Hi Im so sorry to tag onto the end of this forum but I do not know where to write. I have a credit report issue. I swapped mobile phones and missed a final payment which is now cleared but has hurt my credit report and a subseuquent mortgage application. Could you possibly redirect me to the right forum? Thanks in advance and apologies again Seachan1

Thank you so much for the replies. I appreciate your time. Minefield.

Hi Can someone help me. Because I gave out the wrong account number to a supplier a payment pf £850 was transferred into the wrong account. The people who were paying me tried to get the payment reversed by Santander who have responded that they have tried to get in touch with the recipient but can't. They now say there is nothing more they can do. Does anyone have any experience or understanding of what I can do next? Any help gratefully received Thanks

Hey postggj Thanks. We are not homeowners which is probably why we have gone so long without court action. But thanks for the advice Seachan

I have several old, pre 2005, unresolved cc debts. All have been the subject of cca requests and numerous responses. However, I moved house recently and am about to move again. Pretty soon my trail will go cold and they won't be able to find me for a while. But can they issue court proceedings in the meantime and I know nothing about it? Some thoughts from seasoned experts would be helpful. Best

Hi All Thanks for your replies. What is my next move with this then?

Or is a defence still mountable

Has this recent this court decision changed anything?

very poor quality original

cabot 1 picture by seachan1 - Photobucket

Hi all I have an old account with Morgan Stanley which I have asked for advice on this forum before. I have sent for a CCA and had letters from Cabot saying they have ben unable to find them. However, today, I received a huge package with an old agreement and all my statements in photocopy dating back to 2002. I have seen the agreement before but not the statements. I have been advised that it does not have the correct clauses etc on it. Can somebody advise me if the position has changed at all recently despite the award in the High Court recently going against the borrower Thanks Seachan

We're dealing with the original creditor, who according to their letter, have not sold the debt on. But presumably, they will and the whole cycle will start again. However, what's interesting is that they used two DCA's to chase it down including the viciously unpleasant AIC based in Glasgow. Thanks for your help. We appreciate it. Seachan

Great, thanks for that. Have you any experience with responses to this kind of letter post cca? I would be interested to know how banks and credit companies are reacting to this style of legality. Best wishes Seachan

Hi cerberuseralert Thanks for your quick response. I felt that the application had nothing on it and the separate terms and conditions were not dated or signed. What is the response to them now? Best Seachan

Hi all I am doing some research for my other half and have had a response from Natwest who have sent an application/ agreement form from 2002. They have also sent a separate terms and conditions which is undated and unsigned. I have uploaded all that they sent into the following link. Could someone check t out and let me know what you think? Pictures by seachan1 - Photobucket Thanks Seachan1

Thanks Cerberuseralert. I/ we will send the letter you have shown. Very good advice Seachan

Thanks Mr. Ton Will do. I thought as much. Until they actually send an agreement - whether enforceable or otherwise - we are under no obligation to enter into any form of dialogue - including a response to a further letter. Is this the case? And I will recommend that my other half reports them to OFT etc Thanks Seachan 1

Hi guys I have two DCA's - AIC and HFO - who are chasing my other half. I have taken advice from the forum and have my own DCA's under control but both these two have had CCA requests and continue to call. We do not mention that we have sent CCA but just refuse to speak to them point blank. AIC are particularly unpleasant though we know that both of them have received the CCA as they were sent recorded and received. What is the line to take with them? Is is best to just keep playing this no comment game or send another letter reminding them of their obligations. Does anyone have any experience? Thanks Seachan 1

Hi DJT I am no expert but it still looks like there is some evidence on your form that could lead back to you. Watch out for things like account number in top right hand corner and the allied number at the top. Apparently these people check these forums and they could get a heads up on your strategy. Best Seachan

That's a great cartoon. I'm going to have that picture in my head when they next ring up to annoy me. I will smile to myself as I'm saying could you hang on while I press record! One of the DCA's I am currently dealing with have a policy of not giving out their last names. Unbelievable! Thanks again

Thank you for that. i just wanted to put my mind at rest. The advice I have been given on here is excellent.

Hi guys I am concerned with on-going sagas concerning two DCA'a that I may have unwittingly put myself at risk of forgery by sending letters with my signature on them. I have asked both of them for the CCA, sent recorded etc, without a signature but previous letters have had my signature. I have read on these superb pages that DCA's will pull any trick. Is this really a reality? Thanks in advance for any thoughts

Thanks Davey77. I have removed the pic and will replace - thanks. Will also send the letter. I am grateful for your help and the help of the forum. I would also like to know more about how I can help in the future. I am very happy to make a donation in due course. I think the speed and nature of the advice on here is remarkable Best wishes for now

Hi guys I have just discovered on another photocopy from Cabot, which was much smaller, that there is a bar code on the side and beside that the words: application form. Here is the text of their letter to me: Dear x Your query We have acquired the original application form from X relating to the account and have enclosed a copy for your attention. If you now recall this account as belonging to yourself, it is important that you contact us as a matter of urgency in order to discuss your payment arrangements. Alternatively, if you still dispute ownership of the acount please contact us on the above number to discuss the matter further. etc Given that what they sent me is an application form and they mention that the account is in dispute do you have any alternative advice? Thank you in advance

That's interesting. i will send the letter and see what happens. Thank you so much