Yes, I was a bit slow then (pre-CAG lol:D) It had been my name on the bills coming in for 5 years though!

Hi KK For some reason I thought it was a CC you had. We need someone to check out the Prescribed Terms to see if they are all in place & if the APR,etc are correct. I can see that there is no payment date specified but I'm not sure how important this is. Did they send you a copy of the back of this form with the T & C ?

Can we presume from the above that a) You don't have their contact details now anyway? b) You have several/lots of debts if you are unclear where the money is owed? You'll get the next letter-in-line off the computer threatening fire,flood & probably earthquake befalling you. If A & B are correct then post details of the new letter when it arrives (on your thread;))

Gotta Go KK I'm dropping!Will look at it first thing in the morning with fresh eyes. NN

Dont contact them at all until someone on here has had a look at it for you!!!

Hi PPWelcome to the forum.if you click on the link below & start your own (new) thread everyone will be able to follow your progress & advise.http://www.consumeractiongroup.co.uk/forum/#black-consumer-forums-center In the meantime dont panic! you're in the right place.If you could add some more general details eg type of debt, how long it has been owed & who is chasing you & post a link on here to your new thread.

The forum is v.quiet this evening.I have sent a link to someone who may be able to help next time they log on.In the meantime this may be of interest:http://www.consumeractiongroup.co.uk/forum/residential-commercial-lettings/161340-notice-terminate-fixed-term.html

Have a read here - sound familiar? http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/158604-moorcroft-notice-intended-litigation-new-post.html Shout SNAP if you've got the same letters - even the one asking for you to prepare their court case for them.

Hi KK My first thoughts are that they've had more than enough cash from you already and given you the run-round in the process. If your account with them is 5+ years old it's a fair bet that a one page "credit agreement" isn't going to amount to much. Having sent you a copy they have piled the pressure on before you have time to think about it too much. Can you please scan your "agreement" (are you sure it doesn't say "Application Form" in big letters?) so we can all have a closer look. Please cover personal details first.

Calm down KK. Dont panic.It looks like a pretty standard threatogram. They may recommend court proceedings. I may recommend that Gordon Brown lends me some of that dosh from last week but he may not. I need to read your whole thread & will then get back to you. In the meantime I need to know why you didnt reply to my posts & why you weren't in today when I called round to see you? Exactly! same as they never did.

Does your dad need to keep that number? If only the family & a few friends phone you can get a new number for about 30 quid & have it XD. Your friends in India will soon find a pen then lol. TOP TIP : Try telling the phone company that the last two numbers when reversed are the local taxi company & your father is getting calls at 2am from drunks trying to get a lift home. They might change it for you.

Thanks for your reply UB - that's got me thinking as I'm pretty sure I have never signed anything other than the cheque lol. As I remember it (5 years ago) I simply gave them my name & address and told them what the meter reading was - same as the missus did here. All the problems actually came about because when I phoned up to order a "final reading" prior to moving they told me I wasn't allowed to because the account holder was "Miss so & so" who I had never heard of. After 20 minutes on the mobile trying to convince them it was mine I told them to bill "Miss so & so" then!

Same here. Have started to set the alarm again for morning. Keep picking up the phone to check we haven't been disconnected again:rolleyes:

Do you have a debit card? You can go on Credit Expert & have a 30 day free trial. They will take your card details to verify your address but as long as you cancel the subscription within the 30 days it is free.

bump

Tell them you dont have time for such trivialities as attending County Court as you are too busy but the QC you have instructed will be enquiring why they have your personal data without prior written authority and why they have ignored your Rights under the CCA.

It's always worth a letter to Argos. I don't suppose you bought it with your credit card?

pmsl Yes I remember nPower sign their threatograms off as "pre Court Division". I signed off as "The Chancellor, Pre-Court Defence Team"

I'd go back to the police & report it as suspected stolen. I would have thought that they needed a court order but let the police do the legwork.If you had done the same thing then they would have been round to see you sharpish. If the dealer didn't have the right to sell it then they might have committed some offence. Also ask the police if you are still the registered keeper.

Hi Donna I sent this to similar DCA. Adapt to suit if you like it. Account No: 12345 Dear (DCA) Many thanks for your letter of (DATE) 2008 regarding the above account. Perhaps you could explain why your client is handing my personal data to yourselves when the above account is in legal dispute? (OC) had until (12+2 DATE) 2008 to provide me with the true copy of my original credit Agreement as requested under the Consumer Credit Act 1974. They are now in default of my request. Any account I hold with them is now in legal dispute. Whilst the account remains in dispute, they are not permitted to ask for any payment, nor am I obliged to offer any payment to them. Furthermore, whilst the dispute remains, they are not entitled to charge any interest on the account, nor make any further charges to the account. Additionally, they are not entitled to register any information on this account with any credit reference agency – or any third party. To register information with a credit reference agency or a Debt Collection Agency - they must have written consent from myself to collate and share such information. This consent is given in the form of a signed credit agreement, so until they produce such an agreement, you may not hold any information on me. The requirement for consent to share data is a clear requirement of the Data Protection Act 1998. As you may well be the innocent party in this I am allowing you 7 (working) days to confirm in writing to this address that the case and all information relating to it has been returned to the (OC). Otherwise any such attempts to share my data without my consent will be met with a complaint to the Information Commissioners Office. Yours sincerely Donna You can also send a chaser second letter (diff one obv) to OC regarding not supplying CCA.

