Send them a letter saying CITI are in DEFAULT of your CCA request by XXXX months/YEARS, dont contact me again until this request is fulfilled, Consumer credit act etc etc I did this last month with them and they have gone away, There just some bottom of the food chain debt agency thats bulk purchased a load of CITI debt last month

LOL Got the same letter last month, just crossed it thru and wrote CITICARDS are 1 year 3 months in default of a CCA request, please feel free to chase them up but dont write to me again unitl you have....... Not heard anythin since !!!!

Just thought id update this thread This debt was written off by amex 6 months ago, They Sent me confirmation in writing after i refused to go away lol, took 5 letters demanding it be removed from my credit report after the STAT DEMAND Fiasco before they did tho!!!!!!. Never heard anything since, and its now gone from my credit report. However, its worth noting, AMEX were, BY FAR, the most aggressive company i dealt with throughout sorting my finances out. Completely unreasonable and seem happy issuing STAT demands without even checking if they have a CCA first. Also seem completely inflexible on reduced payments where my other cards were happy to discuss things. Also Westminister Solicitors are the most unprofessional company i have ever dealt with, scrap that, Incompetent company. PO box London, Actual address see below Westminster and RMA are the same company if anyones wondering, RMA 2nd FLoor, Westminster Solicitors 3 rd Floor. Both Preston, just different departments. RMA would like you to think that they have passed your debt on to a hot shot legal firm in london when you get the west letters. In fact, they just passed it up to the 1 tired/knackered solicitor that they employ on the floor above, who, in actual fact is probably dealing with hundreds of these letters every day, and has not intention of following up any threats he/she makes, cos they have no time!!!! Hope this helps, anyone needs any help with set asides etc then pm me and ill try my best

Hi Zoe PMd Cheers:D

Time will tell, if anyone needs any help or wording for set asides due to no cca then drop me a pm, its a relatively simple process and to be honest ive learned a lot from the experience ( im no expert but ive been thru the process ) Stat Demands are pretty scary things when you first get them, but its important to understand that they can be dealt with quiet easily. Interestingly, once i filled my set aside it took the court 3 weeks to reply with a court date, then the court date was then a further 6 weeks from the date of the letter. -- I get the impression that set aside hearings are "bottom of the list on priorities" for courts due to the amount of time wasted with them!! One thing i didnt do is apply for any costs, maybe next time lol Cheers everyone

Hi Yes, i had this set aside. Reason - no valid cca. The court set a date and sent westminister a copy of my set aside notice. Westminister then sent a letter to the court agreeing the set aside and the file was sealed by the court. I didnt have to go. They seem to have passed it to another DCA now, i wrote to them last week explaining i will not be paying anything until they provide a legally binding agreement. - They still havent!!!!! Thanks for the help everyone

Oh and when i recieved the SD from westministers it was sent from RMAs postcode. Obviously the same company or closely linked

Hi Ive had lots of dealings with Westministers, they seem to love Statutory Demands. They sent me a SD a few months ago for a MBNA debt, i then applied to get it set aside ( no valid cca ) and once a hearing date was given Westministers sent me a letter saying they have withdrawn it. I still went to the hearing and claimed in excess of £500 costs against the idiots. They didnt turn up. I had similar letters to yours before they issued the SD. I would nt worry too much about them, if you fancy a laugh give them a ring, they always sound stressed out and overworked and never have the paperwork to hand. Hope everythin goes well

Hi I lost my job last year and have been struggling with mort payments. As of last month i was 2 months in arrears, i contacted direct line and arranged to get the arrears paid within 4 months via an extra direct debit. Ive paid the 1st of these last week, however my main payment got bounced last week. i intended on ringing on monday and paying this by phone and continuing with my regular payments however i recieved a letter this morning asking for the total amount outstanding i.e 122K. As of today i am 2.5 monthly payments in arrears This action seems really harsh I can actually afford to pay most of arrears on monday if i have to but does this mean its too late. Is my mort cancelled now????? Anyone had one of these letters from direct line, it is nt from their solicitor and basically says i must pay the total amount outstanding or make suitable repayment arrangements or they will pass it to RBOS for further action. It only gives me 7 days also, i thought that real calling in notices give 1 month to pay the debt?????? Help, this has totally ruined my bank hol weekend!!!!!!!!!!!!!

