Well, I've fired off a CCA to Carter today, hope it'll be with him by Monday morning. As for RED, got another letter from them today, offering 50% off the debt I allegedly owe. Nice offer, but why would I pay 50% extra on something that's already paid off? I'm not going to stress over these vultures anyway. On a side note, the letter from BC does say that payment can be made by debit card, and in some instances credit card. Is that latter part allowed to be said? I thought that was against their remit to suggest further lending to pay off a debt?

That should be the standard pre-xmas CCJ threat-o-gram template, no?

Got a couple of things on the go at the moment. First one being RED DCS asking for over £1k on a debt for a card that was paid off in full over 7 years ago. So I braved a phone call to them to let them know of this fact. The gent on the phone said he would look into this and see if he could find a copy agreement (No CCA request needed there then). I think personally whomever sold this debt to them was flogging a dead horse. Anyway, not worried about that one at all. My Credit file is clean of that anyway. But this is where I'm a little flustered. Having completely ignoring Lowell & Fredrickson for some time now for a debt on a Capital One card for almost 6 years (6 years exactly occurs on the 16th) as I know there is no way they can prove the debt and all threats of court action have been empty and hollow. But about 2 weeks ago I got a letter from Bryan Carter regarding the same debt with the lowell ref. Then I get a Fredrickson letter, same thing. Then lastly, yesterday I get a letter date the 7th giving me 7 days (by the 14th) to pay the full amount or they'll commence court action. Now this has been threatened before, but the wording was always might, may and could. Not will. I can type the full letter if need be, but I have had no time to fire off a CCA to Mr. Carter and co because of work. Do I continue to ignore knowing it's statue barred by the 16th or get a CCA off on Saturday with the hope it'll reach them first thing monday before they can even print court letters? I'm a bit worried about this one, as this is the last adverse debt my credit file has and I really would like it to remain unblemished from now on. Many thanks in advance

Thanks ScabHunter, That letter will be going Recorded tomorrow. (well today from time of post!) Hopefully like you say, just templated letters. What I do like is the fact that on my credit file, there is no reference to the debt with Wurst Crudit. However, the Lloyds account is noted as Satisfied. So when applying for credit in the future, Wurst Crudit won't be ruining it for me.

Here we are, over the 12+2 days and ho hum, nothing from 1st Credit! I expected as much and to be honest, the last phone call was very... timid! It went something along the lines of: Me: Hello? 1st: Hello, can I speak to Mr. (my name)? Me: Who's calling? 1st: It's (xxxx) from 1st Credit, is that Mr. (my name)? Me: Yes, but before we go any further, during the last conversation we had I requested that all contact be via letter only. 1st: So you would like us to not call you then? Me: Yes please. 1st: Okay then. Me: So if you would kindly remove all my numbers from your systems I would be greatful. 1st: Okay Mr. (my name), thank you. Me: Bye then. 1st: Bye. She didn't even ask me for details or anything, it was as if she'd just given up? Anyway, so now where do I stand on the non appearance of a CCA? I assume it's another letter to them stating they've now got 30 days to rectify this, or they'll be breaking laws! Any ideas what template, or a really strongly worded one is? I'd love to send them one that gets a rather comical reply! Thanks in advance ^_^

That statement says nothing about operational profits before tax, let alone after tax. So it begs the question; the £2.3 billion in debt their 'recovering' cost them how much? I bet it's more than £50.8 million!

I left a review, I felt it was very apt. I found Bryan Carter to be extremely helpful... His constant letters demanding payment for a debt I didn't owe prompted me to find a site called Consumer Action Group (www.consumeractiongroup.co.uk). This has enabled me to become enpowered and know my rights when it comes to underhanded tactics employed by some debt collection agencies and their legal advisors. So if it wasn't for the way both his firm and those he represents broke the law in many ways. I would never have found CAG. So Thank you Bryan, you have been inspiration to hundreds, no thousands, no, tens of thousands of people. You think it'll get posted? I did thank him and go to great lengths to be... nice. Which is more than he has ever done for his 'customers'

Yeah, let's just say he's great at work and works til he drops. But when it comes to matters of personal interest, he's a bit... well, lazy. Anyway, I'll get them printed off for him tonight. Thanks for your quick reply.