Hi Carti - welcome to CAG How many of you are there on the AST? Look out for "Mr Shed" being online.He's the one to advise.

Thanks GM. Will do. Come to think of it the missus says I do that already lol.

You are best starting your own thread then we can keep track of your progress.Go to http://www.consumeractiongroup.co.uk/forum/#consumer-forums-center-consumer then click on new thread. I would SAR them first to have a look at all of the paperwork.

Thanks GM Do I complain that they have failed to carry out their legal obligation to supply under CCA 1974? Is that enough? (I don't want them to keep searching too hard for it lol). p.s. just had a thought as I complained to IC that HFC were passing on my data to their DCA without my permission (via a valid CCA).That must be what they are investigating? DCA have gone quiet as well but never got an acknowledgement from IC.

Sorry.Didn't realise - where did you buy it from Sharpman? What repair are they saying isn't covered? Found this on their website: TomTom Limited Warranty WARRANTOR Non-U.S. and non-Canadian purchases: If you have made your purchase outside the United States and Canada, this Limited Warranty is granted by and this Limitation of Liability is stipulated for the benefit of TomTom International B.V., Rembrandtplein 35, 1017 CT Amsterdam (The Netherlands). WHAT THIS WARRANTY COVERS 1) TomTom International B.V. (“TomTom”) warrants to you that the Hardware will be free from defects in workmanship and materials under normal use (“Defects”) for a period of two (2) years from the date that the Hardware was first purchased by you (“Warranty Period”). During the Warranty Period the Hardware will be repaired or replaced at TomTom’s choice (“Limited Warranty”) without charge to you for either parts or labour. This Limited Warranty covers the replacement of the Hardware only. If the Hardware is repaired after the Warranty Period has expired, the Warranty Period for the repair will expire six (6) months after the date of repair. WHAT THIS WARRANTY DOES NOT COVER 2) The Limited Warranty does not apply to normal wear and tear, does not apply when the Hardware is opened or repaired by someone not authorized by TomTom and does not cover repair or replacement of any Hardware or part thereof damaged by: misuse, moisture, liquids, proximity or exposure to heat and accident, abuse, noncompliance with the instructions supplied with the Hardware, neglect or misapplication. The Limited Warranty does not cover physical damage to the surface of the Hardware. This Limited Warranty does not cover any software that may accompany or be installed on the Hardware. HOW TO MAKE A WARRANTY CLAIM 3) In order to make a claim of a Defect, you must contact TomTom by email during the Warranty Period via TomTom, portable GPS car navigation systems to explain the Defect and to obtain an RMA number (Return Materials Authorization) if necessary. You must return the Hardware during the Warranty Period, along with an explanation of the Defect, to the address provided to you by TomTom. If a defect arises and a valid claim under this Limited Warranty is received by TomTom after the first one hundred and eighty (180) days of the Warranty Period, TomTom is entitled to charge you for any reasonable shipping and handling costs made in connection with the repair or replacement of the Hardware. You must comply with any other return procedures stipulated by TomTom, if any. YOUR LEGAL RIGHTS 4) Some countries may not allow the exclusion or limitation of damages. If any part of this Limited Warranty is held to be invalid or unenforceable, the remainder of the Limited Warranty shall nonetheless remain in full force and effect. 5) This Limited Warranty is the only express warranty made to you and is provided in lieu of any other express warranties or similar obligations (if any) created by any advertising, documentation, packaging, or other communications. 6) Except for the Limited Warranty and to the maximum extent permitted by applicable law, TomTom and its suppliers provide the Hardware “AS IS AND WITH ALL FAULTS”, and hereby disclaim all other warranties and conditions, whether express, implied or statutory, including, but not limited to, any (if any) implied warranties, duties or conditions of satisfactory quality, of fitness for a particular purpose, of reliability or availability, of accuracy or completeness of responses, of results, of workmanlike effort, of lack of viruses, and of reasonable care and skill, all with regard to the Hardware, and the provision of or failure to provide support or other services, information, software, and related content through the Hardware or otherwise arising out of the use of the Hardware. Also, there is no warranty or condition of quiet enjoyment, quiet possession, or non-infringement with regard to the Hardware. This exclusion does not apply to (i) any implied condition as to title and (ii) any implied warranty as to conformity with description. 7) This Limited Warranty does not affect any legal rights under applicable national legislation governing the sale of consumer goods. 8) This Limited Warranty cannot be transferred to any other person. LIMITATION OF LIABILITY 9) Neither TomTom nor its suppliers shall be liable to you or to any third party for any damages either direct, indirect, incidental, consequential or otherwise (including in each case, but not limited to, damages for the inability to use the equipment or access data, loss of data, loss of business, loss of profits, business interruption or the like) arising out of the use of or inability to use the Hardware even if TomTom has been advised of the possibility of such damages. 10) Notwithstanding any damages that you might incur for any reason whatsoever (including, without limitation, all damages referenced herein and all direct or general damages in contract or anything else), the entire liability of TomTom and any of its suppliers shall be limited to the amount actually paid by you for the Hardware. 11) TomTom shall not be liable for (i) any fraud on the part of its employees and/or agents; or (ii) any fraudulent misrepresentation on the part of its employees and/or agents. 12) Notwithstanding the above, neither party’s liability for death or personal injury resulting from its own negligence shall be limited.