I got another phone call from them on Monday this time i told them the account is in dispute as i had requested a CCA and to date its never arrived. They then told me they had my CCA there so i told them to send it to me and hung up on them. I have now received a letter from them demanding i contact them again or face possible legal action. Should this have been passed to them by Lloyd's/1st credit while its in dispute and what should i do now?

I received a phone call yesterday from Apex telling me a letter was in the post and Ive to phone them as soon as it arrives so it looks like 1st credit have passed it to Apex despite never sending me my CCA. I asked her what the letter was about but she wouldn't tell me. Is this normal?

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OK. Thanks.

My 12+2 days ended today and apart from the letter confirming they had received my CCA i have had nothing else. Could someone tell me what happens now? Thanks

I sent it on the 30th so i think it has about a week and a half still to go not counting weekends.

I was just going by what they put on the letter they sent. If they send me the agreement then they expect me to contact them and arrange settlement of the debt. Should I send a S.A.R just now or wait and see what happens with the CCA? Thanks

Sorry, that's my fault. I typed the wrong number. Here's the letter. What are you doing about yours if you don't mind me asking?

If I make S.A.R request then wont they expect full payment to clear the account rather than put me on some sort of payment plan?

I received a letter back from them today after sending a CCA. This is what it says. We refer to your recent communication requesting a copy of a relevant agreement. The document you have requested is retained by the client. We will therefore advise them of your request and arrange for the document to be sent as soon as possible. Should your request also include the below document, please be advised of the following. Deeds of assignment – we would refer you to section 136 of the law and property act 1975 which provides that the debtor is notified of the assignment of the debt in writing and not a copy of the deed itself. Copy statements – there is a charge of £10 for this information. On receipt of the copy agreement we would expect you to contact this office immediately to arrange settlement of this debt. I'm baffled as to what this means. HELP.

I sent the CCA yesterday so its a waiting game now. What happens if they send the agreement and still wont accept my payment offer? Will it be court then?

Thanks all for the help. To answer a couple of questions. the loan was taken out around four years ago and is unsecured. My £30 payment has not been paid for two months now as the bank took me off the short term payment plan and i was to be moved to a long term plan with an outside agency as they put it. I now have no idea who I've to make my payments to anymore. All i want to do is get the thing sorted so i can make my monthly payment again but 1st don't seem interested in monthly payments only full payments. The solicitor company is LCS as someone rightly said. I will post a CCA letter today. Is there anything else i can do or am i stuck now until they do something?

I have a bank loan that was on lowered payments for a while two months ago they wrote saying if payments couldn’t be put up again the account would be handed to an outside agency so I could be put on a long term payment plan. That was fine until I got a phone call from 1st credit asking all sorts of questions which I answered (never had dealings with these people before) assuming he was about to set up a payment plan but at the end of the conversation he said I would be taken to court unless I pay the whole amount (£3500) within two weeks. I told him I couldn’t pay it all and the most I could pay was £30 per month but he wasn’t interested. I got another letter yesterday from a solicitor company saying they were acting on behalf of 1st credit and if I didn’t pay the full amount in fourteen days then I will be taken to court. Any advice as to what I can do or what I should expect next? p.s. I am in Scotland Thanks in advance