Hi, I have an ongoing dispute with 1st Credit at the moment, but that's a completely different subject matter with it's own thread. Anyway, since coming to CAG and reading a lot... I really mean A LOT. I spend hours on here gathing info and reading advice given unto others. So I am finding myself growing in confidence giving the same advice to family and friends. Which brings me to the subject at hand; A work friend of mine has been receiving DCA letters about an alleged debt to a catalogue taken out earlier this year. However, he never took a catalogue out. So this is a simple case of fraud. But here's the crux of it... It may be his own Mother who has done this. Basically, he has spoken to her about it and she has said she'll ring the company concerned about it all, write letters, etc... But no correspondance has said anything about conversatons or letters received. Also, his signature (if anything were to be signed) is very easy to forge as it's just basically a normal written name. So what I've advised is for him to send a CCA request, followed by a SAR, as additional costs have been added. He's kind of reluctant, as he hates to do anything that requires that much effort. Now I'm willing to print these letters for him and all he needs to do is send them off and pay for the relevent costs, but is this the right advice. On a side note, the current DCA/Solicitor is Bryan Carter's. Thanks

I saw it and I too was thinking to myself how the lady dealing with Worst Credit should have told them to go stuff themselves. I wonder if she had to tell them they were being recorded, subject to a making or a TV documentery and that it may be used and they still behaved like total idiots on the other end. Lieing they had not reveived something that had been sent via e-mail and then saying that alone was not enough, even though before it was agreed that it would be. I can't help but wonder if this is the reason they've gone all quiet on me?

As long as you are paying them what you can afford, there is not much they can do. As you say, they have yet to contact you by letter. I feel the DCA's in this land are getting a bit worried about their own financial standing. Taking on so much defaulted debt from lenders, but with a lot of it being unenforceable (I think original lenders know this at time of sale). They're applying more and more pressure to people, but in return, breaking many laws. So fear not, you're not alone and from what I've seen on these forums. Everyone supports one another. You're in good company.

I see what you're saying. Thing is, I tend to destroy documents over 2 years old (unless they're majorly important). I've checked through old files and in my drawers and have thus far come up blank. So it's either been destroyed, or (most likely) it was never sent. SHOULD I ask for a copy of it to be sent, or just see how the CCA request pans out?

This Deed of Assignment they refer to, this is a document saying they are the holders of the debt, correct? You say I should have received one from them and from the original creditor? I don't recall ever receiving something like that from them or the original creditor. What if they just decided to make one up? I mean, all it sounds like is a document they could type up at any time and put an older date on, from both parties invloved really. Now that's got me concerned. On a side note, I have been waiting for a call from 1st Credit as they have been doing so since receiving my CCA request on the 5th of this month (except the w/end). But today... no call? I was hoping they'd call, as I wanted to try one of the listed methods of winding up the DCA agent on the phone!

My advice (although I'm very inexperienced at this stuff right now, but learning a lot from these forums. I would advise you contact them again, asking for a SRA. Which is basically a letter asking for a statment of the account. Any charges and/or payments made to the account. From there you can see any unlawful charges made to the account and counterclaim should to DCA actually carry out their threat of taking you to court. Also, you could offer a payment that you can actually afford and start making those payments with a letter dated with the commencement date of those payments. Again, if it goes to court they'll see you're doing your best to clear the debt, the DCA are being greedy and will more than likely tell the DCA to like it or lump it. More experienced folk on here will more then likely correct me if I'm wrong, and I expect I may be on a point or two, but just trying to help... Im guess! Best of luck with this.

In all honesty, I'm not entirely certain. I know that at some stage, I wrote to a few creditors some years ago to make arrangements for payments. All were accepted and some paid in full. But that's what makes me wonder about the Capital One debt to Lowell's/RED. I think it may have been in late 2002 or early 2003. Any answers to my questions from before?

