/2008 so just over 1 year to go. I'm firmly of the opinion that much of the paperwork I was sent is fake. Can anyone suggest a letter to send to the DCA's litigious partner? If I offer a full and final payment of £xx will this show as day one of the default, or will the original default date with the credit card company be the one on record? I did find this post on the forum though, and I like it: I would be happy for your company to receive fair reward for your work and as such am prepared to ensure you receive 100% profit on the amount you have paid for this debt. Subject to suitable evidence being provided of the amount paid for this debt I am prepared to raise funds to cover your actual cost plus the same amount again in full and final settlement of this debt. Suitable evidence would be a copy of the sales document non-redacted of course or a signed statement from a company director would suffice.

The alleged debt being chased by DMS is RBS and they've gone very quiet since my postal order was returned - I know it's only been a week though. I've set Sunday aside to pull out the boxes of paperwork to see what I can find about that account as I'm sure it was satisfied, and nothing shows on Noddle. I'm totally confused about the Barclays thing. What I owed was a small amount and I paid if off in full directly to them, which does show on my credit report. It's like the DCA's have clubbed together to dredge up old stuff I thought was under control, and I'm getting my angry up about it. I have a year to go until all these accounts are statute barred and I can't wait. I'll start the HSBC thing off elsewhere. Thanks for your help

I checked Noddle and there is an entry by Lowells for an account by the bank mentioned above that Arrow and DMS are chasing, and Lowell have marked it as defaulted in 2009. Lowell have never contacted me for this. I have also received two letters from Lowell and First Credit saying I owe Barclays money (2 different account numbers, I only had one Barclay card but paperwork ...with the wind) but Noddle shows, as I knew it would, that Barclays were paid off in 2009. Also, I have a agreement to pay HBSC off through their DCA but HSBC have been marking my file as defaulted each month. Can they do this as they no longer own the debt? I've kept up the agreed payments. Sometimes I think I would be better off living in Zim. I've already had to leave a job because I failed a credit check (being in debt does not make you a thief) and I dunno. Waffle and * as * I've been living credit free for a few years and. .. I don't know... rant over

Having been on the verge of homelessness myself I will be making contact with to see if I can help. I don't socialise well with others but I do have an old sleeping bag. If you join up, and if I deal with a phobia or two and join in too, look out for the really tall woman that doesn't speak much and makes inappropriate jokes when she does

Thanks. You lot are excellent. It appears too be what I thought. I have paid the bank in question within the last 6 years, but I'm reasonably sure they were paid off in full. With regard to checking the CRA file, it scares the * out of me as I've been living credit free since late 2008 and I've been making like an ostrich since. :/ One other question, my partner is wanting to take out a mobile phone contract for me next month. If I start looking at my CRA file will it leave a footprint that can in anyway affect his application? We're at the same address....

Hi CAGland In early August I received a letter from DMS stating 'we have negotiated a range of special discount terms with a number of our clients, and your overdue account may qualify for a discount....' and tells me how to pay. This was the first time I had heard of DMS and the letter states that Arrow is their client who are after money for a credit card. I had a card with the bank named in the letter, but there was no account number in the letter. I have never dealt with Arrow before either. I promptly fired off the CCA letter to DMS and the £1 fee. Now, a month after sending it I received a letter from Arrow with the postal order attached. They say they notice the address in my letter differs to the address they have on record, and can only write to me when my address has been verified. All a bit odd considering their client DMS wrote to me first. My gut feeling is send off the complaint/account in dispute letter to DMS, and ignore Arrow as I have no intention of sending them a copy of a bank statement or bill. What do you guys think I should do?

Excellent! Letter will be in the mail tomorrow There is so much stuff on this site it gets hard to navigate it. Brigadier and Maroondevo now you know where I live, if you're ever in my area let me know and I'll get you a glass of water. Can't afford much else but it's the sentiment that counts right?

The Brigadier has just had his reputation boosted Can we have the delete button where numpty's like me can find it? But back to my question if we may... where to now?

Thank you. I was desperately trying to find delete delete broke out in cold sweats etc

This is the letter I sent. SAR or CCA? This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the original credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit, which is 12 working days. You are reminded that should you fail to comply with my request; the provisions of s.77 will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR). I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

Let's try that file again....

Interesting. Very, very interesting. This DCA sent me a letter saying they had traced me through Experian, gave an address I lived at in 2006 and am I the same person blah blah. This struck me as odd, as I had continued to pay on this account until 2009. Anyway.... I sent an SAR that wasn't responded to within the 12 + 2 days, then I complained. I received a letter saying complaints need to be lodged using their form and ignored it. Today I received the attached letter. Where to now? Ignore and wait, or hit them with some more stuff?[ATTACH=CONFIG]45469[/ATTACH]

Thanks renegadeimp (cool user name btw) I'm not disputing that I owe money, just wondering how they got to the final amount and why their demand is not enforceable. I'm thinking that if they chased for the true figure they would have more chance of seeing the money. It's was a loan for £10k, I paid £204 every month for 3 1/2 years, no insurance on the loan, and now they're demanding just over £15K! I'm hoping for some insight into these peoples callous brains, because with an understanding I can fight my corner better.