Thank you Jasper1965 This point is a life saver. If this is true then SB is already in place coz last transaction for debit card was in July 2004 and for CreditCard it was in Oct 2004, after that I couldn't access either of the accounts. If they come I'll simply send them SB letter. Once again thank you.

Hi unclebulgaria67 I almost forgot why I started this post. I know that DCA will come after me as soon as the assessor will access my file. What I'm asking is that how to negotiate with muppets. Also I misunderstood the 6 year rule for ST, the last time I had any transaction in my account and CC was 10th July 2004 to be precise and by that measure 6 years are over so it is ST. But there is twist coz I acknowledged the debt over the phone in Jan 2008 as I was scared at that time. So tell me as soon as I receive the letters what should I send them in reply. Should it be for ST or "I do not acknowldege this debt" letter. Thank you LW

Ok thank you I will try and post and any results in this post. Thank you LW

Sorry I think I have not made myself clear. I mentioned that some of the money was stolen not all. I extracted rest of money from O/D coz I had nothing in my pocket at that time. It was not a huge amount on O/D - £900 took out and £600 stolen and on CC £300 paid for various and £150 stolen. Total it was just £1,200 rest should have been paid back by NW but I have no inforamtion about it. So I guess NW was right in passing onto DCA but I don't know how mcuh information was passed to DCA as the letter I received in Nov 2007 stated £2,500 for O/D and £2,800 for CC which means lots of interest and charges. LW

Thank you unclebulgaria67 The date I believe was somewhere in October 2004. What I don't understand is that during all these years I have contract phones and rental references checks etc but never been turned down due to poor credit check report. What is the rationale behind this? LW

Dear All I had old debt (O/D & CC) from NatWest since 2004 which should have been sorted out as some of the money extracted was stolen from the account and credit card which I properly reported at that time to police and bank but it never happened. I went away for 6 months in July 2004 and came back in Jan 2005 and my account and CC were frozen altogether. At that time I had already opened an account with Halifax so I didn't damn care about NW (which I should have). In Nov 2007 I applied to Experian for my credit check but their website said there is a problem and I couldn't get my file. Interestingly (not!) few days later I started receiving letters from DCA (Teleograph I guess) about the NW debts which I totally ignored till I received few more from some other company (must be passed to them). I got scared and called them and told them about the money being stolen and said that I can only pay £xxx amount of money but as you would expect they were deaf from that point on. Anyway I came across this website and thanks to CAG I never bothered to contact them again and moved house due to my new job. Now, I'm in the process of buying my first home under shared ownership scheme and have been scheduled to Financial Assessment as a procedure for mortgage. I know that assessor will access my credit report but what I also know that as soon as the guy will access my file, these bastards (DCA) will come back. I should be ready for the attack and back again on this website for some help and support. I now earn OK and want to pay back some money like 30% but don't have experience in negotiating with these people. LW (This website has grown since I was last visited and very happy to see that its helping people like me.)

Hi...can you post it here that £25 charge letter as I'm preparing documents for my battle

Hi PossVox does it matter if its for credit card or overdraft as I have both and also vodafone as well (long story will start my own thread) can we CCA for all three?

I'm reading your thread since start and enjoyed very much. I've bit of a problem with Capquest and was scared too much...lost sleep but then found CAG and my life changed since I changed my address never heard from them...I guess its just a matter for them to find my new place...but this time I'm ready to fight back.... keep it up...

Hi everyone......I hope everyone coming here will find their solutions. Also, I notied that CAG has been sued. I would like to donate some money to fight off for the cause. Anyone else interested?