Hi BB nice to hear from you,,,how do i go about that and what do i say,,also may i add that the default is actually a different figure to the letters they were asking for about £100 less.....this is a complete joke this,,rang experian and they said they will contact them but aint holding my breath....

Thanks in Advance again

So what they saying is i took the account out when i was 11 years old and there is no proof whatsoever that the debt is mine but they can still mark my credit file just for the fun of it.....????

It's another dodgy debt collector. They call themselves Legal & Trade Financial Services. Their office is at 33-34 Winckley Square, Preston, Lancashire, PR1 3EL. They appear to be part of something named IntelliRisk Management Corporation.

Ok still no reply from the arses at littlewoods however checked my credit report today and they have put a default on it.whats my next step since they aint got proof the debt is mine,yet they still default my credit report???....

thanks in advance

Hi there dunno if i posted this in correct place and didnt want to post this on my other thread but is it legal for a DCA to search my credit file without my permission.I was on Experian yesterday to see how mine was looking when i notice clowns i mean lowells had been mooching around it in november?

Ok sent off on friday will keep you posted.However what amazes me is that they say in there letter that the account was started in 83,,well call me stoopid but they gave me an account when i was 11...priceless:D

Wonder if someone could draft some sort of letter to them im no good at this stuff,,only stuff i do know is stuff ive read around the web and have no idea on legal ins and outs etc...

Help appreciated,,

many thanks:-)

Funny that my neighbours cat use's Kays not Littlewoods.

They aint threatend legal action allthough phoenix/carter did till they put it on hold then this gumpf from littlewoods.All they sent was a 2 page credit agreement which im guessing is the one they use now and the letter which i typed out in an earlier post.So basically they trying to pull a fast one as far as i can see because as far as i understand no signed CCA then no proof debt is mine regardless of what info and spiel they send am i correct on that?...

Thanks again.

Problem being if it is a problem they dont actually state that the agreement they sent is the one its just a copy of the one they use now "This version includes all contractual variations which have taken place"

So im not sure on the wording do they confirm or not because if they dont then i cant say that since you have confirmed if you get me drift.

Thanks for the help it is appreciated.

Ok what letter amongst that lot would it be and what do i need to put in it im lost,,also have they got a case or not

thanks in advance:-)

Ok then here we go again,got a reply from someone in the debit sale management team and basically it says:

We refer to a recent request for a copy of your agreement.

Unfortunatley we are unable to locate a copy of an executed agreement,but for your information we enclose a copy of the current agreement which applied to this type of account.This version includes all contractual variations which have taken place.

According to our records,the account was opened on 07/10/1983.You agreed to make payments every 28 days.

The oustanding balance is currently £1856.50.Our records show that £0.00 in payments have been made within the last 12 months..

If a third party is acting for you,please pass this copy of this letter to your representative.

Yours Sincerely

Julie Bracewell

Debt sales management team

ok so ive got a copy of a blank credit agreement and it aint even the original one.Could do with some help its took them over 3 months to come up with this...

Thanks in advance whats my next step.

Had a funny one yesterday a bit off topic but thought i would share,,had a phonecall from a DCA on behalf of lowells about a debt in 98,,,funny thing is im xdirectory and number dont show when i ring out,,,i called lowells and they had 3 numbers for me,,i didnt give them and they were also old numbers that were ex directory told them to remove them and changed number with bt again,,the cheek of it.....

Ok just an update,recieved a letter from Bryan Carter and Co stating that the account is on hold till they get intouch with there clients,,thing is the 14 days are up on monday what do i do from there or do i wait for them to get in touch again???

ok here is the CCA request im using will post it first thing monday.....btw thanks again:grin:

Your name address & date.

Dear Sir / Madam,

Re:− Your Account ref no.

I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter.

1. You must supply me with a Signed true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose £1 in payment of the statutory fee.

2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

Non-compliance with my request is an offence under the above Act and will result in a report being submitted to the relevant statutory authorities, therefore if I do not receive evidence that I owe your company any monies by (enter date) , I will have no hesitation in passing your details to the Office of Fair Trading.

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

You are aware that this request must be complied with within the next 12 days allowing a further 2 days for postage, I therefore look forward to your response within the next 14 days.

Yours faithfully (Print name or sign in a style that differs from your usual signature)

So i just send a standard CCA request to Frederickson and i take it i wait for the 12+2 days also on the postal order do i make that payable to Frederickson too,,sorry for sounding daft just have to do this right and no good with this legal malarky:smile:

Thanks for the quick replies its good to know people can help..Question i got is who do i send the CCA request too,,do i send it to Carters,Littlewoods or Fredericks...Sorry to be so dumb but i am so go slow...

Hello all and where do i start.After months of sticking head in sand ive decided to do something about the bully boy tactics regarding littlewoods.Today ive recieved a letter from the wonderfull Bryan Carter & co giving me 7 days to pay the debt plus extras added by them on a debt i was disputing in first place.Problem being i know they aint/wont have a signed CCA since the account in dispute was made with Marshall Ward over 20 years ago and was never signed in first place.However this so called solicitors are threatening to issue procceedings if they dont hear from me or if i dont ring fredrickson international within 7 days,any help would be greatly appreciated..can scan and post letter i just recieved if needed.....

many thanks

Mick