Thanks for the replies, was guessing that's the case and was looking for confirmation so I can have this in my back pocket! Thanks loads for the help

Awesome, can you help with my question on why they sent a copy of an application form rather than a signed agreement? Thanks

Hi bb39, good to have you subscribed!

Good call, thanks for that. Can you confirm something here.... Out of interest, them sending a copy of the application form stands no ground in court right? The application form means that an application was filled in but does not show anything to do with acceptance of credit i.e. they should have sent a copy of credit agreement with credit limit, interest rates, repayment terms etc... (which the application form clearly does not show)

Just noticed your comment about the £1, should have done that!!! I also added into the letter a comment on them sending an application form rather than a credit agreement as per my request last September but did not expand - keep the focus on the limitation act Will update as soon as I hear from them

Thanks for that, I will send the letter and see what happens...

Thanks for the reply, I will send that letter to them. In effect, they have stole my £1 as it was not used to obtain a true copy of the credit agreement and the application form in my eyes proves nothing?

What are your thoughts on them sending the application form and NOT the agreement showing interest, repayments and credit limit? Would you go for send the statute barred letter or re-request a true copy of the CCA?

In September 2007 I received a letter from 1st Credit with an alleged debt from Bank of Scotland Credit Card. I replied saying I do not acknowledge any debt and asked them to provide: 1. Please supply a true copy of the alleged agreement you refer to under the creditors obligation to supply a copy of the agreement in line with legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) 2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. Today, I received a faxed copy in the post of the application form from 1997 which was signed. Two questions: How do I stand on the limitation act (statute barred), I cannot recall paying anything on this or acknowledging it in the last 6 years Is a copy of the application form good enough (does not contain any payments/repayments info, interest rates or credit limits) Many thanks

Excellent, thanks for clearing that up... Am I right in saying that a DCA cannot instigate legal action against you - has to come from the pursuer/creditor? Very reassuring to find this place and read others experience/get help against these chancers!!

Thanks for clearing that up, sneaky *****. I will send the letter and await a reply. I've been reading other threads and in effect am I asking them for a copy of the original consumer credit agreement of which they have x days to reply or they cannot legally enforce the debt? Thanks for your continued help, very much appreciated!

Hi, thanks for the help. How come not to sign it? Will do, going to keep a complete audit of all of this from now on. Is it true that these companies just have details of a name and then spam loads of different addresses of those names that match? Cheers!

Michael, thanks for that comprehensive letter - exactly my thoughts, provide the evidence or get lost... Do I have to send recorded or anything? Thanks again

Found this site on google and was wondering if someone can help please. I've started getting letters from buchananclark + wells stating they are acting for pursuers called Aktiv Kapital First Investment for a sub £2k debt. I received a letter a few weeks ago which went stright in the bin as I have no idea of what/who the pursuers/creditor is as I dont owe any money to anyone. This second letter is now saying that "despite repeated requests for payment on my overdue debt, their clients sum remains outstanding. Accordingly, documents can now be prepared for the issue of a claim against me in my local court Once judgement or decreee has been granted has been granted, the following can take place: Debt increased to include legal costs Name entered into public records of the court Credit being adversly affected Please call them to stop etc" I've read on this forum not to call them or give them phone numbers. What letter should I send to these people as I have no knowledge of any debts or their client OR the creditor??? Look forward to some help as this is doing my head in... (incidentally when we sorted mortgage, we had hassle with another person with same DOB and name who had gone bankrupt) Thanks in advance