I found out due to getting me credit report that back in April 2008. My reps account had been in dispute over my Area Manager putting an order through on my account since January 2008. I had no notification of a default from them and want to know where I stand. I wrote to them with a pound asking for my original CCA and this is their response:- Thank you for your recent letter regarding your Avon account and the information supplied to the Credit Reference Agencies. It is our normal practice, as with most major companies which give credit to consumers, to file details of our accounts with Credit Reference Agencies. This information gives details of how the account was maintained and whether there is an outstanding balance. We are registered under the Data Protection Act to perform this. The requirement for a default notice is only applicable to forms of credit which are regulated under the terms of the consumer Credit Act 1974. The Avon Sales Rep Agreement is exempt from these requirements. This is becuase the terms of the Avon agreement are settlement in full 21 days from the invoice date, as clearly indicated on every invoice. The information supplied to the credit reference agencies is factually correct according to our records and it would be inappropriate for the entry to be removed. A statement of your account is enclosed.. If I can be of any further assistance please do not hesitate to contact me. The account was in dispute at the time due to be questioning the outstanding amount that my area manager had accidentally added onto my Xmas order........can Avon do this and what can I do now ??? Any help as always much appreciated.

I have checked for defaults and Capital One put one on the account back in October of 2008 though I never received any notification of just found it on my Experien credit file last week !?!

Sorry Dave don't really understand your post maybe I am being a bit dim !! They stated they were reducing the credit limit to 500.00. Our original one when applying on line about 5 years ago was granted at 8.5K immediately. Why would they reduce it to 500.00 when the balance was zero anyhow then close it ??? Was thinking of sending a CCA to them to see if they have the original and if not making a claim on all the interest they have charged over the years when we were maxed up to the limit month on month....what do you think ???

Don't know if I am posting in the right place or not !?!? I have requested my original CCA from RBS Advanta for a credit card me and the OH took out back in 1996. They sent me the original application form signed by myself and my OH with a box that says PAYMENT PROTECTION Payment Protection is designed to protect your RBS Advanta Card payments in the event of death, accident, sickess or involuntary unemploymet (including redundancy). We strongly recommend you take out this cover. For cover just tick the box (which we did) I now receive back statement to say from opening we paid over 2.5K in PPI Based on the face we just ticked a box do we have a claim to get back the PPI paid or not ????? Any help on this would be much apprecaited. Thanks in advance

My OH got a letter to say :- IMPORTANT INFORMATION REGARDING YOUR CREDIT CARD In line with our commitment to responsible lending, we carry out regular account reviews to ensure that we continue to offer a suitable service to our customers. A recent review has highlighted to us that you no longer use your credit card. Therefore, as a responsible lender, we would like to tell you that we have reduced your current credit limit to 500.00 (from 8.5K) and your account will be closed. These changes will be made in line with your current Terms and Conditions and you will not be able to reopen this account. We apologise for any inconvenience by our decision to close your account. For security reasons please destroy your card by cutting it in two through the magnetic stripe at the back of your card. Please cancel any subscriptions or continuous payments you have linked to this account. Any spend made on your account until the closure date will be payable in full on the closure of your account. Can they simply do this ??? The CC was at its max limit the year before and we paid it off in full and didn't use it again....is this legal....what about people who only have them for emergencies ?!?! Any help much appreciated Regards and thanks in advance :-?

CCA'd Capital One who put my CC account into default late last year owing around 2800 pounds (alot of which was charges for going over my limit of 2K!!!) Got a letter back this morning from Ellie Renshaw !!! (heard that name a number of times on CAG) haha Thank you for your letter requesting copy documents for your account (No I asked for my original signed consumer credit agreement and clearly stated NOT an application form that had been signed)!! In your letter, you make a request for a copy of the credit card agreement under Seion 78 of the Consumer Credit Act 1974. Unfortunately you did not sign the letter and to seek identify we require the 16 digit account number (it was on the original letter I sent), your full address (as what that otherwise how did they reply to me ??) and my DOB (surely they know that??) Also asking for another 1 pound postal order even though they already had one with the original letter !??!? What should I do now ???

