Hi there,since my last entry I have received a response to my CCA request from Jacamo(Reliable Collections) - it seems to be a list of transactions, the date when I opened the account Oct 2007 and a photocopy of an application form with no signature and the address box filled in with an address that I didnt even live at until sept 2009.I did try to make payments monthly for a short while after I moved but I lost my paperwork and account no. etc and it wasnt until last month that they contacted me with considerable larger balance. In the view of what has happened to Canniepay doyou think I should still pursue this - i dont want to end up in court but they are not reasonable when it comes to affordable monthly payments. Is my only choice to go to court to arrange payments I can afford. Any advice?

thanks debt4get i will cca them but how do I stand legally does the law not treat agreements after april 2007 differently if they go to court - can anyone clarify? C-h-e-e-r-s!

Thanks everyone Royal mail track and trace confirmed letter delivered 30th june...watch this space

Hi I hope you don't mind me tagging on the end of your thread but I have just had dealingswith reliable collections.. Briefly, I believe I opended a jacamo account post april 2007 (not sure!) and got into difficulty. I started a payment plan with reliable and paid regularly for about 6 months. I then moved and lost all paperwork. I forgot all about this account until today when I received a statement. The balance has gone from £570 to £1019. I broke the golden rule and called them. These charges are default charges and interest!! and if I wanted to make another arrangement I would need to pay the minimum of £380 today - fat chance.. I need advice -does unenforceable ccas apply to this account post april 2007 - I know this account was opened by internet. Shall I just make an offer of payment requesting freeze of charges. Any suggestions of my next step?

I can't tell you how grateful I am to know there is support there when I need it. I will take the advice of cerberusalert and have the letters in the post for monday - I would love to know what they say when they receive it. I shall mark it "payment enclosed" just to make sure they open it!! I will keep you updated.

HELP!! I hope someone can give me some advice. Some Background.. I have £890 outstanding debt with JD Williams, due to dire circumstances i had to reduce my income Oct 2008 and decided to CCA JD. After a bit of paperwork, JD Williams wrote "once you confirm that you do not intend making any further payment we will cease all collections activity", threatening to record a default on my file. I thought that was the end of it.. until Westcot wrote to me March 2009 threatening legal action blah,blah..I CCA them andreceived notifiction May 2009 that the account had been returned to JD Williams. Good, I thought.. until recently when i received a couple of standard letters from Fredrickson International "notification of debt - call now" etc. Silly me, ignored these letters, which haven't even got my name spelt correctly. This week, I have received a offical looking letter from Bryan Carter Solicitors LLP. I have read previous posts and realise they are fond of CCJs using the online method. I may have been lucky in that they have only warned of litigation and not issued the summons yet. I want advice on my next step -I thought to CCA both carter and fredrickson and point out that all action will be defended. Even though that is the last thing I really want to do. Will CCA requests be enough to hold any action -JD Williams seemed to have realised back in 2008 that this account was unenforcable - did they not pass that information on to the DCAs Sorry to waffle on..I would be most grateful :confused:to hear your views

Thanks all for your help Sorry seaside-lady, where have you moved my thread to? and how can I find it?

Thank you both for taking the time to reply. I get frightened with lots of legal terms but i'm sure i'll pick it up. As i understand it - i have withdrawn permission for my data to be processed. Can they do this anyway if it is printed in the catalogue T & Cs? Whether it is ethical or not, I feel i have paid enough in the past to this catalogue - mainly in interest - unfortunately my financial position at the moment does not really give me any choice. The choice is to challenge my "credit agreements" or go bankrupt. I have three other debts i am also challenging - no CCas yet! I obviously do not get into trouble and i hope with all your support i can improve my life. Many thanks

i have found this site so enlightening that i have decided to take the plunge and post a thread. Please bear with me! I need advice on one of my catalogues, Studio Cards. I issued a CCA request September,and received a blank unsigned copy of the credit agreement. I know from your site this probably means they have no original agreement. I waited for the 12 days to expire and issued a default notice to them but it is the reply i received that i need advice on. In this letter they admit the agreement would be unenforceable in court BUT "We are satisfied upon discussion with the Information Commissioners Office that this debt can be registered as a default with credit reference agencies" AND "With regards to the Data Protection Act the declaration on the information pages in the catalogue which you made your inital order from state; We may search and share files of credit reference agencies...and we share the informationand the conduct of your account with the relevant third parties"etc Shall I stick to my guns?:?