Hi Rev.ian, I know its been a while since you replied to my request about Carter. I sent the letter off and one came back detailing all that I have paid. I now need some advise on the same matter but this time from Capital One who sold the date to Carter a few years ago and who obtain a CCJ for the debt to Captial One but paiable to them. Yesterday, I received a letter from Capital One stating that they have now taken control of the debt and that all other payments should be paid to them. They want full payment like now. They have asked for £508 when the CCJ which is still inforce for about £244 poundsish and I only need to pay £1 a month. Since they sold the debt to Carter who obtain the CCJ for the debt that I ran up with Capital One surley do not have the rigth to tell me that they now have taken over the debt again and demand payment. They discharged they whole right when they sold the debt to Carter and I have not receive any demand from them. What is going through my mind is that Capital One are trying to make me pay double are ignoring the CCJ and that they are trying to cash in on the 6 year rule of limitations. Should I ignor the letter and wait and see what happens and if I receive a nice letter of them again demaneding. Kindly remined them of there actions and the CCJ and that they have no right whatsoever, Or this one I like is wait till they send out a court papers then write the CCJ number on the papers and explain that they new this and are just trying to make me libel for money not owing to them because of the CCJ they have already and are trying to use the court system as a tool to may a false claim. I would like to know what is the best method Lss017

Hi Just would like to add about Egar my mother had here heating system install many years ago by egar and it worked for years without any problems. So, I thought it was not until last year that I had cause to say at my mums for the evening and tried to have a hot shower. That was a laugh. It was a case of 30 seconds of hot water then cold the rest of the time. I asked how long this had been happening and she said a few months ofter is had been installed. Don't get me wrong when we visited her he heating was alway on and it was like a hot house. I just thought that she was cold all the time. So, I called EGAR and told them the problem and then they said that we would have to wait 6 months for a visit to put this right. Well, we waited and waited and waited and waited this was in April 09 fianlly Oct 09 we got a letter saying an engineer will be calling on the 10 November to assess the boiler etc. The came but this engineer was not an engineer just a cleck who fill out paperwork in there terms a breakdown report. They wrote no hot water but had heating. Then we got a call asking if we had complete the simple test to ckeck about the hot water. I told them that my mother is 80 years old had no cares and lives on her own can't see very well. So, how do you expect her to do that. In the end they said they would send out an plumer. They did what a was of time I got a lecture on how a boiler works and was told it was a sensor that was not working. An hour later the heat went off completely and so did the water. This was when the snow was on the ground in Janurary. Phone them right away explained they said they could not get anyone there until the following thursday. That was almost a week that an 80 year was without heating and water. I had to buy heaters and a very large kettle. Then a week later another plumer appeared this time he was wearing the EGAR uniform. He pulled the boiler to pices. I just show him shaking his head all the time. I asked him what was wrong. He looked very pale and said if this boiler had kept on working long then the hour it had who ever was in the house would have been blown up. The work that last plumer had done was with old parts form other boilers that should not have been used. had turned up the gas so that it was as its highest to make sure some water was heated. The guy was not pleased and asked if we kept the paperwork from the other plumer. We gave it to him he call there office and had a conversation. While on the phone he asked if there was some parts in stock. When he finished he said that he would be about an hour before he returned with some parts. Sure enough he did come back but could not get all the parts. It would be another day or two before the main part arrives would it be alright to come along and fit it. The following day he came back fitted the part turned down the gas etc and now for the first time in a few years my mother has a hot shower every night. The point I am trying to make is that EGAR do have some right cowboys working for them but get the main plumer/engineers and you get a briliant service.

Hi Missy, Just like you I have problems with 1st but I was so shocked to see your Credit agreement all the pages. To this day I have never every had such a document of any Credit Card Company or Bank It always been just one page with sign here. If that is a what a credit agreement such look like then there is a God. Babybear help me when I was ready for doing something really silly with a bottle of pills and it was not asprin either. Due to 1st credit and lots more. Follow there advise and you will smell the roses again. Just dispute the stuff like I did you still get letter of them but its nothing you can't handle.

I have just like yourself been in conforntation with 1st sent them a letter in there own envelope because they would not acknowledge my subject request all done the correct way. I put on the boxing gloves and sign it will all my qualification from PHD to BA.. For some strange reason they actually wrote back that time. They sent a letter saying that the account would be on hold until all copies of legal documents had been forwarded. In my language Disputed They have sent me lots of statement an application from but no T&C with my signiture. They even sent a copy of the letter from Barcard saying that that they now own the debt and its there responsiblity to deal with it. They have now sent a T&C which is totally illegal can't make out anything it says. With the blessing of Barcard stating that the account was varied and that a current T &C is valied. They further state that a T&C does not need to be signed. Since the account I have with them and its there responsiblity surely since its been in dispute a current T&C 2009 does not apply to an account taken out in 2004 ish might be earlier.... and more to the point I seem to have another company who is chasing the same Barcard account. That is why I want to see what they have to see who I do owe the money too. Any suggestions.

