Hi paul I'd ignore them and see what comes next, let them show thier hand first R

Hi lanny Welcome to CAG The general advice is stay off the phone and going by what you've said you now know why, DCA's will do everything/anything to get money from even if it means bending the rules/truth and they rely on peoples ignorance to give in to the bullying There's lots that can be done but the important thing is you're now going to start taking control of the situation so try to relax, not easy i know To follow on from padja and make life a little easier here are links to the letters mentioned,amend them to suit . . http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter. http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter Keep your thread up dated with any replies you get and things can go from there Good luck R

Bit of a dodgy situation eh meemok It's something like a DCA's threatogram, lots of . . . ifs could maybe I know it's no real help but all she can really do is sit tight and see what happens R

Hi meemok As far as I'm aware a CCJ doesn't go Stat Barred like a normal debt I think it can be started again but only by being taken back to Court and then the Court would need to have very good arguments put to it as to why no action was taken for so long Caggers with more knowledge will more than likely pop in and put as both right if I'm wrong Good luck R

Imitation versus flattery has a very fine line between eh vic We all know the DCA's hate anything/anyone that shsows them up for what they are but don't have the brains to change R x

It could well be vic It is nice to think that maybe just maybe we're doing our bit to hit them where it hurts R x

Morning and thanks vic I'm doing ok, what about your good self R x

Cheers cerb Thought the title might provoke a few comments . . . pmsl R

Good morning I find that I must write in defence of Red Debt Collection They wrote to me late Feb regarding an HSBC debt ( I've never signed up for HSBC accounts) and they kindly offered a 70% discount to settle/clear or a payment plan of £10 a month Now that put me in a quandry as I didn't have the lump sum required and I didn't think it fair to enter into a plan that would take 300+ years to complete knowing that I wont be around that long so to my shame I ignored them Do you know what?? Red are so concerned about me clearing this matter up that they wrote again over the weekend and offered me the chance to settle for just 15% of the original amount (85% discount), now come on fellow caggers how decent is that I'm not about to tell them that Lowell blew this out via Philips last year due to no paper work plus it's now over 6yrs (and the defaults gone) because if they keep offering discounts maybe I'll be able to get them to pay me for closing the account I've posted this not only to give us all a laugh but also in the hope that new comers being hounded by Lowell/Red/Hamptons will see how pathetic they really can be Regards R

If your original CCA request has not been complied with for what ever reason within the 12+2 day time limit you're entitled to put the account in dispute . . have a read of this http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale. amend it to suit and pop it in the post to them The rest is up to them then R

? ? ? I'm confused If they've not complied with a previous CCA request why send another one . . the follow up should be the "In dispute" letter Why waste more time/effort R

You're welcome . . every little helps as they say The thing is you've contacted Lloyds with an offer that so far they seem to have ignored and that being the case if they started to get heavy handed when your offer was brought up again they'd look very silly R

I'd get Excel off your back first then get your paperwork together and make a formal complaint to Lloyds, I imagine you can find how to do that on thier website Regards R

No just Excel R

Hi lbr Send them this after amending to suit . . http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT Just print your name and if poss send recorded for proof of delivery taking into account the alleged time scale but there's more than a good chance they wont turn up anyway, keep a copy or two by the door just in case and shove it through the letter box You're under no obligation to even talk to them let alone let them in, if they arrive and get snotty call your local Police (Not 999) and tell them you're being harassed by someone that wont leave Regards R

Morning BPRMS You're right so far, wouldn't the DCA's love it if they got payments off the back of a phone call As you've already got a payment plan in place a simple letter to this lot asking them to supply documented proof that they're entitled to act/collect wouldn't go amiss or write to the Bank for confirmation If you get nothing in writing just leave things as they are Good luck R

Morning Rainmaker As well as the excellent advice you've received it could give you a smile/boost to read up on Ferguson v British Gas BG got really slapped for harassment over an alleged unpaid bill and computer generated demands, in your case it's more human than computer Good luck R

You're welocme mak R

Hi AJ Welcome to CAG It might be worth writing to O2 to explain your situation and see if you can sort something out with them Good luck R

Well I'm afraid it's really technical mak Click on the triangle bottom left of your post and ask via the message box R

Catch 22 eh mak You don't want to default on the CCJ but yiu also don't want the money going to the wrong account I really think you need to get hold of any/all the info you can, I'm not sure if there's a particular letter to use so the Court could be the place to start There are caggers with better knowledge of CCj's and I'm sure some one will get in at some point, it might even be worth asking one of the site team to change the title of your thread to reflect it's a CCJ problem . . (What do you think sf?) R

Thanks mak There's a lot of reading to do and from mine I tend to agree with sf I'm sure that any changes to a CCJ must go through the Court and you should be told Might be worth a quick call/letter to the Court if you still have the details and myabe a letter to the other lot disputing the change as you've no knowledge of it so can they send the relevant documents to you Make them earn thier ill gotten gains R

"ok, long story short, husband died back in 2005, had a Black Horse loan, which i was taken to court for and acquired a ccj, which i have paid every month on time." Hi mak As sf has said more help will follow but my question is . . I assume that it was a joint loan and not just in hubbies name Regards R

Morning bob Below is the link to the letter twinkle adapted http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter This is a definition of "Harassment" . . behaviour that annoys or upsets someone sexual harassment (Definition of harassment noun from the Cambridge Advanced Learner's Dictionary) I would look at it as the first call was bad enough but the second and subsequent calls no matter about the timescale were upsetting your Mum therefore she feels harassed Regards R

Evening bob Get that phone letter done as well and send it with the other one Harassment is nothing to do with frequency but how it's perceived by the recipient Go get them Regards R