I've requested the cheque from my bank so that I can get the name of the previous DRA. This should be with me shortly. HFO say that unless I have an actual settlement letter from the previous DRA then the account is not settled. I am hoping that the previous DRA will send me this letter but am not holding my breath. I will keep you posted on any progress. I am expecting another phone call from them tonight but I'm just going to hang up. They are really cheeky though and phone back asking you why you hung up. These people must be desperate for a job and their salary must depend on what they can reclaim.

Once again many thanks. Letters will be in the post tonight.

MorningMany thanks for you help with this matter. Unfortunately, I do not have the settlement letter but once I have received the cashed cheque back from the bank I will try and contact the previous DRA. I am also in the process of sending the letter that was kindly attached. These morons were on the phone to me on Saturday morning telling me that they were now willing to accept £40/mth but I told them to stop contacting me as I was in the process of proving the debt was no longer owed. Can someone please let me know where I can obtain the telephone harassment letter.Many thanks for all your help, it's much appreciated.

Hi, I'm new to this site and would like advice regarding an old Barclaycard account. I received a letter from the DCA with a settlement figure of £225.96 which at the time I could afford to pay so sent a cheque (I'm awaiting a copy of the chq as I can't remember the company's name). HFO are now chasing me for this debt which is now at a staggering 435.80 (NOT INCLUDING THE £255 I'VE ALREADY PAID). They say that unless I have a letter stating that this debt was settled I still have to pay what they say I owe. Is it worth my while chasing the previous DCA. Because of the harrassment I have been receiving from them I agreed to pay £40/mth which they say isn't enough. I've just hung up on them cos they are very arrogant (india based I think) and asked all sorts of personal questions which I refused to answer. Any advice would be much appreciated.