Dear Spamalot, Could you please give me some advise again throught all my problems had be solved. Sent them a letter asking for a true copy on that is signed by myself under the CCA 78. I really wanted to know what card this is for because I have a CCJ from Barclay Card and the card they say they have is a Barcaly Card. Just really confused. What it is 1st Credit have now send me a letter which contains a copy of there Terms and Conditions there are no signture no dates as when it applies to and its really not legible either. The only writing that is ligeble is the T&C words and Cancellation form. In there letter they state this: Since the terms of the agreement were varied it is necessary to send the most recent version of the credit agremment as amended. This version will contain the terms of the most regulated agreement for the purpose of Section 78 and the Regulations because the Regulation require that the up-to-day terms are provided (Regualtion 7) I enclosed the most recent version of the credit agreement that is applicalbe to this account as amended. Section 78 of the CCA 1974 and the Regulations provide that the documents provided under Section 78 do not have to contact any signatures or signature blocks. One thing I know is that I was never told that it was VARIED and the agreement that they have now would not apply to the agreement that I was surposed to have signed. I just want to see the document I signed but they have never given me anything. So I just ignore the letter because want panyment to commence in 14 days or the full amount. Any suggestion as to how to go about answering this letter? Lss017

I have had a look and No its not its very hard to see like yours its microfiche it does concise of two pages one containing 10 sections like empolyment details, bank details, address details, a password then my signiture. The other asking if uk citizen etc but it is only on the second paper that the name of the company the name appears it is not an individivual application. just look box standander. The first paper does not have the company name on only my signiture. to be honest if I did not now which company I was dealing with would not know which company I had applied to. That the best I can say

Hi Mr Ton, You have just made me laught for the first time today so it just a case of see you in front of a judge but and keep filling the letter in the bin or keep them.????? By the way I reported all the DCA to OFT and some to SRA and other but nothing has come of it. What you might find interesting after quoting all the laws, sections and subsetions of the CCA the staff at some of the DCA wrote that this dose not apply to them. After a letter like that what are you surposed to do it just beyoned believe. I did write back disclosing my full titles infront and and after my name had no effect whatsoever. That was a good giggle spent years learning and training and working just to be told that its usless to poeple at DCA's

I have a digital camra and can take a picture but my scanner broke months ago and not be able to replace it yet. I beleive the thumb nail available is not good enough to see. Could you sugget an alturnative method.

Dear Spamalot, I know its been a while but since my last email but this is how long it has taken. Cabot have sent to me it looks like every single statement on the account I was sent by Morgan Stan Bank and it looks like the agreement an agreement that I signed. They say that they have fulfilled there part of the Credit Act now they want payment in full or payment plan. Now what do I look for to see if its enforceable by a judge. Out of all the other DCA this is the only one who has manage to do this others have sent just bits of paper with out TC and another one sent a copy of just a general TC belonging to a company no signitures no nothing. I have wrote back to this companies several times stating law and the sections of law they they have not fufilled there part of CCA. They say they have and that the account is not now in default and demanding payment. Just keep sending the same letter over and over again and they just keep sending letter asking for payment. Do I ignore this until they take it to court and present my CCA route and that they have not fuilfilled there duty of care by sending a True Copy plus TC or responded????? I have gone down the CCA route as advised come out the otherside and now in unknow waters at how to procceed next. Advise please.

Dear Babybear and Re.Ian, I have recieved a reply back for statement of accounts from Bryan Cater and you would never guess what they have stated in the letter. According to them the Debt was for £535 in feb 2005. They have added a claim ment fee of £20 a Claim Cost £50 a Judgement Cost of £40 intotal £645.62p. The statment detail all the payment made including the ones I never sent at this point I owe them accounding to thier Statement of Account is £600.62p There is no mention of the CCJ at the orignial amount of £288 and how it was it was workout. Can you now advise as to what I do know with Bryan Carter should I write back is so what should I say?? this is new growned to me I have never dealt with a company who does not obay the finding of a british court.

Just a thought could I ask or offer a final settlement of 10% of the order, everyone else tries. Just wondering it taking such a long time to pay off he would settle for a small and final sum????:grin:

OK, I have wrote the letter its in the envelop with 2 second class stamps on so that he will get it . Mind you the stamps have been stuck on with glue they were found on the street next to some doggy dodo:grin:. Just have to wait and see what happens. How come he only went for such a small about when it was for so much!! All the DCA I have had dealings with have tripped what they said I owed. Not the revers WHAT'S YOUR SECRET?

Dear Rev.ian, It was begaining to struggle a little for help with this issue. Now I know I have to send a letter and what to request. I will be doing that as you are reading. Lss017

So the letters they sent were for want of a better phrase unenforceable and I only owe the small amount on the CCJ. That's great!! I know its only a small amount but can I write to them and ask what they would take for final setellment of the am out owing.