sorry one more Q If i write to Westminster saying that the account is in dispute and i enclose the letter from rma confirming this i suspect they will set it aside. I know i am prob getting ahead of myself a bit, but, if this happens do i still need to file a defense to the court to have it set aside The reason i ask is i read on a few threads that the creditor does not have to send these thru courts to issue them and seem to fire them out as a attempt to get you to pay some money. Therefore how will the court know about the SD. cheers everyone and happy easter weekend

Ok ive done some reading Im going to apply to have the SD set aside because 1. No response to CCA, therefore the account is in dispute 2. No explanation of the £2000 charges applied to the account given - i requested this along with the cca I also have a reply from RMA in response to a harassment desist letter i sent them. It states " We have noted your request for a CCA and have placed your account on hold until this has been completed" This was sent to me on the 1st of this month and i have still not recieved my cca Is all this enough???? And do i need to notify westminster of anything or should i just file 6.4 and 6.5 to the courts I also noticed the SD letter was sent from RMAs postcode ( on the post stamp) not WESTMINSTERS!! I presume this means there the same company or there a a bit thick over at RMA lol Anyway thanks for the help so far, however i sense im gonna need some more before this nightmare is over Special thanks to bankers rhymes with *****. Youve been really helpful mate and obviously know your stuff - A big thankyou!

thanks for the reply banker gonna go and grab somethin to eat then spend the evening researching. I cant believe how low Amex will go!! They havent even replied to my cca cheers for the link mate:)

Hi OK so im still waiting on my cca however today i recieved a statutory demand from westminster solicitors and im pretty worried now How do i deal with this?? Should i write to the solicitors and tel them that i have not recieved my cca as it will be 16 days when the posts starts again ( tues) Also do i have to write to the court as well with my reasons to set aside??? Reasons being - I havent recieved my cca within the required timescales I havent had a explanation of the charges applied to the account ( 2200 pounds a few weeks ago ) Should i put i am still willing to pay reduced payments ?? Thanks everyone and have a good easter weekend:)

cheers mate:) Makes me feel better:)

Ok here is a timeline of events, for info 10 year card, faultless payment history for 10 years UNTIL - ( due to redundancy ) 1st Jan - Missed Payment 1st Feb - Missed Payment, rang to arrange ower payments - refused 7 March - recieved a letter explaining if i didnt pay within 7 days my account will be cancelled 15 March - Recieved a statement quoting, account with collections please pay the full amount by the 1st april Today - recieved a letter from westminster solicitors ( acting for rma apparently, even tho ive never had a letter from rma! it was post marked the 24th ). The letter was actually dated the 17th!!!!, saying i have 7 days to pay the full balance ( now over 12k ) or they commence court proceedings. well that leaves me no days to respond to this threat as they backdated it a week. They have also included a £2200 charge as well as the balance is now over 12k instead of 10k. Today I wrote to them ( amex and rma ) requesting a copy of my original agreement - cca, a explanation for the unethical charges applied to the account and offered once again lower payments. I also asked for an explanation why they were backdating letters. Anyone had experience with westminster, they seem like a bunch of muppets to me!!!! Backdating letters - not really ethical for a firm of solicitors so dont know what they will try next If it actually went to court, i would have thought they would get a lot less than the £50 per month i offered originally so i cant really see what their motive is. I have a joint mortgauge with my partner, house value 115 - 120K, mort is 119k, so a charging order cant be the motive. PS apologies in advanced for spelling mistakes, i had a few glasses of wine while i was watchin the apprentice lol:p:p

Hi Banker I ve started today to compile all the info i have on them and sent of a request for my original agreement I ll scan most of my correspondance to this site asap Many Many thanks for your comprehensive ( and very professional ) reply, it is really appreciated :)

Hi everyone Firstly may i say what a fantastic forum this is,it has helped reduce my stress no end since i found it I was made redundant 4 months ago and have not been able to pay amex the minimum payment in dec/jan/feb. It is a 10 year old credit card with a bal of 10k I have rang several times to explain this to them however, they would not accept anythin less than the minimum payment each month. Last week i got my statement which is demanding the full amount - 10k and says it is with collections Im gonna send off a cca tomorrow, however, what are the approx time scales till this gets to the point of going to court, weeks, months etc Ill update this thread with my reply to the cca when i get it cheers everyone:)