I ended up calling them up and managed to negotiate a settlement. Explained I would have nothing to lose taking them to court over the fact they didn't refund the interest on the PPI. Agreed to settle for £10K over 2 years and made my last payment today. Today has been a long time coming for me but I'm glad I no longer have this crap over my head.

If the DCA cannot obtain an original copy of you CCA agreement then they cannot take any legal action to recover the funds, short of continueing to send you leers and accessing your credit report. I would excercise caution with any DCA who cannot supply a copy of a CCA as this is one of the ways that they can prove to you that they are authorised to the collect the debt.

Hi all, I'd really appreciate any help or advice as I'm at my wits end here. I took out an unsecured loan on the 16.09.2002 from HFC bank. This loan was used to pay off a previous unsecured loan with the same bank. I was young and stupid at the time, though I know that doesn't help now. The loan was for £7000 and set at an interest of 24.1% and with monthly payments of 162.90 for 84 months. Totaling £1363.60 (£6683.60 interest). In addition, I was sold PPI in the form of "Life Assurance" (£830.84) and "ASU" (£1408.81) Accident, Sickness, and Unemployment. Totaling £2239.65 (£2138.43 interest). After taking out the loan I became unemployed but was unable to claim on the insurance. Since then a few £15 charges were made before the account entered default in August 2003. In addition, two reimbursements were made for the insurance, £613.98 and £1041.09. This was nowhere near the actual insurance amounts, and to top it off the interest of each PPI wasn't removed either. Over Xmas 2009 I recieved letters from GoDebt demanding payment of £16847.96 I sent a CCA request letter in January 2010 and finally recieved my signed CCA and a statement of activity on the account from TBI via GoDebt. I am at a loss as to what my best course of action is. I do not have enough cash to offer any form of lump settlement. In addition everything seems to be in order on the CCA apart from one thing; As the aggreement is showing the loan and PPI as seperate agreements, I assume that this means that it would be classed as a multiple agreement. All prescribed terms seem to be present, interest clearly stated, seperate amounts etc, but there is one particular clause; As I said, the CCA I recieved had nothing on it regarding the PPI insurance terms and conditions apart from that reference. They didn't even send me any sort of booklet explaining the terms of the PPI. Does this mean that the PPI part is unenforceable? I'm trying to get what little I can behind me in order to try and negotiate some sort of reasonable settlement figure.

Just spoke to someone at Littlewoods debt management/sales team. My original catalogue account went into default sometime in 2003 but she managed to find my details. It turns out that they sold the debt onto Wescot in who weren't able to find me. After that they then passed it onto Phoenix Recoveries in 2007, who in turn hired Mackenzie Hall. This would explain why they weren't aware that a previous company marked it as settled when I paid them in 2009. I've been told that the Phoenix Recoveries will now be contacted to notify them of the closure, and I will be recieving a letter of confirmation direct from Littlewoods debt management team. Just to be safe, I'm going to send a letter to Littlewoods with a copy of the settled letter from Wescot and to request that they cease processing my data under DPA. I'll probably send a similar DPA request to Phoenix as well. Thanks again for your input everyone, this looks like its gonna be closed.

I just got back from the Post Office after sending the letter to Mackenzie Hall stating that the debt had been settled when I thought I'd give them a call to try and find out how they got hold of it in the first place. I was also curious as to why I was getting leters from Mackenzie Hall, yet Shop Direct Finance Company LTD provided the "credit agreement". The advisor on the phone informed me that since I requested the CCA they had sent the debt back to Phoenix Recoveries LTD at the beginning of this month. I asked for the address and contact details but he wouldn't provide them as he claimed they were confidential to his client. The cheek. Anyway, I then tracked down the number for Phoenix Recoveries where another advisor told me that the debt had been passed back to the original creditor. He at least gave me the direct number for Littlewoods debt management team so I'm going to call them tomorrow to get their address in order send them a copy of the settled letter from Wescot. I am shocked at how many hands my details have been through in just a few months. I dread to think how many companies have had my info since 2004.

Thankyou for the handy address Pinky, and cheers for the input people. I should hopefully be able to straighten things out with Mackenziehall. I'll update this thread when/if Mackenziehall try anything new.

Hi guys, I would appreciate it if I could get some input on my next course of action with Mackenziehall. Sometime back in 2003 I built up a £650.95 debt with Great Universal catalogue. No payments were made to that debt until I paid Wescot £488.21 back in January 2009. I made this payment to them over the phone with my debit card and it was agreed between myself and the Wescot representative that making a large one time payment would settle the debt and the rest would not need to be paid. I still have the letter from Wescot dated 08/01/2009 clearly stating "With reference to the above account and your recent communications. We can now confirm that this account has been settled." Over Xmas 2009 I recieved demands for payment for the remaining £162.74 from Mackenziehall. At the time I wasn't sure what the debt was for so I sent a request for the orignal consumer credit agreement. Mackenzie wrote back to me on the 20/01/2010 to inform me that they had requested a copy from the original creditor. They even returned the £1 postal order for the statutory fee. On the 26/01/2010 I finally recieved a letter with a credit agreement (not my credit agreement) headed by "Shop Direct Finance Company". This is when I realised that they were pursueing the debt I had already settled with Wescot. I am fully aware that this means that they can not legally enforce the debt. In this letter they have also stated that they will be filing that this debt remains unsatisified on their own records and will notify the Credit Reference Agencies to put a bad mark on my credit rating. Are these guys really supposed to be chasing this debt if the previous debt recovery company marked it as settled? I plan to write another letter stating that I have already settled the debt with Wescot and will enclose a photocopy of the Wescot letter stating that the debt is settled. In addition I will also be pointing out that they have failed to supply an original copy of my CCA. All input and advice is appreciated.

SQN Services is also known as Equidept. They both have the same company address at Equity House in Warwickshire.

Thanks for the responce. I was a little confused as some of the listing in the Limitation Act 1980 say 12 years. I guess the 6 years for unsecured loans would fall under the "contracts" bit. If I request a copy of the original terms and conditions, and my signature on an original contract, that wouldn't class legally as me acknolodgeing the debt? Alternatively, do I simply just send a blancket letter claiming that the debt is statute barred? I just want to make sure I'm prepared to send the correct letter.

Hi all, I foolishly took out an unsecured loan from HFC back in 2002. If I was contacted about this loan from any debt collection company (probably TBI if they're still using them) would I be able to claim statute barred? I haven't had any contact with HFC, or TBI, since 2004. The last I heard from them they claimed my interest had been frozen and the last payment I made to TBI was sometime in 2004. I apologise for the question, I'm just a little confused by the legal jargon in the Limitation Act 1980. I ask as I cleared two outstanding catalogues early this year to the amount of £400 each, and plan on clearing my Barcalys credit card after the summer in full when my university grant goes in. The Barclaycard debt is about £500, which is something I can manage to get rid of for good in one go. Obviously this HFC one would be a real problem for me should they chase me. Thanks in advance to anyone who can help.