Sorry if this has been asked before but its the first time I've ever seen it. I got a letter from Hamptons Legal acting on behalf of Lowell (who are ignoring CCA requests) stating that they are going to get a copy of my credit file from Experian which will help them decide what form of litigation is best for them to recover the monies that are due. What right do they have to access my credit file??? Can I stop them or take action of any kind? Thanks

Hi There is a thread on the forum discussing getting paperwork on CCA and PPI under the court disclosure rules and not s77/78. The theory is that this makes the company take more notice because you are acting more litigious and not just looking for a standoff. The FOS are snowed under. Don't expect any action this century!!!! I would suggest taking the fight to Egg. I have found one company claiming not to take any upfront fees or success fees if you can't do it yourself. Try Edit I have no shares or interest in this company.

Hi Also I've had a quick look at the agreement and ask if you took out the PPI with the card. This would give you a seperate opportunity to make a mis selling claim for the PPI and get all your premiums back.

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements-guide.html This link will give you all the info available on chaecking enforceability.

Hi Advice here http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements-guide.html says they can't pursue you for the debt until they comply with the request for a copy of the agreement. As stated you should report them and complain about them to all the statutory bodies including the OFT and MoJ who issue the licenses. You could also write to them again pointing out their breach of the law and informing them you have complained to the authorities about their actions. As far as your credit file is concerned it is more difficult because somewhere on this forum is info on claiming back payments already made under a credit agreement and the opinion is that by paying you agree that there is an agreement until you stop and find out its unenforceable. Thats not the same as void and it would be hard to argue because you have made payments.

Do they not have a legal duty to give best advice??

I have conducted a survey into debt management companies giving advice on Unenforceable Credit Agreements. Not one advisor from any company recommended I seek advice on whether any of my credit cards or loans are unenforceable. I think this is bad advice on their part. They actually bad mouth the entire practice and make grossly misleading and untrue statements concerning unenforceable agreements ranging from ' no one can get an agreement judged unenforceable' ' the government are stepping in to stop it' ' the companies offering this service only stop your creditors from chasing you, not get any debt written off' ' if it was true then everyone would be doing it and the finance companies will all go bust' Some of then suggested I go on the 'consumer credit forums' and see what they are saying is true. Anyone want to confirm they are telling the truth????

I would stop paying. I have done some mystery shopping with debt management companies and they have been trained to say the unenforceable credit agreement route is a con. They say that the companies offering this service get the debt stopped for a period of 6 years but cant legally get any debt written off. Quote ' If they could get debts written off then everyone would be doing it' Unquote. EXACTLY THE POINT I THINK. They then say the government is stepping in to stop any more unenforceable claims???? I think all debt management companies are giving bad advice and should be investigated because they won't consider the unenforceable route. So to sum up. Don't pay another penny until you have been showen irrefutable proof you owe the money.