Hi AC, I would love to hear from you I have addressed all the DCA with CCA and all but two have answered acknolwedging they don't have the paperwork. In responce I have sent them the Account is Dispute and it worked stop payment to 5 of the DCA and just waiting to see if they contiue with there agressiveness. Thanks to everyone here. I would like your help again I have 2 more issues well 2 CCJ the smallest I am trying to deal with myself but if I need help I will as the forum again. The main and has alway been bigest problem is with Barclays and the Loan with the PPI, which I took out pre June 2005. I have read the PPI thread and read if I was miss sold the PPI and believe you me I was. Just have one problem I do not have my PPI number just throw all the documents away when Barclays just refused to acknowledge or honer. The CAB also said dead and gone. The JJC with Barclays was for the loan with the PPI if they had honered their agreement I would not have the CCJ or be paying a £1 month on a debt of £4000+ It would not excist. What do I have to do in order to make a claim? Can I still make a claim without the PPI number. The preson who sold the PPI just explain that it was personal insurance on the loan and would be paid off if anything happen to me and would cost X amout per month over the life of the loan. That was it Can you make a suggestion about how to deal with the PPI. Kind regards Lss017

Bryan C company can someone help me write a letter to them. I have the CCJ as mentioned earlier back in 2005 but noticed that the CCJ was for £288 and BC are charging me £645.62p. Can some one suggest what I should write to them to clarify the situation. I Thought something along these lines. Dear Sirs, Re: Account ************* Please could you provide a breakdown of payment which you have received on the above account, which has the following court order number **********. The reason seems that there is a huge discrepancy between the Court Order and what your company state is owned on the account from your last communication with me. I want to clarify the situation a soon as possible. Your sincerely, M*********

OK, I can do that without a problem I will keep paying the £1 so they is no come back. I all so found something else with another company not going to say who will call them company A but this is what has happen. Company A took over a debt from a catolgue company and for 23 months the letter I recieved from them stated the account number etc. Then there was no monthly statement from for 4 months the next state I received the account number the reference number and money owed was the same. The thing that had change was the name of the company who the money was owed too. I have left it and did not enquiry who I was paying at all. Since company has the same account infor for 2 different debts surley neither are enforceable. Yes have CCA got any thoughts??????????

Babybear, They have I'm living proof. I have been going through my bank account which I use for paying bills and I noticed that I seemed to be paying more than I was sending CCA too.... So, looked at paperwork going back to 2005 May and sure enough Bryan Carter have done that I recieved silly I know a CCJ from Capital One for the massive sum of £288 this inclued the credit card money owned and court costs. At the same time Bryan Carter sent letters saying that I owed at first £535.62 then a month later £605. Then a month later £645.62. Now, on the 24rd June 2005 Northampton County Court mad a Judgement for Claiment for £288 (as above) . I have been paying for 4 years the sume of £1 per month which if my caluclation are correct I only owe around £240. Can someone please tell me what I surposed to do ???????????????????????? PLEASE Then in

Hi everyone, This is the lates on my CCA to the following Mackenzie Hall returned my letter and postal order saying that they are no longer in control and have passed the debt back to the orignial owners. I take it until I hear something about the debt forget about it?? The other companies of Cabot, 1st credit, Robinson Way have not produced the CCA and its now 15 days since request. Therefore, I have sent the next letter saying that the account is in Dispute until the original documentation is produced. I beleive I have followed the right course of action. Could some one tell me if a court order is made for the Sum of £288 at £1 a month can a company say Bryan Carter buy the debt then force you to pay £667 for the same debt of which there is a court order for??????? This is very confusing to me!!!!!

Thank-you so much WalshMam. The oringal lone was for 15,000 so I have follow the right course of action without knowing it. Thank you so much again puts my mind at rest. Just have to wait for Cabot to actully inform me as to what the loan was for.

Hi everyone, You would not beleive this but I have been looking at the Cabot letter what I thought was for a credit card but it say on there letter i.e type of account Motor Loan. Can you just advise going down the CCA route is the right course of action since it could be for something complete different than I thought. Mind you it would be a good because it would clear up any missunderstanding. Can anyone tell if this is the right way to go!!!!!!!!

Hi Babybear, Not bothered about them selling the account to anyone else because I know they can't never get the oringial paperwork it does not excit the company does not either. So, let them bring it I'm now aware there is a course of action that I can take. As for hillesden still newby on this score why or how would I report them to TS and OFT. I am not clear as to why I can????

Yes but Cabot say they own the debt not Barclays. So the original was Morgan Stanley that was a few years ago and a few companies ago. The paper trail would know be cold?????????

None of this letter came recored deliver just in a white envelope address to me from Mailing. Since I had been paying the debt faithfully to MSMB or Goldfish every month for sometime I wanted to keep up the payment so once I recived the letter which are signed I wrote back. However, I told them that I was very surprised to received this letter because I had not recived a letter from GoldFish on there letter headed note paper informing me about this only the one you had sent. They acknowledge my letter tried to make me pay more then I could afford. That's when I told them I had already been thought the mill with the other debt agenties do don't try any funny stuff. Furthermore, signed the letter with my full title did the trick. Apart form on the 17 April 2009 received a letter of them which I did not request an extra payment slip as they stated. Does that help