As much as I'm trying to be patient, can anyone offer any advice, as per my update the SD is dated 9th January. Many Thanks Finbar

Thank you Martin, and appreciate your response. I'll be a little patient from now on

Any advice folks would be appreciated. Regards Finbar

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Update. Got in from work 15 mins ago to find a letter from Capquest. Enclosed is a Statutory Demand for bankruptcy dated 9th Jan 2009. Where do I go from here folks as I'm very close to losing it, feeling very low. Your advice would be greatly appreciated on where I go next. Many Thanks. Finbar

Thank you 42man. Regards Finbar.

Quick update on my situation. As I have stopped paying Bryan Carter, I have various phone calls to which I stated I only wish to deal with you by letter. I received about 2 weeks ago a letter that I had stopped paying and to ring them asap. Yesterday I had a letter with bold lettering FINAL NOTICE. The letter outlined in bold that: COURT PROCEEDINGS WILL BE ISSUED ON 19TH NOVEMBER 2008 WITHOUT FURTHER NOTICE TO YOU IF PAYMENTS IS NOT RECEIVED AT OUR OFFICE BEFORE THE ABOVE MENTIONED DATE. It also mentions something about a judgment order preventing me from gaining credit in the future and will remain on the register of judgment debts for a period of 6 years. Are they referring to a CCJ ? As I satisfied the original amount outlined in my original post. Again appreciate the advice and guidance given to me, just wondered if anyone could shed any light on the above and is it just a standard threat. Thanks again. Finbar

Quick update on my predicament. Acted on the excellent advice given above, copy of letter of satisfaction to both Bryan Carter & Co and Capquest, sent recorded delivery. Received from Capquest letter dated 1/10/08 simply saying: Please be advised that your account has been placed on hold. Bryan Carter & Co for some reason are leaving messages for me to contact them asap to chat about my account They also sent me a statement of my account which I did not request as I have a previous copy. Will keep you up-date people as my £30 per mth is due in 2 weeks time to BC, their getting bugger all, I'm sure things will heat up from there. Once again appreciate the help, and just getting Capquest off my back is relieving in its own right. Regards. Finbar

Many thanks people. Will copy the document later and send recorded delivery on Monday to both Bryan Carter & Capquest. Will keep you informed of the reaction I get. Once again thanks. Finbar

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Thank you palomino. I'll do that asap, recorded delivery I presume, and no signature ? Also do I send Capquest the same copy of the letter of satisfaction ? Regards Finbar PS: you mentioned a letter palomino, how should i word it, any suggestions ?

Thanks for the response havinastella. Let me get this clear in my head, my letter of satisfaction is for a CCJ for £200. The outstanding debt originally with Egg is £3588, because Byran Carter/Freds issued a CCJ for this amount and I paid it, theoretically I've cleared the whole amount ? Apologies again for being naive, is this the case ? Also is there a template of something I can incluse with the copy of the letter of satisfaction, worded correctly etc, dont want to trip myself up at this stage. Once again, many thanks. Finbar

Just come in from work and logged on, I'm slightly confused as to what to do next. Firstly I've dug through my paperwork and found my letter of satisfaction from Northampton CC to the tune of £200, although I paid Bryan Carter & Co £227.25 Really appreciate the responses from you guys I really do, but I'm getting confused with abbreviations such as CCA's & SARS, what exactly do I do next considering Bryan Cater & Capquest who I believe are due to serve me with a statutory demand on the 4th Oct. Apologies for sounding naive but I want to do this right and in the correct manner/channels. BTW I havent sent the CCAs, holding tight on what to do next. Thank you once again. Finbar

Really appreciate the replies people, pi**ed off to be fair. Had a mooch through the original paperwork from Fredrickson's. Original balance was £3588.44 I cleared the CCJ of £227.25 back on the 23rd August 2007. Egg said they would accept £ 2372.65 before 1st January 2008, couldnt do this so been paying £30 per/mth since. Utilised the CCA Templates and going to send tomorrow to both DCA's by recoreded post. Oh and no-one's getting paid nowt until I've some confirmation of who exactly owns this debt. Thanks again. Finbar Apologies for the font.

My apologies I didnt make myself clear the CCJ amount was for £227 which I cleared and have a letter of satisfaction from Northampton CC. The dispute is for the remaining balance with Egg (approx £2500) which I set up a monthly arrangement of £30 p/mth to Bryan Carter & Co. Then Capquest turned up..... Having browsed the site, I've decided to CCA both parties even though I've been paying one of them since Aug 2007, is this advisable ? Again help appreciated. Finbar