Thanks looby loo. I've been in touch with the police and they have been gr8 but its no so easy it would appear to catch the person responsible. I'll just keep up with my letters, if they choose not to respond then in my mind its them that are hamperin this matter being resolved. Thanks again

Did you push the matter any further looby loo? What did they do with you next. AS I posted previously I don't really want to go to court and am keen to get this sorted as it is not my account. Cheers x

Thanks for that, I'll have a look and see if I can find it and then send it, to see what happens

but also hugely scary - i just kind of feel that if they are now refusing to correspond its kind of a stale mate situation - feel like my head is going to burst sometimes thinking bout all this, lol!

Thanks Spatathisis, its good to know that you're not on you're own. Do you find that if you persist, you make headway or do these companies dig their heels in constantly. According to this Capital One no payments have been made on this account since this time last year and it worries me that I will be made to pay it (even though its not mine) or be taken to court

I am having exactly the same problem with this company for an account that I did not open. I have sent 2 letters now after receiving a blank template on the back of their letter. The last letter that I received from them at the weekend has basically said that they are within their rights to withold personal information, they claim they have a valid CCA so in their opinion the account is not in dispute and have stated that they are not willing to correspond any further regarding this matter. My beef is that this is not my account, I have not opened an account with them. By not providing true copies of supposed agreements, they can theoretically demand money from anyone - its a complete disgrace!!!!! They can take me to court if they wish but I truely beleive if they had a CCA (which I know they don't) then they would have sent it to me by now

thank you, I appreciate all the help available on this site, don't know what I would do with out it. Have other had the same experience as me and any positive outcomes? Its just all so very very scary x

Thanks for the reply folks. It is actually the creditor that I have been corresponding with. I just don't understand why they are being so difficult. Do you think it could be that they know they have no agreement and are trying their threatening behaviour thinkning I would cave in? If it was mine then fair do's I would pay it and that would be an end to it but it has nothing to do with me and they just don't seem to be willing to listen to what I am saying to them. I don't understand all the laws involved - its very confusing - but the main thing I would like to ascertain - are they allowed to get away with sending me just a blank template with no details or signatures? If that was the case surely they could try an get money off anyone and their granny. What is a proove it letter and where would I find one on this site? Thanks again x

Hi all, Sent a CCA request for a credit card thats not mine. The company sent a letter with a blank template of a credit agreement, but this held no details relating to the account that they claim I have with them. I sent them a second letter advising that this was not good enough and that as the account was in serious dispute I wanted a copy of a properly executed agreement with my full details and signature (I know that I have not signed anything). They have sent another letter to me saying that as far as they are concerned the account is not in dispute as they have a valid CCA and they are not obliged to send me an actual copy of the agreement. They have also said that they are not willing to enter into any further communication regarding the matter but obviously are still expecting payment. Can someone advise what I do now? Am I not right in saying that they have to provide me with a valid CCA and not just a blank template - if they have it why are the not sending me it? Please help

I do have crime number which I detailed in my letter but this was to the collection agency. I did phone one of the creditors but they said they could not deal with my enquiry because it had been passed on to another agency. I'm not very up on all this to be honest - I only have a few things of my own and haven't had any probs with them.

Thanks for the reply DD. Did you're friend get her situation sorted? If this is the case, am I right to think that the collections agencies that are saying they don't have to provide me with a signed copy of an agreement are telling me a load of tosh then??? I am just wondering what my reply to them should be. FC

Anyone?

I have received a number of letters from debt collectors for debts in my name, registered at my address, that I have not taken out . I had a stint where there were problems with receiving my mail and I'm unsure if someone has gained my details when this happened - this is the only thing I can think of . I've been in touch with the police and they are trying to help me with the situation but it appears like nothing much is happening on that front to be honest. After reading this forum and speaking to the National Debtline, I sent off for copies of signed credit agreements. Some debt collectors have been unable to provide these, saying they are unavailable and therefore they won't be able to take action, but others are saying that they do not need to provide a signed true copy any more since a change in the Credit Act. I've tried to follow some threads on this subject but have to admit that I've become pretty lost as I don't understand it at all . Can anyone help? Regards