I think I emailed my complaint to OFT but its on my other PC which has broken screen so cant access it atm. I would send the 'account in dispute' letter with the others as mentioned to moorcrap and a copy of the complaint to OFT. Re. F/F - I have no experience of these so wouldn't know what to advise but I see Steven is here so I'm sure he'll keep you right & may have a different opinion to me - this is like football, a game of opinions

Who was the debt collector working for? Was it still moorcrap? If they're ignoring your letters (and I'm assuming you sent them by recorded delivery), report them to the OFT. Write to whoever is chasing & make sure you make it clear on the letters that you have copied them to OFT. I understand about the money side but personally, I would make them do all the work, secure in the knowledge that they haven't got a leg to stand on in court! (They won't repay you the charges in any case if you haven't actually paid the charges - does that make sense?) BTW - don't resume payments now as this will affect the date when it becomes statute barred. I know 6yrs seems forever but just think of how old your kids are - don't you ever think 'my goodness, where has the time gone'?

I have just read your thread from start to finish & if it were me, I would not be taking them to court but that's just me & my credit file must be full of defaults so of absolutely no importance to me If you have only been furnished with an unenforceable application form, what can they do? If they believed that the account was enforceable, they would have hauled you before the courts by now since this has been ongoing since June 2008! They can a) send letters asking for payment b) they can send people to your home asking for money and c) they can ring you between 8am & 9pm. Re a) tell them that they have not supplied a copy of a correctly executed agreement & that the application form they sent does not comply owing to lack of terms on the form b) you can send the 'keep off my property' letter c) you can send the letters saying allcomms to be in writing & you refuse to discuss it by phone. As I say, thats just what I would do. Hope it's helped

Well, I think I'm a happy bunny! Got my SAR info back today which is remarkably thin SAR confirms that a TN was sent on 17/11/09 Followed by DN on 01/12/09 So, they can only claim arrears, yes? What then happens about my PPI complaint which is currently with FOS? Out of interest, here are the copies of said DN & TN which I presume they would use & mock up the info if this ever went to court!! I've only scanned the front page of each as I think this gives us the gist of it.

You need to edit your last post as it contains your name!! Did you send all the stuff as previously advised?

If no levy, can they charge 'attendance/van' fee in relation to unpaid PCN?

This is from the insolvency helpline site: Student loans Student loan agreements are simple contracts and this gives the Student Loans Company (SLC) 6 years from the date you last paid or acknowledged the debt to go to court to enforce the agreement. There are two sorts of student loans and different rules apply depending upon when you took out the loan. Old style or “mortgage” student loans are consumer credit agreements. Payments cannot be automatically deducted from your wages. The SLC has to go to court before they can enforce the debt against you. This means that the Limitations Act can apply if you have not paid or acknowledged the debt for over 6 years. (Asking for the loan to be deferred could count as acknowledging the debt and start time running again). From September 1998 new style or “income contingent” student loans include rules to say that repayments are automatically deducted directly from your wages or through your tax return if you are self employed. This means that the SLC are still allowed to take money from your wages for a loan over 6 years old as they do not have to go to court to do so. It quotes the above & I hiave highlighted in red re. deferrment If you've not already done so, I feel that you need to SAR them to check the request for deferrment as you have no recollection of asking.

It should be for both but its probably better to make sure you make clear that there are 2 a/c's & quote the a/c no's. They have 40 days to get the info to you.

I'm a nobody but I am also somebody who got their bank charges back PURELY BECAUSE of CAG! As yourbank has already said, this is a self-help forum & it does require the investment of time to research for oneself. There are hundreds of people on here who have waited for over 2yrs for some resolution to their case with bank charges but they've not been shouting about how long it takes to get the templates right are they? I'm a nice person too but I hate it when someone who has had the benefit of all the good work CAG has done, starts moaning about having to do something for themselves. I wont be posting a reply to any more comments you might make on this thread so please dont feel obliged to respond to this post.

The Supreme Court alluded to the next move & it takes time to get it right! Nobody woke up one day & thought 'O I know, we can get bank charges back. I'll just fire off a letter for all to follow'. As with any legal challenge, it takes time to thoroughly research & put together so I think you're being extremely impatient if you think it should all be prepared for you & others to use within a few weeks of the decision in court. As for your aggression to CAG, its not necessary especially when you have been helped in the past!!

Sit it out but you could send them a SAR which should highlight everything you need to know.

Have you had a termination letter?

You're right to suspect that if the agreement is legit, they are much more likely to take you to court! Their reluctance to do so is very telling IMO. You should have received a Default Notice if your credit file has been marked as defaulted. More ammunition in case of action

Keep at 'em (as I know you will) What they did was disgusting IMO

Thanks for all your help

How did you get on with this PF?

I found the easiest way to stop their endless calls was to log on to my account on their website & deleted my telephone number - simple but effective If you are answering their calls, you would be advised to a) stop answering it if you know its them b) refuse to answer the security questions c) tell them to put everything in writing every time they call you. If you are with BT, they have a 'Choose to Refuse' facility which you can use to block their calls but be aware that they probably have several numbers they can call from. Is this an old a/c? If so, it might be worth sending a CCA request or if a recent a/c, and if there are charges on it a SAR would identify whether you can reclaim the charges. As with all letters, send them unsigned & by recorded delivery so that you have proof of their receipt should it be needed in the future. If/when you get any replies to your letters, keep the envelopes stapled to the letter.

£120!!! Are you even contemplating this? I sincerely hope you're not!! Carry on ignoring. UNTIL they produce your CCA, they cannot enforce payment. Personally, I wouldn't even waste a stamp replying. They would be laughed out of court if they tried taking it there with the rubbish that they believe is a legally enforceable agreement

This thread is 2yrs old so somhow I suspect the OP wont be along to update.

So you dont think you've been robbed cos the cash & watches have been left & certain that it was bailiffs. The notice you have is just a notice informing you that they will attend but they have to turn up & get a levy on your goods first. They cannot break in & help themselves without this levy being in place & in any case, a laptop & PS3 would not be sufficient goods to satisfy a debt of approx £2200

Smells a bit fishy to me.

From the FSA website: PPI sold with credit – changes from 2010 The Competition Commission (CC) has published its final report into the payment protection insurance (PPI) market, setting out the measures it has decided are needed to introduce competition between suppliers. [/url] To address the lack of competition, the CC will introduce a package of measures to improve competition in the market, including: a ban on the sale of PPI during the sale of the credit product and for seven days afterwards; a prohibition on single-premium policies; personal PPI quotes; annual statements; and measures to make sure that improved information is available to consumers to make it easier for them to compare and search for products and switch policies at a later point. The Competition Commission expects these changes will come into force in 2010. To coincide with the CC’s publication we have published on the FSA website a clarification of the ICOBS requirements for sales of PPI given this new context. Smaller firms online - Your Firm type This suggests that the ban is only from 2010 but, like you, I thought it had already been implemented.

Post it recorded delivery to their registered office which should be on the bottom of every bit of their paperwork.

Living up to their initials - ****!

I would have thought that you should be disputing the whole of the claim initially. Check your dates carefully. The claim is deemed served 5 days from date on N1. You then have 14 days to acknowledge online & a further 14 days to submit your defence. What exactly does it say in the POC?