Sent a SAR to Alliance and Leicester and in between got a letter from CapQuest demanding payment. I CCA's CapQuest and today received 3 letters !!!! Two from CapQuest one dated 29 January saying :- We thank you for your recent correspondence. Please note that as we are acting on behalf of our client a deed of assignment for the above account is not applicable. We have requested a copy of the agreement and statements from our client. These will be forwarded to you as soon as we receive them from our client. Yours sincerely Martin Best & One dated 30th January 2009 from CapQuest saying:- Further to recent con Further to your recent contact with our office and your request for further information in relation to the above account, we would confirm that your account is now on hold for 28 days whilst we obtain the information required. If you have any proof of payments or correspondence that would assist with your query, please forward these documents, with a brief covering letter, to our Collections Administration Department, so that we can resolve this matter as soon as possible. Yours sincerely SQUIGGLE Collections Administration Deparment & A third letter dated 23 January 2009 from A&L Asking for their 10 pounds to release the inforation !!! The question is what do I do now !?!??! Send A&L the 10 pounds or sit tight on the CapQuest and see what they come up with ?? It was for an internet based account that had an overdraft of 200 pounds but due to excessive charges for going a couple of pounds over the 200 it ended up near to a grand that they are now chasing me for !!!! Any help much appreciated. Regards & thanks in advance :-?

I thought these were just scare tactics so filed it with all the other DC letters for now Can someone just confirm what I just read that Crap One sign only the top of a pile of recorded delivery letters ??? Is there any way I can check it mine was delivered then ??? Sorry to post it here just wanted a quick answer thanks

I SAR'd A&L last week and it was received and signed for. Today I receive a letter from CapQuest requesting full payment on behalf of A&L and if I don't contact them within 7 days they may start court proceedings What next ???? Help wanted please

Got my Equifax credit report today and am slowly working my way through it !!!! Noticed from a previous address (over 8.5 years ago) a default on my file for a Barclaycard for 522 pounds Start : 14 October 1994 End : 1 May 2007 Default : May 2007 I have no notice of this ever.....it is linked to my old address.....can they do this...??? Would they have written the default notice to my old address and accepted that or are they trying it on ?? Shall I send a CCA to them requesting info or would you send the I have noticed a default on file letter to them ??? Help is always appreciated from this site I actually don't mind opening the post in the mornings now

Equifax credit file states that they defaulted the account in April 2008 !!! Well that's news to me as the account had been in dispute since twelve months previous. How do I get this removed ???

Got my Equifax credit file today and noticed that an old Avon account from many years ago owing 234 pounds has a default notice next to it !!! The account was in dispute as I actually didn't owe anything it was due to an Area Managers account error which she admitted over the phone at the time. I assumed the matter had been cleared up and heard no more from Avon or any DCA regarding this. What should I do now with regard to the default notice on my credit file ??

Ha ha ha got two letters this morning one dated 9 Jan and the other 12 Jan. One from A&L regarding my overdrawn account saying As you have failed to make full repayment of the above debt the account has now been closed. You should be aware that this may also result in the closure of any other Alliance and Leicester Group accounts which you currently hold. (I don't !!!) The outstanding balance must be repaid immediately and you must not attempt to make any further cash withdrawls (like they would let me ha ha lol) or issue any payments on the account Yours sincerely Mrs V South Personal Banking Also got my equifax credit report today and it shows the account had not been used for over 10 months and that at the end of when I stopped using it, it was around 200 overdrawn....it now states I owe them 900+ The other letter I got with the same type face etc etc as we all know was from Security Investigations Debt Recovery Division with the following:- Your account has been placed with us for collection of the above debt. You have been advised that we will notify a Credit Reference Agency regarding the default (what default???) status of your account. This may affect your ability to obtain credit in the future. The entry is due to be registered after 28 days. To avoid this action payment of the full outstanding balance must be received within 28 days of the date of this letter. It is imperative that you telephone this office immediately to discuss repayment of the outstanding balance. Dated 16 Jan 2009 What should I do next SAR or CCA them ??? Thanks in advance

