Your a genius! Thanks I'll get working on a suitable letter now!

Very Good:-) I'll get complaints off, but what should I send ARC? or should I just sit tight and see what comes next? Thanks again

Hi I sent original CCA request to Moorcroft last year. They returned my cheque and said I had to write to Egg. After taking advice on here, I did not contact Egg and sent Moorcroft the dispute letter. I heard no more untill ARC came along. I have sent them a copy of Moorcrofts letter but they still say I need to contact Egg and that they will continue with proceedings. What should i do next? Thanks

THANKS, i'VE ATTACHED THE LETTER USING PHOTOBUCKET, HOPE IT WORKS!

Thanks for all your replies. I sent the letter suggested by 42man and have received the following letter from ARC. Please note that ARC are a debt collection "agent" acting in good faith on the instructions recieved from a "disclossed" principle namely Egg Banking. We are therefore authorised to write to you in connection with the above matter and to instruct solicitors on contemplation of court proceedings where we consider it appropriate to do so. Please note that there has been no assingnement of the debt from Egg to ARC Ltd. The letter goes on to say that Egg have no record of my request for a copy of my CCA and that I should write to Egg for a copy as Moorcroft Group suggested when I asked them for it and they returned my payment. What are your thoughts and what should I do next? Many Thanks

[ATTACH=CONFIG]24866[/ATTACH][ATTACH=CONFIG]24865[/ATTACH]Hi everyone Thanks for all your replies. I sent the letter suggested by 42man and have received the attached letter from ARC. What are your thoughts and what should I do next? Many Thanks

Hi All Last year I sent a CCA request to Moorcroft Group who were dealing with my Egg Card Account on which I was making a monthly £1 token payment. They returned my £1 fee and said that I had to get the copy CCA direct from Egg. After advice on the forum, I sent the dispute letter and heard no more. Two weeks a go, I had a letter from ARC chasing payment in full. I wrote back saying the account was in dispute. They replied that neither they or Egg know anything about my CCA request and I should take the matter up with Moorcroft which I'm sure is not right? The very next day, I recieved a letter from Trevor Munn Solicitors saying they will comence County Court proceedings in 10 days if I dont repay the account. My question is, where do I stand with this and what should I do next? I would really appreciate any help. Thanks

Hi All Hope someone can advise? A freind has received a letter from Albion Collections Ltd asking for full payment of their Halifax Credit card even though she is only one month behind on her payments and has not been sent a default notice or termination notice? Can they do this and what should she do? Many thanks for your help

Hi Rebel Thanks for your reply. I've amended the attachments so hopefully they can be read now. How should I proceede? Thanks

Hi All I sent a CCA request to Lowells last Sept and had a reply back saying that owing to the length of time that my account with Barclaycard had been open, that they were unable to supply me with a copy of the original agreement and therefore Lowells were closing my account. Today, nearly a year later, I have received this letter from Barclaycard. All they have included is generic copies of terms and conditions and nothing resembling an agreement form and no prescribed terms or even my name and address. My questions are, 1. What does all the bit about CPR mean? and 2. What should I do next? Many thanks for all your help. Bcard Page 1.doc Bcard Page 2.doc

I dont think this would be classed as a remortgage as the names on the mortgage/ title deeds will change and the size of the mortgage will change. If you've seen a good mortgage deal for first time buyers which you cant find elsewhere for any new customer ( which I doubt really is the case if you do some homework) you could put your girlfriend down as the main applicant in which case she would qualify as a first time buyer I believe. However, check how this would effect the income multipliers for determining how much you can borrow.

Ok. I sent the "Account in Dispute" letter including the bit about; If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. as suggested by cerberusalert, but today I have received another letter from them saying again that I need to contact Northern Rock direct for a copy of the CCA. What should I do now? Thanks

This is absolutely outrageous. If this is not harassment and intimidation, I don't know what is. If anyone still has a moral issue about not paying money to DCAs, they should read this. Does anyone think there is any chance that the call was recorded and therefore sending a SAR and requesting a transcript of all calls might reveal something? Just a thought, as I hate to think that this low life can get away with this.

Hello H What type of account is it, when was it opened and approx how much is outstanding?