I was a sole trader and no longer provide training. I will draft a letter on the lines you have suggested and consider the matter closed until/unless they provide something that merits a response. greatburdon

Hi ScarletP, Thank you for the swift response. I would say it was a commercial matter. In what way would I need to handle this differently? I assume consumer law would not apply, how would I respond? greatburdon

Thinking of sending the following in response to first debt recoveries letter. Is there anything I should add? First debt recovery reply 25 june.doc

Thanks ScarletP...Can't wait for all the juicy offers, looks like more stuff for the regulators to have a look at.:grin: greatburdon

Just received a call from MBNA. Was ready to blast them for ringing when they have had the harassment letter re my CCA request but she quickly went on to try and explain that they could 'help' with a consolidation loan using First Union (I think). As I have an issue with my Abbey card (MBNA) I was interested to hear her initial approach. I stopped her and explained that I would not discuss financial matters over the phone and could she put in writing the matters she wished to discuss. She agreed, so will see what ,if anything, arrives. Has anyone else had a similar experience? greatburdon

Wrote to Abbey as above. Still not received Agreement and have complained. This arrived in the post today: http://i597.photobucket.com/albums/tt51/greatburdon/abbey.jpg I know this is a standard letter churned out to suit them despite all the letters I have sent which are conveniently being ignored. The 'threats' are all in bold type in the letter and if I do not comply "POTENTIAL COMMENCEMENT OF LEGAL PROCEEDINGS" and we may recommend that our solicitors blah blah... I am considering how to respond to this threat, any advise would be welcome. greatburdon

Thanks for your replies. In the testimonials on the first discovery website it appears that when involved they have achieved payment within 7 or 14 days according to their satisfied customers. Perhaps I had better pay now as its near to 14 days since initial contact8) I will write asking for their complaints procedure and a copy of 'the signed agreement' also send complaints to Trading Standards and OFT as invited by them. greatburdon

Thanks for your reply cerb., perhaps if I CPR them they might show their strong evidence? greatburdon

The DCA are an outfit called First Debt Recovery Ltd (based in Wakefield) and the alleged debt is for training I gave which the client was satisfied with. There was no signed agreement as stated and I am bemused where this claim has come from. greatburdon

Photobucket link was not working sorry ... now fixed! Thanks in advance for your help. greatburdon

I recieved out of the blue a request for payment from a DCA. Although I know the 'alleged creditor' I provided my services 3 years ago and have no further obligation to them. I sent the letter in the debt collectors templates No. 18 The Consumer Forums Their response is : http://i597.photobucket.com/albums/tt51/greatburdon/brijeshrayreply.jpg As far as I am aware there is no signed agreement and there certainly is no liability. Do I ask for a copy of the agreement they have? (Is this a CCA request?) or just send a general bogoff letter? greatburdon

Many thanks for your post Scarlet. Much appreciated. greatburdon

I have drafted a response to the vice presidents letter. I am still considering going down the CPR route but will wait to see what I get back in response. Any comments would be appreciated. greatburdon

Sorry Mr Ton and thanks. Where she states Section 8d 'Unless you have a legal right to do so, you must not hold back a payment or refuse to pay anything you owe us because of a dispute'...I think I am right in saying I am with-holding because I do have a legal right, plus drawing my attention to the contract I signed??? Thats the very reason for my CCA request! Where is it? GB

Thanks Mr. Ton .. Are you saying make a complaint to the OFT? GB

I have s77'd Abbey credit card for an executable credit agreement (24th April) to which I have had no response. I have sent harassment letter, reminders all recorded and finally a complaints letter to their complaints Dept. I received a letter from a Gail Powell acknowledging my complaint and stating I would get a response (this letter) she signed as 'Dept. Manager Customer Advocate office' ... She seems to have been promoted to Vice President in the 1 day gap between letters. I am considering now the cpr route, any advice in response to the tripe in the attached letter please? http://i597.photobucket.com/albums/tt51/greatburdon/scan002.jpg http://i597.photobucket.com/albums/tt51/greatburdon/abbeycont.jpg 1st time i've used photobucket so fingers crossed. greatburdon