Got a letter from ACM this morning contents of which are below:- I am writing concerning your letter received today, the contents of which have been noted. In order for me to refer your disputed account to Halifax for them to provide us with a copy of your signed agreement a fee of 1 is required. We will endevour to forward the copy of the agreement onto you as soon as we we receive it. Your sincerely Miss A Collier Debt Purchase Sales Support 0871 244 2812 What next ???? A 1 pound postal order was attached to my recorded delivery letter.....are they asking for 1 pound or is this just another standard reply letter ?? Also checked on my credit file and it doesn't say anything about debt being sold etc etc as I believe it should but has an S as latest with the balance on the account as 0.....??? Bump

Fred is right you need to tell your partner sooner rather than later....I hid 17K of credit card debt from my OH and was terrified for over 5 years of him finding out as I thought he would leave me.....I hid post, I shredded letters I hadn't even opened, I too unplugged the landline or turned the ringer off and if I saw someone i didn't know coming to the house I used to hide. My OH found out by accident one day when he went to check an account and he went ballistic.....we suffered for twelve months as he was so upset I hid it from him....we are now moving on and to be honest are probably happier than before as I am not snapping with the stress of hiding the ebt anymore.... We cashed in an endowment and paid off most of the debt and a friend helped with the remainder....we dealt with it together and I don't mind telling people about my mistake now...its amazing how many others are in the same position but choose not to ask people for help....I steer everyone to this site. At the time I thought my world was going to end (that's before I thought of driving up the motorway and crashing my car)....It doesn't end, if he leaves you he is not worth it anyway.....he will learn to forgive you and maybe one day even understand how you got in this mess and how easy it is and you are not alone by no stretch of the imagination you only need to show his this site to prove that !!!! Your life, your future and getting the god damn DCAs sent packing is what you need to look forward to doing...don't give up !!! Big hugs, stick with it and please please find time and tell your OH

Moorcroft and their harassing telephone calls day and night for me

Bought a camera on 6 November for a Christmas present for OH. Opened it Christmas Day and lo and behold it doesn't work at all, won't even come on....tried different batteries etc and checked out on a forum and apparantly its a fault with the particular Kodak camera !?!? Took it back with receipt to the shop I bought it from and said it didn't work at all and I would like an exchange or refund....was told bluntly that as the company are in administration neither could be offered. They said I could write to KPMG who were their administrators and ask if there was anything they could do.....in the meantime we are fifty quid out of pocket with no camera !??! Can they do this and if so how do I get my camera that never worked fixed/replaced !??! Any help gladly appreciated.

Took an SAR into my Halifax branch today and handed it to the girl at the counter....she looked through it and said she would stamp it in and send it off to Head Office. I also gave her the letter from Apex Credit Management and a bogus looking letter dated October 2008 supposedly from Halifax informing me that the debt had been sold to Apex and to only deal with them from now on !!! Even the girl in the bank didn't think the Halifax letter was real...... She looked on the system and said my account was nil and not 876 overdrawn as stated in the letter and that is was POSSIBLE that the debt had been sold to a collections ageny. She advised me to contact Halifax head office and gave me a number to check if this was correct and that the debt had been sold to an outside company. She also added that if it had they need proof that they can collect that debt they cannot just demand payment hahahaha !!!! Also, CCA's Apex Credit Management with an unsigned recorded delivery letter and the 1 pound PO yesterday so await to hear from them too :o) Should I just sit back and wait now or would you ring the Halifax Head Office to check the debt has been sold ?? On the screen it shows a nil balance on my account and like I said not the 876 overdrawn that is claimed from Apex........

