Hi. Thanks for the response. Do you think there would be any value in trying to determine what "proof" they have? I assume an SAR would show this, I'm assuming I was just a name on a list - surely that wouldn't be seen as proof?

I have received a letter from Hillesden stating that their client is "unable to provide a copy of the documents requested under the CCA", however they state that "the default will remain on my file until the debt has been satisifed". Am I correct in the fact that a default can only be issued in respect of a valid regulated agreement (which they don't have). If so does anyone have a letter template available that covers this eventuality and additionally what recourse can I take should they decide to ignore the follow-up letter? Thanks for any help. Great site by the way!! C

Many thanks for the advice, I will keep this thread posted of any developments. I noticed that Ruthbridge had cashed my £1 cheque despite not providing the information I requested though!

Tut tut!

Original debtor was Vanquis and it was a credit card. Just out of curiosity, why should I not sign it?

Hi Is it fair to say that if a DCA cannot (or will not) supply you with your signed credit agreement, as per a Subject Access Request, then they cannot enforce an alleged debt? Also, is it true to say that there are no circumstances under which they don't have to supply the agreement. I am being hassled by Ruthbridge for a debt (the agreement was terminated in December 2006) but I want them to supply the agreement - they will tell me dates but won't supply the original agreement (I'm guessing this is because they don't have it!) Any advice appreciated. Regards C