Hi Not sure what you mean subbing? Can you please explain Regards

Hi Simon No the loan wasn't secured The loan was taken out in 1998 for 10k, I have paid back over 10k but the dca said I owed over 23k due to interest being added at 420 per month.

Having been taken to court by a DCA back in Oct 2008, they were instructed to provide my signed cca & statement with in 21 days. I have been back to court is week were the DCA was unable to provide my cca, the court have issued them with an Unless Order that by 4.00PM 12/03/09 they have not provided me with my signed cca the alledged debt will be struck off, if after 4 months of not being able to provide my cca I don't think another 28 days is going to make any difference. I now require any advice on how I can reclaim any monies I have paid the DCA, due to when they bought my debt they did'nt have my signed caa which makes any action unenforceable. Regards Mr Very Happy :lol: It's put my faith back in British justice.

Having been taken to court by a DCA back in Oct 2008, they were instructed to provide my signed cca & statement with in 21 days, I have been back to court this week, the DCA were unable to provide my cca 4 months later, the court have issused them with an Unless Order that they provide by 4.00PM 12/03/09 my signed cca the alledged debt will be struck off. I now require any advice how I can pursue the dca in respect of all monies I have paid being repaid to me, because when they bought my debt they didn't have my cca which makes any action being unenforceable. Yours Mr Very Happy