With regard to your problem with when to send the prove it letter, it really won't make any difference as they completely ignore it anyway! I know from both personal situation and the various related threads on here. Just waiting for 12 +2 to be up after sending the CCA Request now, then I will fire off the Account in Dispute letter.

Was their any PPI or charges in that £900?

I agree with 'starting over', but the default should have been registered in a timely manner, which means within 6 months of the default occuring. I note you say that your SAR was returned, but this is a legal request and their response is not acceptable. You could send a new request informing them of their legal obligations to do this. What you need is the date of the original default as Arrow should have taken that over and kept the original date.

Another 'Admin Error' no doubt

Link to letter as mentioned above: http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-

Thats the way to go, come back and keep us updated or if you require further advise.

What SD, not signed for not received! Seriously though there are 2 lines of thought on these, IF they decide to act on this after the 18days have passed they would have to prove receipt of the SD - difficult when sent by normal post. The other line of thought is to get this 'set aside'. However, several DCAs have been warned for using SDs as a form of debt collection as this is not allowed.

I would send the 'prove it' letter to the DCA which should make them delve a bit deeper for information. It is for them to prove the debt and not you to prove you do not! Keep everything in writing, and unless you can record calls, do not contact anyone by telephone. Unfortunately it is a sign of the times with passing around your personal information. http://www.consumeractiongroup.co.uk...ng-of-the-debt

Send them the 'telephone harrassment letter' amending to suit informing them that this is NOT your telephone line and if it does not stop the owners of the line will also commence proceedings against them. http://www.consumeractiongroup.co.uk...esponse-letter

I like both suggestions!

Always nice to 'update' a thread for new 'Caggers'.

You might want to check your Credit files too, as they may contain a 'linked address' which, after 18 years should definitely be removed.

http://www.v3.co.uk/v3-uk/news/2069585/acs-law-owner-andrew-crossley-escapes-gbp1-fine-ico I realise this is posted in the ACS thread but thought those not directly concerned with ACS would like to read what CAN happen when enough complaints are made.

Have you checked your credit files, because there may well have been a default at the 'time of default' from the OC. If that is still showing then they must 'take over' that file and cannot default you again - you can only be defaulted once for each debt.

Lets' go back to the beginning and turn this around. Send them the 'prove it' Letter by Recorded Delivery, e-mail is ok but in this circumstance I would use snail mail. The onus is on them to prove you owe the money and not for you to prove you owe anthing. Put their e-mail address in your blocked/spam after one final reply informing them that you will no longer be communicating that way. Golden Rule - never engage with them on the telephone, everything in writing only. When did you make you absolute final payment?

Not sure of the ins and outs of PPI but have a read here : http://www.myfinances.co.uk/insurance/2011/05/10/banks-drop-ppi-appeal this may help as it only happened yesterday.

not forgetting the person who looked after the cat and dog whilst you were away Seriously though, all above are, in my opinion are correct - if challenged just say that the longer you live the more they get, if you see what I mean! Go enjoy.

Send a 'prove it' letter to whoever told you that piece of rubbish. http://www.consumeractiongroup.co.uk...ng-of-the-debt

Without further in depth information it is impossible to say. How far along are you with re-claiming charges; are the accounts in collection; who are you dealing with. In many cases this is a case of not receiving the correct info from OC, sloppy typing; or whatever. When this starts to be a problem they will make a better effort to get the correct information as you can simply deny knowledge of the Account Number. Alternatively, if you have the correct numbers you could SAR the OCs.

Just giving this a bump up the list, unfortunately, not my area of assistance.

Well you could SAR Barclays but it is going to be difficult without all the correct information. Sending the 'prove it' letter' with a request for full account/card number might get you the information you require.

Trouble is though, most Mobile 'phone Contracts say that you are liable for calls in these circumstances, up until the time the loss is reported to them/Police, so I guess this is what they are using to try and get this money from the OP. I would start a written dispute with O2 Direct. Was this ever reported to anyone as lost/stolen?

To answer your other questions, they cannot take or attach anything to yours wifes' property/belongings/bank account - ever - so you can rest easy on that one. Follow all of the advice given above, if the visit in branch does not bring the information required, is there a way you can check for yourself when the last payment on this account was made, and to whom. So long as it is 6 years or more (5 in Scotland) then you can safely assume the account is indeed SB. Your credit report should also show a default date. Have you noticed this on any previous Credit Reports? just because it is not appearing on a new up to date one does not confirm anything one way or another.

First thing to do would be to send a 'prove it' letter to whoever is telephoning/writing. You could also include an 'harrassment letter' But, can you remember this debt, and when was the last time you made any kind of payment on it, is it showing on your credit reports with Experian/Equifax, it may well prove to be Statute Barred and that would need a different letter. http://www.consumeractiongroup.co.uk...ng-of-the-debt http://www.consumeractiongroup.co.uk...esponse-letter

Tricky that as only you (apart from DCA's etc.) have access to those files. I would be more inclined to give them the name of the CRA who is registering this and tell them to look themselves! - then correct asap.