Thanks Silverfox, excellent. I will await their next steps, and then go down the CPR route. Why if the debt was on the credit report after six years it has been removed, are they claiming it's not covered by the CCA? For the debt to have been on the CCA, it must have been covered by the CCA. Your right, if it doesn't smell right, then it's off! I've wasted enough of my weekend on this Cr*p. Time to forget, until the next letter, lol. Thank you R4bb1t

Thanks Silverfox! April 2008 I received a letter from Rockwell informing me of the transfer, prompted by a letter asking for proof. I also received a letter from them saying they can't find the paperwork for the CCA. They now claim the current account is not No default yet, (the loan did default in 2003). Shall I just await their next letter, or SAR Rockwell? I think I have to dispute their "claims", as I know I had a loan, but not sure how much of that is charges, overdraft etc. I might agree to repay, but only on the loan not all the other rubbish, I can't remember how much the loan was for, about 3/4k. They're asking for 7k. This is all very confusing. All of a sudden, it's a current account, not a loan. If it was a current account, then this must all be overdraft, if it is, some of it, must be charges. If they rolled the loan in (must of), then its Loan + Overdraft + Charges. SAR has to be the logical route I suppose. Any thought leadership on this ? Thank you

Hello my fellow sufferers, I was informed by Rockwell et al, that they did not have the CCA or any paperwork for loan (no mention of the word loan) I had from 1997 or so. I had however been paying £50 a month to HSBC as part of an "arrangement to pay" with another debt agency, that sold on the debt to Rockwell. They are stating that this is now, or was always a current account and not covered by the Consumer Credit Act, and now want me to make "firm offer" of payment. This "account" is made up of a loan plus overdraft charges rolled up over more than six years. I don't have any paperwork, over than their letters, and my old credit reports. What should I do? I'm guessing from the forum info that they will take this to court, and if I don't contest, they'll CCJ me. If I could find the orginal loan agreement I could prove they are lying, but I can't. My credit record has been expunged over the debt, yet it was there a few years ago, and I have a copy of that. Any advice? I will take this to court, if pushed, as they surely have to prove with some evidence that I owe the debt, yet they only have a statement of my payments over the last two years (which stopped in June last year once they couldn't demonstrate what I owed, as I was unclear as to what an accurate amount was with all the charges on top). All tips and advice appreciated. Summary of my queries: 1. What is my position with regards to their statement on my debt being a current account one, and not covered by the CCA? 2. How can I clarify that this is a loan + current account overdraft + charges? Thank you for your help! Rabbit.