I'm starting to realise that now- I have the CCA letters ready to go.

Thanks again for the help. Oddly I got around £1000 between Natwest and Mint (on Credit cards). Still on hold for the current account though. Update on Egg. Got the statements and with charges and dodgy ppi my balance will be about £30.

I'm still waiting for my statments to claim charges before I CCA, but it's been nearly 3 months now. I'm aware they have 40 days to comply but what, in reality can be done if they don't respond in time? I know they can be reported but is there any actual recourse? I'm guessing they will at worse get a little slap on the wrist by the OFT, the information commision or maybe the FSA. Speaking of which, I'm still curious whether DCAs need to be FSA registered?

Thank you once again for the advice- Have a click on the scales for you troubles! I'll get those CCA requests sent (recorded delivery I assume) and take it from there. On another note £1000 in charges from Mint and Natwest credit cards combined!

Thank you for that post- a really useful set of ideas. Am I right in thinking that if they do not have a CCA that is enforcable I can just sit back and stop paying. They may threaten to take me to court but are unlikely as they will know that they don't have much of a case. Does this just leave us in a Mexican standoff or is it sensible to write a letter along the lines of; Your CCA has some problems and would not stand up in court, however I am prepared to pay you £xxx as full and final setlement. Or would this be acknowledging the debt and count against me. Could I even write; Your CCA has some problems and would not stand up in court, therefore I do not acknowledge this debt and unless I hear from you in 14 days I will consider the matter closed and you will not persue me for any of the aledged debt. Is there any possibility this would work? Sorry for rambling, I just want to get this all straight in my head. (BTW I don't actually have the CCA's yet but nothing like being prepared)

Thanks very much. What are people's opinion of my stubborness towards sending Income/Expenditure info and whether DCA need to be FSA registered?

Hi there- site noob here (and noob is now a real word!) Haven't had a chance to try these but; Getting a copy of the job section for the area these people are in and suggesting alternative employment in the tone of voice of a mother with a child that has finished exams for the summer, "ooh here's one you could do..." Or in best Dirty Harry voice, I know what you're thinking, do you have an enforceable CCA or an unforceable CCA? Well, to tell you the truth, in all this excitement I kind of lost track myself. But being as if you don't your debt is worthless you've got to ask yourself one question: Do I feel lucky? Well, do ya, punk?

Hi there. I've been reading plenty here the last few days and it has helped a great deal. I was hoping I could clear up a few things I'm confused about. Firstly, all this stuff about CCA's. I'm aware that egg's are generally water tight but my partner and I have plenty of debt besides. Essentially if it is not enforcable/ no longer exists are you no longer liable to pay the debt. Does this effect your credit record (in as much as they exist). Secondly if, as a few lucky (and persistent) people have said, the DCAs agree that they will not persue you any more (due to dubious CCA or what ever) could they decide to start chasing again if the whim takes them? Secondly, are DCAs expected to be FSA registered. I was dealing with the rude and misleading types at Collect Direct UK re. my egg account and they demanded I send my income/expenditure. I said (on the fly) I would not send it as I don't know if your FSA registered to which the very unpleasant woman said I would just have to look on the website. They seem to be consumer credit licenced but their name or their parent company is not on the FSA register. Also am I being unnecessarily stubborn not to send these parasites my financial details? Finally is there any limit on the insults and lies these people can tell legally? I was told that I ran up as much debt as I wanted and that I was nothing but a debtor. This site has already been really helpful but if some more assistance is possible I'd be very grateful