Hi Guys i,m having similar problems with BOS and Wescot I sent a CCA request to Blair Oliver and Scott dated the 4th January 2010 since then i have not received any correspondence from them,however i have now received another demand for the same credit card balance from Wescot!!! giving me 7 days to pay, contact them "OR ELSE", it looks like they have passed on the collection as they cannot comply with the CCA request!!? do I wait the required time and then put the account into dispute with Blair Oliver Scott or send another CCA to Wescot? any advice would be gratefully received HELP!!! PJW

Hi Gary Well done on your victory!! Now a general question to all you guys I sent a CCA request to Blair Oliver and Scott dated the 4th January 2010 since then i have not received any correspondence from them,however i have now received another demand for the same credit card balance from Wescot!!! giving me 7 days to pay, contact them "OR ELSE", it looks like they have passed on the collection as they cannot comply with the CCA request!!? do I wait the required time and then put the account into dispute with Blair Oliver Scott or send another CCA to Wescot? any advice would be gratefully received PJW

Hi guys i am having a bit of bother with Impact collections acting for Vanquis I sent off the request for a true copy of my CCA ,i received it outside the allowed time of 12+2 days so they are now in default on my request and this was just a copy of a random agreement with no signature on,i then forwarded the letter of dispute however i have now had another demand for payment and multiple phone calls which is amounting to harrassment, as the account is now clearly in dispute what are my options ? do i just ignore them as the debt is unenforcable or do i need to send any more letters,your help and guidance on this matter would be most appreciated regards twometer

Cheers fellas i'll give it a bash and keep you posted

I,m still a little confused as to what is my next step please advise!!

So guys should i go ahead and send my letter? or is there another letter i should create? what do you reckon is my next move

Heres, a copy of both please advise Our Reference: Letter Reference: 21 st August 2009 Roll Number: Account Number: Sort Code: HALIFAX Retail Bank Collections PO Box 607 Trinity Road Halifax HX12UJ Telephone: 08708501298 Fax: 0113 235 7204 Office Hours: 8.30am to 7.30pm Monday-Friday 8.30 am to 12.30 pm Saturday Page 1 of 3 IMPORTANT - YOU SHOULD READ THIS CAREFULLY -Defaullt Notice served under secfion-87(1) of the Consumer Credit Act 1974 The terms and conditions of the above account state:- At any time we may require you to pay us the whole or part of any overdraft, interest and fees or charges which you owe on your account. You are in breach of that condition because we have asked you to repay the whole or part of your overdraft and you have failed to do so. To remedy the breach you must pay into your bank account the sum of £******* before 19th September 2009. IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH. IF YOU DO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE THE DATE SHOWN THEN THE FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU. Halifax is a division of Bank of Scotland plc. Regbtered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1 YZ. Authorised and regulated by the Financial Services Authority. Telephone calls to and from this office may be recorded for training purposes. Our Reference: Letter Reference: HALIFAX Retail Bank Collections PO Box 607 Trinity Road Halifax HX12UJ 3rd September 2009 A Default Notice has recently been issued to you as you are in breach of the terms and conditions of your agreement. You have failed to repay the requested amount by the date shown in the notice. As a result we have terminated your credit agreement. Your account will now be managed by the Debt Recovery Department. No further notices will be given and you are therefore requested to telephone us immediately to discuss repayment:-· .~. --- - -- - - - - - - If you choose to ignore this message, as stated in the Default Notice, we will be left with no alternative other than to take further action to recover the outstanding debt. This could be either through the Court or Collection Agents who will contact you for repayment. You will be liable for all fees and costs incurred by any action taken. Payment can be made by:- Credit 1 Debit card Payment at your Bank Cheques or Postal Orders direct to this office Standing Order 1 Direct Debit Mandate, Yours faithfully, p CAM 1...\ ~ CVJ f Paul Spencer Senior Collections Manager Please note you can obtain free independent money advice from organisations such as "Citizens Advice Bureau ", "The Federation of Information and Advice Centres ", and your local "Trading Standards Office". Free national phone helpline services are also available from agencies such as " National Debtline" and the "Consumer Credit Counselling Service". Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound. Edinburgh EH1 1 YZ. Authorised and regulated by the Financial Services Authority. Telephone calls to and from this office may be recorded for training purposes.

Hi all thanks for the info i'm pleased i posted here first before jumping the gun i have,t had any contact by letter from Albion as yet ,just the Default letter followed by the notice of termination as i stated earlier i was notified i had until the 19th of September to clear the debt then received the termination letter on the 04th September!! any ideas how to proceed Pete

Hello Guys I,m having the same problems with Halifax i was defaulted and given until the 19th September to settle my old bank account however i received a letter on the 03rd September stating the debt was being passed on to Albion DCA I have not been given the indicated time to try and settle the debt and reading the previous posts this default appears to be now invalid/illegal ,I am going to send a letter pointing this fact out and will wait with baited breath!!! anyway here's a copy ,let me know what you think before i send it! Pete Roll Number ******** Account Number ******** Sort Code ******* Dear Sir I refer to your “Default Notice” dated 21st August 2009 and received on 24th August 2009 I accept that the agreement is now at an end. However, upon seeking advice, it is my view that you have unlawfully terminated the agreement by issuing an invalid Default notice. Due to your repudiation of the agreement it is my understanding that I was given until the 19th September 2009 to settle any debt on this account ,However I have now received a letter dated 03rd September stating the account will be managed by your debt collection agency ,this is unacceptable as I have not been given the indicated time to repay this debt or take the action required Against this amount, is my counterclaim for damages for unlawful repudiation of the agreement which I anticipate will exceed this amount. In the circumstances I therefore suggest that you confirm to myself and Credit Reference Agencies that this account is now satisfied in full and that you will waive the arrears outstanding - whereupon I will not pursue any claim against you. Yours Faithfully,

Hi i am having similar problems with MBNA Amex until last month i have never missed a payment on any of my cards ,i contacted MBNA to sort out a payment plan however they were not at all interested ,i am now receiving several calls a day regarding this matter , as usual the interest and charges are piling up, any suggestions? Pete