I recieved a letter from Irwin Mitchell Solicitors (acting on behalf of Intrium Justitia) dated 09/01/09 then a letter dated 13/01/09 from Apex in addition a missed phone call from Apex regarding a Natwest Cards debt of £820, I have yet to CCA IJ regarding this account, question: Who do I CCA? What do I send to whom? UPDATE on my other halfs issues, MBNA still have not sent her CCA's, not had any phone calls.

I sent Capquest a CCA request on 1st December, which they recieved on 2nd December, I've had two peices of paperwork, but nothing that represents a CCA, what now? I know about the 12 + 2 for the request, what comes after that?

Thank you SH for your help, me and HM do appreiciate it I will do the letters before I go home tonight & will take them to the Post Office in the morning. DC

Thank you SH. The £1 a month BC is unfortunately by Direct Debit, if this is a problem what can be done about it? Do I stop this DD? I will CCA MBNA & Bryan Carter re: these accounts. HM had a credit card with Natwest, total £1,200 (Under care of Bryan Carter), she also had a credit card with Alliance and Leicester for £2,000 (MBNA). I only have access to the Internet at the weekends as I live with HM about a mile away and cannot afford the internet. My home telephone is ex-directory, so far BT choose to Refuse appears to be working as MBNA have had several of their numbers blocked, will change number if need be, as for Bryan Carter they only have my mobile number. If one of these numpties phone me, they get the ususaul "sorry, I won't divulge personal information over the phone, goodbye". Another question, what can be done should you be unlucky to get a doorstep visit from a DCA (If we are home as I spend most of my time with HM at hospital or doing my ususal caring duties), apart from telling them to go away nicely and telephoning the police? DC

Will do that on Monday. As for logging the calls, I have already started, with a view to make a harrasement complaint against MBNA. I have read on here about Bryan Carter Sols, we have been paying them £1 a month for the last 3 months, they haven't phoned for a while. Their tune changed very quickly when I pointed out to them about HM's disability. MBNA could not give a monkeys.

The debts are for credit cards and are about 3 years old or there about. She is making payments to BC of £1 a month Offered the same ammount to MBNA, still awaiting a reply. It is very hard to stop her phoning the DCAs up and having a slanging match with them, I have told her on many occasions "DO NOT TALK TO THESE PEOPLE OVER THE PHONE", like I said very hard to calm her after she gets one of these letters. HM (My fiancee) has Aspergers Syndrome which is a form of Autism, which makes things even more trickier.

Thank You. My young lady used to telephoned between 5 & 8 times a day for months by MBNA & Bryan Carter/Frediricksons until she changed her mobile number & I contacted BT for the choose to refuse, we still get the odd call every week, I get the phone and if its the DCA I advise them that all correspondence should be in writing only. If they do get hold of her, they certainly do a job on her, after one such incident, I called Bryan Carter Solicitors and tore into them, explaining that she had A.S, I have never before had someone give me more apologies in the space of 2 minutes, we are currently paying them £1 a month for one account The second account is with MBNA, they are a pain in the backside, they are very rude to her or me if they phone, if they ask for her & I tell them that 'all correspondence must be in writing...', they get agressive, very agressive, its very hard to hold your temper with idiots like that. What else can be done about these phone calls?

Hi there everyone, I've been looking at this site for a couple of months and have found it very helpful. My fiancee has Aspergers Syndrome (form of Autism) and has been getting into a state over DCA's phoning her non-stop until recently, now they have near enough stopped altogether thanks to advice I got from this site. She still gets nasty letters in the post etc and starts to panick when they state 'home visits' 'court action if you don't contact .... within 7 days...', she still makes the mistake of phoning them and getting very upset after a few minutes, then I step in and cut the call, what else can I do to help her?