Thanks for that, will be sending one of those off on Monday. However, I have had a reply from 1st Credit regarding my CCA request. After reading other replies from other CAGer's here (learn that already!!), it differs somewhat. This is the main body of the text, no point writing the rest is there? ----------------------------------------------------------------------- REQUEST FOR COPY AGREEEMENT We refer to your recent communication requesting a copy of the relevant agreement. The document you have requested is retained by our client. We will therefore advise them of your request and arrange for the document to be sent to you as soon as possible. Should your request also include the below documents, please be advised of the following: Deed of Assignment- we would refer you to section 136 of the Law of Property Act 1925 which provides that the debtor is notified of the assignment of the debt in writing and not a copy of the Deed itself. Copy statements--there is a charge of £10.00 for this information. On receipt of the copy agreement we would expect you to contact this office immediately to arrange settlement of the debt. Please call this office should you wish to discuss this matter. Yours faithfully (squiggle) ADMINISTRATION DEPARTMENT ----------------------------------------------------------------------- What does this all mean, it's all a bit... well 'blah' to me? Where do I stand with this section 136 of the Law of Property Act 1925? I wasn't worried that much before, but this letter seems a bit more... legal? I thank you for your help, I know this is your personal time you are taking to answer my questions. Oh and a quickie from my previous post. Are 1st Credit allowed to search and leave a trace of it on my Credit File, not stating what the search was for, without my express permission to do so?

Just a quick question. I am still receiving calls (not answering at the moment) on my Mobile at around the same time each day. They still leave the same stupidly scripted message. Now what I need to know is this, now they have my CCA request, are they still allowed to call to persue this debt, even though it is now in serious dispute? Because I am quite inclined to answer the call next time and tell them to leave me be for now. They're actually calling my mobile, which is really irritating.

Yeah, my username is bit... weird huh!? Anyway, I knew waiting for the outcome of my CCA would be the main thing. As for the letters, some of the age old ones have already been destroyed. I only have stuff for the last few months. Quite used to photobucket, I used to make what's known as graphical signatures and store them there. Does anyone know if the other debt for Lowell is considered Statue Barred? As far as I'm aware, no payment (other than what I thought I cleared) has been made for all that time.

Hello to all, I'm new to these forums, in terms of registering. I did read some invaluable advice on here recently and have since started the ball rolling with 1st Credit on a really old debt. The jist of it is this; back in April 2002 I took out a loan with Lloyds TSB whilst I was fit & healthy. All was fine for a few months, but then I was struck with a long term illness and was unable to make payments. So I did the usual, buried my head in the sand hoping for it to all go away... and it did... somewhat. I never replied to any DCA's or 'supposed' solicitor letters. In the end I heard nothing for a long while. Until quite recently, they begun to call my home phone and somebody at home mistakingly gave them my works number. They called and I spoke to a very rude agent who threatened all sorts of stuff. So under duress I agreed to try and make full payment available in 3 days (in compliance with their request). After those 3 days passed, they called again and this time a somewhat sympathetic guy spoke to me. I said I could not pay the full outstanding balance and asked if an arrangement could be met, he declined but offered a decreased full and final settlement figure. I agreed to this and said I would pay at the end of October, this way I may have had time to get money (as I was selling a few personal items on eBay at the time). That's when I came accross this site and read some posts and thought to myself... hang on a second. They are chasing me after what seems to be a long time. Asking for full payment and not entering into an arrangement and being overly aggressive. Then I begun to dig deeper and decided to fire off a CCA request about 2 days ago. That night when I got home I registered on Credit Expert and decided to look at my Credit Report. I am shocked at what I found, my Lloyds account was marked as Satisfied on 25/06/2003 and 'updated'? on 18/09/2005. But there is no reference to any defaults to 1st Credit on my file. The only reference to 1st Credit is a search on 12/2007. But looking at my file I also noted another debt I had, which I had no idea of as I'm sure I paid in full a long time ago with a work bonus! But needless to say, the original creditor is marked as Satisfactory and the DCA, in this instance Lowell Portfolio Limited, but that started on 17/10/2002. So my questions are as follows; 1) Why aren't 1st Credit noted on my file as a default if they are indeed legally allowed to collect a debt? 2) Are Lowell legally allowed to claim the other debt, or is it now statute barred? Um, that's all I can think of, unless someone else wants to point some other stuff out? Thanks to whomever takes the time to read all that, you deserve a medal! :grin: