Many thanks 42man, I will keep you upto date as soon as is possible as there could be some interesting devopments, can't say more.

What & how old is this alleged debt?

I take it, you've told 'em to b*g off?

Should anyone turn up, just tell them to go away with words of your own choosing, I would also send them the do not visit letter thats in the consumer debt collection library (hope thats right, as its been a long day), also keep one handy near the door. If they refuse to go, call the police. Withe CCA, when you do the letter DO NOT sign it, send recorded delivery, they then have 12 working days + 2 to send it to you, if/when they fail you then send them the account in dispute letter (in the consumer debt library). Hope this helps a little.

If there was an award for Stupidest DCA, Advantis would strongly be in the running for 1st position.

Another UPDATE!!! Had yet another letter from Advantis on Thursday identical to the one in Post 14. I have sent all correspondence except this letter to OFT/TS. I'm sure these idiots are on a suicide mission. Do I still ignore them?

Or trolley collectors for their local supermarket.

Just a thought, do Capquest buy debts or just act as agents for the banks/credit card companies?

What a crying shame, I won't lose any sleep over this....hahahahahahah!!!

May be worth sending a S.A.R Here's the link (I hope it works) www.consumerforums.com/resources/templates-library/86-debtcollectors/576-subject-access-request-debt-a-dca

A Subject Access Request (S.A.R) would cover this, it would cost you £10, send it to the original creditor, whatever you do don't sign the letter. As for the phone calls, if they phone refuse to go through security with them or just put the phone down, there is a letter regarding telephone calls on this forum somewhere. Please Crazyfox, stop ringing them.

Don't ring them, they tell many lies & they're bullies. I see that you've CCA-d them, what was the debt for?

Didn't quote work as I wanted. If you look at the 2005 agreements, it is the second one under 2005 with the T & C under, all we got was that one page with a piece of paper with a pair of barcodes etc & it was all either unreadable or barely. Sorry I can't be more helpful.

Thanks all. Unfortunatley I don't have a working digital camera on me at the moment, however I was having a look through the Debt Collection library & was taking a look at the CCA agreements & Application forms & stumbled accross one that is identical to the one recieved today, it would appear to be page 1 here is the link if I can do it: www.consumerforums.com/resources/templates-library/86-debt-collectors/609-mbna-agreementsapplication-forms Plus a piece of paper with two what looks like barcodes that has what one would assume is the credit limit, it doesn't look like its part of the first page if you know what I mean.

Missed a bit: The debt is known as a "chose in action". As the original lender holds the legal right to collect the debt, they also hold the right to assign their rights to LINK Financial. ALthought the lender does not need your permission to do this. Section 136 of the Law of Property Act 1925 requires, in order for there to be a legal assignment, that notice of assignment should be given to you in writing. This was sent to you on the ** April 2008. No NoA was recieved in April 2008, only letters & phonecalls demanding money or threateneing legal action. April this year they sent OH a letter demanding full balance, so I CCA'd them, sent the Account in dispute letter a month later and this is whate we got today.

This morning my OH got two letters from LINK Financial regarding her MBNA Credit Card, this was taken out in July 2005. First letter was a I & E Sheet they want filling in (Fat Chance). The second was like a complaint review & conclusion sheet with what they say is her CCA (We don't have a scanner). First the CCA, it is a sheet with OH's name & address it has Credit Card Agreement regulated by the Consumer Credit Act 1974, it also has paragraphs on it, which are not or barely readable, the paragraphs headers I can make out: 1 Key financial information, 2 Other financial information & 3 Key information. After that it has a box going on about (Only bold headers are legible) missing payments, about your rights, theft, loss or misuse of credit card & your right to cancel. Then it has another box with OH's signature & date. Next bit on this sheet is another box unsigned which I think is about Payment Protection, bearly legible then a section about Data Protection. In the box with OH's name in there is another name handwritten in it Jonathon B, elsewhere on this document it hase I believe the date it was recieved along with another 6 digit no(number not recognised), it also has LINK's reference number handwritten underneath all this, then under that what may be the account number again handwritten. On sheet 2, it is a sheet with a couple of barcodes one on the top left handside with a credit limit & a reference no (which is completely alien to me) then further down just under a third of the way down on the right hand side is another barcode & at the very bottom is the letters JO (someones name?) other than that it is just a blank piece of paper with these bits on. Now onto the complaint review & conclusion. Date Recieved: Log No: **** Point Raised: 'You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account' Response: Please find enclosed a copy of your agreement. We have therefore complied with our obligation under the Consumer Credit Act 1974 and do not consider your account to be in dispute. Please also be aware it is not within the Finacial Ombudsman Service's remit to conclude if a credit agreement is enforceable or not. Point Raised: ' Please note you may consider this letter as a statutory notice under section 10 of the Data Protection Act 1998 to cease processing my data in relation to this account with immediate effect' Response: Your MBNA Europe Bank Limited account was assigned to LINK Finacial in March 2008. The responsibility to manage the information placed with Credit Reference Agencies by MBNA Europe Bank limited was laso passed at the time of purchase. Therefor we do not believe we are in breach of our responsibilities under the act with regards to your details/ We maintain the information we are reporting to the Credit Reference Agencies is an accurate reflection of how the account has been paid and therefor we will not be removing this default. Overal Response: We maintain we have not breached the guidlines that govern our organisation and will therefore be taking no further action with regards to your complaint at this time. Please fill in and return the personal buget planner, which has been sent to you separately today so an affordable repayment plan can be organised. Response Date: ** ****** 2009 Sorry this is a long thread as we have no Scanner, so I've had to describe the CCA & type in this other stuff (Complaint Review etc). What would need to be done next? Do you think this agreement is enforceable (I have my doubts), any help is appreciated.

"God help us if the social services get hold of this- my daughter has Aspergers & at present gets DLA however according to SS she doesn't meet their criteria for help so in effect she wouldn't get anything!!!" posted by bambinia. Agree 100% on this, my partner has Aspergers Syndrome amongst other things & she doen't meet Social Services criteria, I also care for her 24/7 & get Carers Allowance. When she did have SS involved in her care a good few years ago, they were worst than useless, when she needed them most they effectively desserted her:mad:, so giving care funds or what ever to SS, they must be mad, they couldn't arrange & slosh up in the local brewery (thats being polite). If DLA & AA are to be taken away, what the hell are people who have DLA/AA supposed to live on? Signing petition! Rant over!!!:mad:

Good luck HS with Equidebt Ltd. I doubt you will get anything back except 'we are still waiting for documents...etc' and ' .....passing account back....etc' At the moment we are banging our heads against the wall with this saga with Equidebt & advantis, all correspondence is being sent off to the Office of Fair Trading in the morning as I have another complaint which OFT contacted me over regarding HFO, so I asked if I could make a compalint about these idiots too, my contact told me that would not be a problem.

Am now in the process of copying all letters from Equidebt & Advantis recieved & all letter written to them being printed off & will now be sent to the OFT tomorrow.

UPDATE: We sent a letter to Advantis on Monday basically refering them to the Bemused Letter we sent them dated June 6th, we enclosed a copy for their reference, had a letter back this morning, this is what is in it: ********************************************************** Date: 29th Jluy 2009 Dear Miss **** THank you for your letter sent recorded delivery, recieved on the 29th July. We understand that you are currently in dispute with Equidebt Ltd, however we write to inform you that this account has now been passed to ourselves at Advantis Credit Ltd. We are able to request a copy of the agreement from IKANO on your behalf, however we must inform you that there may be upto a £10 charge for this document. If you do require this further documentation please send make a cheque for this amount, made payable to ourselves at Advantis Credit, and we will be happy to request this document. If you have any further queries please do not hesitate to contact us on 0845 ** ** *** Yours Sincerely ********************************************************** Firstly what are they thinking off? Are they really that stupid? Secondly £10 for a CCA request? Think not, haven't even asked them for SAR request yet. Thirdly, who the hell are they trying to kid, write them a cheque for £10.:evil:. I bet the cheque for £10 would be put against this so-called debt. If they think they are getting a cheque for £10 out of my Missus they can take a hike......! Rant over. Any help would very appreciated. DC:-?

These clwns have no right to money from you at all, don't pay them, if they ring just put the phone down on them, it may be a good idea to send them the Telephone Harrasment letter (LINK please), do NOT sign it & send recorded delivery. If its a credit card or loan, CCA them if you haven't already done so. What ever you do don't speak to these pondlife over the phone, if they phone, just put the phone down on them.

I know, I've seen many DCA letters with lots of mays/coulds/mights etc, I am a little concerned about this one as this account is in dispute with EquiDebt & has been for a while now, I'm just surprised, that after the bemused letter they are still stupid enough to try & collect, first of all I/We don't want any of their threat mo.......sorry field agents calling at our premises (unlikely I know), secondly would a little word if OFTs ear do any good & also a good stiff letter telling them in no uncertain terms of whats what, at the moment I think the effort in writing to them may be worth it if it gets them to go & crawl back under their stone.

UDATE: OH had a letter from Advantis this morning, bear in mind we sent them the bemused letter a few weeks ago, this is what is in todays letter: ****************************************************** Dated: 23rd July 2009 Dear Miss **** REMINDER We appreciate that you may be experiencing financial difficulties at this time however it is important that you contact us to help resolve this matter. If you are unable to repay the balance in full immediately we strongly advise that you call us now on 0845 ******* where one of our specialist account managers will be able to discuss your repayment options with you. Failure to contact us within 10 days from the date of this letter will result in further debt recovery action being undertaken. This may increase the outstanding debt and may affect your ability to obtain credit in the future. This action may include: > Your account being passed to our legal partners to commence legal action to recover this debt. > An agent being instructed to visit your premises to collect the debt personally. If you believe that you may not be liable for this outstanding amount it is important that you contact us immediately. Yours Sincerely ******************************************************* Not very bright are these muppets? Considering this alleged debt is in serious dispute with equidebt. Question: What would be the best letter to send these cretins now? Have already sent the bemuses letter as stated earlier, any help appreciated.

UPDATE: Little slow on updating this, recieved a letter dated 20th June stating: Thanks for your letter with regards to the outstanding balance on your account. I can confirm to you that there is currently nothing outstanding on your account with ourselves. You can be confident that the account is now clear and closed. Trust this has been helpful. Kind regards. Bye bye NPower I think.

Have you sent the account in dispute letter? (Can someone put the link to the letter in please!). They have no legal right to any information, so tell them to take a jump, only a County Court has the power to information to your finances not them. Also report them to OFT/TS. Hope this helps somewhat.