Opened an RBS credit card account back in April 1996. I got in severe debt with these cretins last year and borrowed 9K from a family member to get them off my back as they had defaulted my account and was at the end of my tether with all the threatening phone calls and letters !!!! Now I have found this site I have since sent for a signed CCA from them....to which they have sent back a copy of my application form !!! (signed granted) does this constitute a CCA ?? Also on it is a box for Payment Protection which is ticked !!! There are no terms and conditions on the application form other than at the top saying The RBS Advanta Card 15.9% APR for purchases. Linked to the Base Rate. No Annual Fee....... Does this mean the debt that was keeping me awake night on night was unenforeable ??? If so is there anything I can do about it now its been paid off in full ??? Also at some point I was sent a new card, when the RBS ones expiry date was up by MINT with nothing to sign (other than the back of the card) with a set of new T&Cs and had upped my limit from 2500 to 9K....can they do that ??? God I wish I have found this site twelve months ago.....it would have saved me a lot of sleepless nights and hiding from the postman haha 8)

Thanks for that advice, point taken. Will SAR original creditors they take it from there. Regards, will keep you posted

I will SAR both A&L and Halifax and see what comes back. In the meantime I have requested from Apex Credit Management a CCA so should I see what their reply is to that one ??? Apex could not give me any information on the debt just that it was with Halifax and for near 900 pounds when I telephoned them......they told me over the phone I should know what its for and couldn't be any clearer, that's why I sent to CCA just to see what they actually come back with !!!!! Do they have a legal right to chase this debt they say they bought from Halifax without any proof of what its for ??? Any other suggestions much appreciated ???

Wondered if anyone can help...I have read on here that DCAs have no need to provide a CCA or answer a CCA request for bank accounts that arei in the red ?? Is this the case ?? I have two accounts one with Halifax about 900 ODrawn and the other with A&L which is around 900 ODrawn....Halifax has been sold to Apex Credit Management. The other one is still being chased by A&L themselves.....this one was an internet banking only and never signed anything anywhere just applied on line got accepted and that's it....it even came with a 600 pound overdraft as well.....all not asked for but given on a plate !!!!! I have telephoned these muppets at Apex today who use very aggressive tones and manner threatening doorstep collections etc etc. In the end I put the phone down as I was clearly getting nowhere. I have told them I would not disclose any personal information over the phone and have today written them a CCA letter with the 1 pound PO....does this mean they have a right or not to chase these debts if they don't have to provide a CCA ??? Do they have to prove that you owe this amount at all in a breakdown etc etc....as I know most of the amounts on both accounts are charges upon charges ?? Thank you in advance

Thanks, will send that letter to the bunch of monkeys today :o)

Had a letter from Moorcroft DCA to say I owe 200 pounds with NPower (never been with NPower) and payment due immediately.....phoned these morons (never again!!!) only to be shouted at, told they were going to send a doorstep collector to collect total amount etc etc etc I am sure you have heard it all before......very aggressive and unsympathetic manner. I explained I do not have a debt with them or NPower only to be told they will be pursuing this debt unless I can prove otherwise !!! I came back home on Friday to a hand delivered note from what I imagine is a Baliff !!! eek gulp.....they were serious..... I phoned the mobile number on the note and explained that I have no debt with NPower nor Moorcroft DCA, he said he would pass it back to the original creditor and fill in the paper work and that if it was passed back to him he would be calling again.... What do I do now !??!?!

I had an old account with Halifax, opened around 2003....not much activity in it, however they did put a 200 pounds overdraft on the account without my knowledge.....used the account a couple of times to pay in some Paypal/ebay funds and at some point the account went 2 pounds over the overdraft facility which they charged me again and again for 35 pounds here and there..... Due to charges the account is now at around 900 pounds overdrawn and I have had a letter from Apex Credit Management today with a letter dated October 2008 (which I have never seen before) from Halifax saying they have sold the debt to Apex and to deal with them with regard to this and that I must pay this amount in full immediately or court action will proceed. As I presume nearly all of this amount if made up of charges on charges I refuse to pay the total amount. What do I do next ??!?! Any help would be much apprecaited.