Hi Dotty Yeh I'm fine things are quiet at the moment but I have probably tempted fate now - the lowlife monkeys Link have been especially quiet with me but as I decided to keep paying them irrespective of the fact they didn't have the agreement they stated they should think themselves very very lucky indeed. Hope you well and everything going okay for you. DG

What you worrying about you are you and if you are happy with how you look and how you feel in yourself stuff what he thinks. My hubbies ex and I'm going back a long time ago used to make me feel inadequate - rubbish - but hey - I got over that, looked at her and thought why should she make me feel like this, I said to myself I don't care and it worked - she was probably jealous cos I'm younger. So stuff him and his other half and just think I like me, other people like me, and I won't let you get the better of me. I've been dieting on and off for over 30 years, weight goes, it comes back, it goes and so on. Diet for yourself not for others thats the worst way of dieting. Have you checked that it's not a medical reason you've put the weight on such as under/over active thyroid? DG

If Calders are now attempting to collect on this debt send them a CCA request as Barclaysharks must provide on and at the moment they are having problems providing copies of signed agreements. I only say do it them as Barclaysharks have made it clear they wont communicate with you in writing. Make sure you remember to enclose £1 PO and send it at least RD if not SD Send both Mercers and Calders the harrassment letter and send them RD. I know you will probably find it hard to find the money if you're waiting for benefits. They cannot send baillifs round only a court can order a baillif to call and they've not taken him to court or obtained a CCJ have they? The worst they can do is send a doorstep collector and they have no legal powers whatsoever. If they send a doorstep collector they should write to you advising of a day they will call and then you don't need to answer the door or speak to them. You can also send the "dont darken my doorstep" letter if they threaten a collector visit. Remember these are muppets probably just left school kids who don't know any better and most of them working on commission, the more they can get out of you the more commission they make. Also remember that what you haven't got they can't have and even if they took him to court a judge would only order him to pay what the judge thinks he could afford which could be a low as £1 but thats a long way off if it happens at all. DG

Crapital1 are also having some problems in providing signed agreements as are Barclaysharks. Get the CCA request off, don't forget the £1 postal order, and make sure you emphasis the everything in writing only. Remeber to send the request off either RD or SD. It costs to much money send a collector out and if they did they are not allowed under the law to discuss anything with anyone but yourself unless you give them authority to do so. If they send a collector by law they are supposed to send you a letter advising of the date that they intend to call. If you don't want them to call on that or any other date you would have to ring them (according to the letters) to tell them don't call. If they sent you are card or letter with a date on you can send them the "dont visit my premises" letter. They have legal right of entry, cannot remove goods etc., DG

Make sure you don't open the letter either. I know it's addressed to you but as you don't live at that address you/your parents shouldn't open it. If they try ringing your parents they just want to say you don't live there and haven't for years and they have no contact number as you don't keep in touch and if they don't stop calling send them the harrassment letter. They can still trace you if they want if you are on the electroral roll unless you have changed your name. DG

How low can they go obviously rock bottom and below. Tell her she must not pay them anything. I'm sure if they are that desperate they can trace your friends son ie through the electoral roll etc., They can't do anything to your friend it is not her debt. Make sure you help your friend to write the letter to TS and after posting it phone them and check that they have received it, in fact, as it's election year get her local MP in on the act as well. DG

Probably end us passing it on as they don't seem to hang on to many debts at the moment for too long. Next time you ask for any take the persons name and write it down along with the date and time so you can prove you spoke to someone. Also if you can check your phone bill and highlight the calls you made and keep it safe - just in case you may ever need it. By the way a lot of DCAs are passing debts back to Crapital1 as they're not managing to collect anything. DG

"The French people sorted that one out. They rounded them all up and chopped their heads off. " Goodness me I must have been very busy lately to have missed this one on the news ;) Sounds a very good idea but I dont think we would get away with it. What a conicidence really as just had a knock on door, go to answer it, guess what it's our local MP just seeing if were happy with everything they've done in the area, guess he wishes he'd not knocked, I gave him my opinion in a 20 minute lecture on the doorstep, somehow I don't think he'll come knocking again. Cheek really asking me who I'll vote for said probably none of you. One down two more to go. BNP didn't knock this morning just pushed loads of rubbish through the letter box. DG

No! No! not love and kisses has to be bananas and nuts just like the monkeys like. Go to it, get them with their nappies down and watch them spit the dummies out and stamp their feet. DG

It would have been transferred to a court near for him so much stuff comes from Northampton. As long as you get your proof together everything should be ok. You cant be blamed for anything as its nothing to do with you and as above you should ideally do this before they call. DG