Thank you for your time and trouble debt4get I am currently in despair, will keep trying but I seem to be getting deeper not out of the doodoo. GB

Thanks Foxy I will send that letter once I establish my 'claim'. I am still unsure what I can claim for, the charges seem to be categorised as follows: 1.Total cleared transaction charges 2.Total unpaid standing order charges 3.Total unauthorised overdraft fees 4.Total unpaid direct debit charges + charges and interest items Are all of the above reclaimable in full and do I add interest somehow. Sorry to appear dumb, I am totally confused, I think I have read too much and nothing is sinking in. Are there examples I could follow? greatburdon

I have received the SAR bundle from Abbey. Can someone point me in the right direction to find out which bank charges are re-claimable as I see charges for unpaid standing orders, unauthorised overdraft and interest. Many thanks greatburdon

Many thanks foxy for taking the time to reply. I will send the letter you suggested. I have already SAR'd them to get the full data I requested not just the two years they felt were appropriate. Can I ask if they will be adding more charges in the meantime or will a dispute letter put charges on hold? greatburdon

Have just received 2 years bank statements from Abbey (i requested a list of all default charges, unauthorised overdrafts etc since july 2001, so didnt get what I asked for!). This account is overdrawn by £134.64 and now I can see how it is made up: balance 2/8/08 26.79 11/09 paid bill 29.05 - 2.26 28/10 overdraft charge 25.00 -27.26 28/10 " " 25.00 -52.26 27/11 interest & chges 0.15 -52.41 27/11 overdraft chges 25.00 -77.41 27/12 " " 25.00 -102.41 27/12 int. & chges 1.16 -103.57 27/02 " " 1.76 -105.33 27/02 " " 2.24 -107.57 27/02 overdraft charge 25.00 -132.57 27/03 int. & chges 2.07 -134.64 I have only become aware of how I became 'overdrawn' by looking at this breakdown. I should have checked my statements but can only offer excuses why i didnt! What I am trying to achieve is the balance to be cleared and as they have closed the a/c that would be resolution for me. I made the Subject Access Request request to see if I could reclaim bank charges as these would probably wipe out the overdrawn balance, but now seeing how this -£134.64 has been built up i am wondering if just a letter stating a £2 overdrawn account escalating to £134.64 is unwarranted etc... The payment of the bill on 11/09 obviously created the problem, although it was my belief that this was a "credit" only account and could not go overdrawn. greatburdon

used the numbers thanks

Have just received 2 years bank statements from Abbey (i requested a list of all default charges, unauthorised overdrafts etc since july 2001). This account is overdrawn by £134.64 and now I can see how it is made up: balance 2/8/09 26.79 11/09 paid bill 29.05 - 2.26 28/10 overdraft charge 25.00 -27.26 28/10 " " 25.00 -52.26 27/11 interest & chges 0.15 -52.41 27/11 overdraft chges 25.00 -77.41 27/12 " " 25.00 -102.41 27/12 int. & chges 1.16 -103.57 27/02 " " 1.76 -105.33 27/02 " " 2.24 -107.57 27/02 overdraft charge 25.00 -132.57 27/03 int. & chges 2.07 -134.64 I have only become aware of how I became 'overdrawn' by looking at this breakdown. I should have checked my statements but can only offer excuses why i didnt! What I am trying to achieve is the balance to be cleared and as they have closed the a/c that would be resolution for me. I made the SAR request to see if I could reclaim bank charges as these would probably wipe out the overdrawn balance, bur now seeing how this -£134.64 has been built up i am wondering if just a letter stating a £2 overdrawn account escalating to £134.64 is unwarranted etc... The payment of the bill on 11/09 obviously created the problem, although it was my belief that this was a "credit" only account and could not go overdrawn. greatburdon

Bump ...

Cheers Johnny just needed the comfort of someones approval. greatburdon