Thanks Cerb.

I believe that I am an example as given above, I am not a moderator (well not on this site), or a member of the site team, neither am I any kind of expert. However, using the words of the OP I was and sometimes still am a numptie. I came to CAG like most others find CAG through sheer desperation for someone to help and advise me, mainly because although I always responded to DCA letters, it would appear nobody ever read my replies., and that is so time consuming and frustrating. I am a fairly literate person, and became interested in all the various problems arising on CAG. I was getting so much help and I have quite a bit of time on my hands, so started to spend more time here, not just for personal problems, but to see if there were any answers I knew. I think I began to try and help those in despair firstly, as I had had a career as a Nurse in not just general medicine but Mental Health too. Then, gradually as I began to mentally 'retain' the help I had been given I started to offer small pieces of advice, and it has now progressed over 2.5 years to where I can often offer a helpful comment or two. I still have a few ongoing problems of my own for which I seek help from time to time, and am here most days, but as has been said, it would, to me, not be as enjoyable if it were an obligation. I am retired and disabled now, so some days are not good, so I am not here, so long may it continue. I am not a Leader, but a foot soldier so to speak.

I already sent the in dispute letter when the 14 days were up. The thing that interest me is that according to that Application form they have me applying for both a Barclaycard and a Mastercard, so there is no way that it can be accepted as a CCA Agreement for one debt is there? I believe some time ago there was a template for when an unacceptable Application Form was sent, but I can also remember someone saying that Application Forms are acceptable now, but surely they still have to be legible, and contain Terms and Conditions?

Have an appointment next week with my sisters' MP so will update after that, unless she is arrested and cast in irons before then of course. Any got any ripe tomatoes?

They are 'concerned' oh dear, I would be tempted to write and say, please don't lose any sleep over this, I am not, just file in a filing cabinet under your desk as I do, and then forget it, I have!

So, am I right in thinking you do not know the name of the Court, Where did this come from, which DCA. Personally I would send a Special Delivery letter to them confirming this is the very first you have ever heard of this matter from them. Request the name of the Court. As you have yeard nothing from anyone about these proceedings it is probable you would be able to get them set aside anyway. Follow the other advice too, and try not to panic, and never telephone them insist on everything in writing so that you have a papertrail. If an SD is granted and is not followed by Bankruptcy in I believe 14 months, then they have used this as a method of debt collection and they have, yet again broken the rules) Don't bother about the reference to BR but this is a measure of how they threaten to frighten even on a comparitively small amount!.

OK well, Recorded Post was the response to my CCA Request as below ( and yes, it really is as bad as it looks!) Thats it, covering letter 'copies of the requested document', but just that one page. I have deleted personal details but the dates on this correspond to nothing I have, and it looks as if I applied for both MC and BC which is at least 8-10 years after I actually got these cards !!!! So, I guess a letter to say incomplete and illegible to start with and what they come up with then.

After several months of peace, AK are now following on from Ruthless with reference to a Goldfish Account I supposedly owe. Now, I know for absolute sure I never had a Goldfish Account, Ruthless failed to respond to any of my letters querying this, so I am not prepared to go down that road again with AK. Just out of interest, and knowing how incomplete their records are, could this be an account from another card and they have their details wrong, but isn't that a complete defence?

Just out of interest, how was the Contract 'terminated'. Was it just assumed that as the 'phone had been stolen the Contract would no longer exist? Unfortunately, in most cases this is not what happens, read the small print and you may well find that the 'extra charges' are in fact the monthly installments due until the natural 'end' of the Contract, and even then because most of these 'roll over' it has to actually be terminated in writing and over the 'phone giving at least one months' notice. IMHO this is a very unfair situation and I would follow the above advice about the 'prove it' letter which should sort out where the 'extras' have come from. I have had dealings with 3 and below is a very helpful e-mail address to contact: [email protected]

My sister had another letter this morning for CCS saying they were now chasing a second amount!!! I assume there can only be one amalgamated debt to HRMC? The first claim amount covers all the period since she became 60 up to date so who knows now where this second claim is coming from. Sadly she is now in a very distressed state and we do not know who to turn to next. It has been confirmed by a voluntary company helping 'older' people with tax affairs, that all her assessment are wrong and she owes much, much less than they are claim, the charity has written to them with her new calculations which HMRC are just ignoring. She is too ill and disabled to ever deal with this herself or appear in Court. How did she get in debt - well originally when she was first eligible for State Pension they sent the gross amount to Pension Credit who topped her allowances up to the basic minimum. Apparantly this is wrong as they should have sent the net figure after taking into account what her liability to tax on her state pension would be. This has happened over 5 years, hence she now owes the tax from the minimum guaranteed pension income, which should have included an amount to cover this tax. So, basically the State Pension Office owe this money to HMRC but my sister is the piggy in the middle, we have proof of this, and have sent reams of paperwork to all concerned with copies of everything. No one has bothered to come back to her even though they were all sent Recorded. I think we either have to see our MP or write and send the lot to David Cameron to sort out!!