Have they said who they are or mentioned to anyone what they were calling for? Tell them to stop phoning your workplace as this could result in you losing your job and if they say they will keep phoning tell them you will report them to TS, OFT and anyone else you can think of at the time. Tell them that all calls to and from your workplace are recorded (some companies do like where I work all calls in and out are recorded.) If you have a receptionist who puts the call thro ask them to tell anyone who phones for you other than immediate family (I assume they would know who they are) that personal calls are not allowed anymore. You could also amend the harrassment by phone letter to include your place of work and your mobile if they know that and send that to them special delivery, I know it costs more but its guaranteed delivery by 1pm next day. Then if they ignore that letter as well report them to TS/OFT. DG

Dont forget to send it at least recorded. Dont forget this account should now be in dispute anyway. DG

Sorry not much time at the moment to go back over your thread but personally I wouldn't admit to entering any contract with anyone unless you have the CCA and a signed one at that. If you admit to that then it wouldn't matter if you received the CCA or not. No CCA then they wouldn't have a leg to stand on. If you admit to having entered into an agreement then should it ever go to court you could not use the no CCA in a defence. By the way don't forget to put your dates in the letter. DG

If you speak to them 3 times in one day thats enough - if they phone you and you speak to them more than 3 times in a day then that can be classed as harrassment. They should not call you on any religious day but we all know they do. You could buy a whistle and blow that down the phone when they call. You could answer the phone and say wait while I get him/her then keep the phone off the hook and leave them sitting at the other end like the plonkers they are and get on with whatever you were doing they should take the hint after a while and hang up. Any security questions they may ask dont answer them and say well you phoned me so you should know who you've phoned and hang up. Or phone them up and say hang on and go make a cup of tea and waste their time but remember to withhold your number and only do it if its not going to cost you anything. You can if you feel up to it have some fun thinking of things to say to them they'll get fed up after a while. DG

Thats about par for the course with CL DG

Is that the full amount you owed? If it is they shouldn 't call you again but thats not to say they won't. They will probably tell you it is more than that coz they've just added interest and charges for late payment. Did you know you owed money to them as they are obviously collecting for someone? Lowlife **** that they are DG

Hi Marse I'm sorry but I can't help on this one but please be patient someone will along who can help or will know someone who can and will let them know. Some of the caggers don't log in till much later. DG

Never, never a 1000 times never trust a word this bunch of parasites say. Get everything in writing, never ever speak to them on the phone. As posted above they will conveniently lose the tapes of any recordings. I spoke to them time and time again and when I asked for transcripts for the court case they decided we only had three conversation. You live and learn with help from the caggers. Anything you send to them should be recorded or special delivery. They may not sign for anything but you will have a record that its been delivered. When you get your response from them scan it up minus your personal details, barcodes which may be on letters and anything else which you think they may be able to recognise you with. I never received any deed of assignment from the parasites but GE seem to sell everything to these parasites. Guess you can tell I dont think much of them. DG

Im sure someone will correct me if Im wrong but I understood bailiff only calls if you have a CCJ and dont keep up the payments that the court instructs you to pay. I assume you have been threatened with a visit.

Did you do 1471 to see if the number was actually stored on your phone? No number stored wait for the next phone call and say exactly the same to them and you could even add a few explicits but make sure you get the same bloke and tell him this time the call is being recorded. DG

If the judge ruled 27th for response and they've not done it - should be end of story as far as I know, if I'm wrong someone will let us know. DG:)

Why not send the nutters a "don't know who are you" letter. They think we are all stupid, I'll send you a letter and ask for money from you, yah like you'd pay me. DG

They can demand all they like £50 £100 etc., but the standard fee for a CCA is £1 tell them go shove themselves but I doubt they could even get that right. When was the last time you paid them? Did you get proof that they had bought the debt? Have you had any statements? Why not SAR them for a tenner and get your statements as well so that you can go after the charges? Show them you mean business and that you know what your rights are. DG

I received a letter from the court telling me the case was struck out and they gave them 7 days to respond (this was with Link), I called the court after the 7 days and was told they had not responded - end of story one would hope that was back in early 2009. Not a peep from them except for a statement at the end of 2009. DG

Did they not even pay you statutory sick pay? I was under the impression that it is against the law to give anyone a bad reference that may make a prospective employer change their minds and you do have the right to see a copy of the reference that was provided just as you can ask to see your medical records. Make sure you check the guidelines of the grievance procedures with you ex employers and tick their butts. It is disgraceful that someone can be treated so badly. DG