Thanks for this Phil always nice to here how people are getting on and gives hope to new posters.

No probs - we have, for the most part been there, done that, and in some cases got the t shirt (Donkey anyway) sorry, thats' a whole new ball game!! You are to be congratulated that you are not looking for a way out, but a sensible way to make repayments. I assume you are not earning so on benefits? If this is the case even if it went to Court, which I am fairly sure it will not, a Judge would only order a payment of £1 per month. So, after they have proved to your satisfaction that you owe something and not necessarily all that they claim, (see above post re Charges etc). You can offer them as little as £1 per month, they won't accept it, but pay if regularly and they will not have a leg to stand on in Court because you are making the effort to service your debts.

OK, as Elsa says, you will need to decide upon an address to use. As you are not attempting to 'run away' from this debt (well done for that), then, providing your mum does not mind, you could use her address, making sure that you inform them it is temporary until September when you will return to education and have a different address. Obviously, to protect your mum you will have to inform them when you move, but this should not be a problem as you are not 'running away'. I would send Westclots a 'prove it letter' first, which puts them to proof that they are entitled to your money and you could amend the letter to include the above information, you could also inform them at the same time that all contact must be in writing only and no telephone calls are to be made as it is not your telephone number (should they have it). Obviously, if you feel unable to do this, then as Elsa mentions above there are the two debt management companies she recomends, and you could get their assistance.

In my own personal dealings with this, in the end I contacted them via the e-mail below and they were extremely fast at sorting my problem out to my satisfaction. May be worth a try, you could send it now, but you may not hear back until Tuesday. [email protected]

No, not waiting for a SAR, only HFO and Hillesdens on my back at the moment so I suppose it could be Hillesdens, they think they sent a complete CCA but it was minus pages mentioned on the front page and no T & C's. I did send a Account in dispute, but I guess this may not have stopped them. SB'd soon anyway. Nothing like this actually worries me anymore, just very curious!

I would query the last sentence (won't reproduce it here), but damage to Any part of anyone's body as an 'entertainment would sure be covered by the law too? Wonder who he worked for, or was he just a self employed thug?

The CAB are great, but they usually have long waiting lists. There is, in fact most of what they can offer, that can be achieved more quickly with help from this site. Be very careful when chosing a DMC if they want to charge you, then leave well alone. Lets see if we can get you some advice and assistance over this weekend which would mean you are ahead of the game. We need a little more information. Firstly, when was the last payment/actual contact with Lloyds? You say you have sent them letters, did you, by any chance send them recorded so that you have a receipt. With regard to the letter your mother received, to whom was this addressed? They cannot have what you do not have, so try not to worry.

Many thanks, just found my old thread and posted there too, so feel free to ignore me Ok, so, not sure what else that could be - why does this always happen over a long weekend!

No response to my CCA Request, so 'Account in dispute' sent. This morning I missed an RD letter which is not now available to collect until next Tuesday. Do HFO use RD for issuing a Court Summons, or, for a response to CCA request does anyone know. I am not expecting anything remotely important enough for RD so that is why this bunch spring to mind.

Just popping in for quickness, missed a RD this morning, now not 'available to collect' until Tuesday, would this be HFO serving a summons does anyone know, do they use RD for this, or fo that matter in answer to a CCA Request?

The amount is around 1.5 K and I was informed that installments could last no longer than 3 months, so even if my sister paid all of her state pension and pension credit over to them every week it would still not clear the 'debt' in 3 months, so she is 'doomed'.

Hope these are ok:

Putting it another way they might or may be real

Personally, I would leave well alone. Have you actually paid any of the charges, or would they all have been included in the alleged debt?. You could also jeapodise the whole situation as claiming back the charges, could be construed as accepting that the debt (account) is yours. Hopefully this will be the end of the matter, but should anyone else pop up in the future, just send the Account in Dispute/bemused letter to them.

A very awkward situation, but, if, as you say this was done in spite then reporting it would be a logical action and not spite. It could be reported, saying that it is only a 'suspicion' that you know you did it, but you would prefer, unless pushed, not to name names.