Make sure your letter is clearly headed I DO NOT ACKNOWLEDGE ANY DEBT TO YOU OR ANY COMPANY YOU CLAIM TO REPRESENT R

Fear/Intimidation/Relying on lack of knowledge . . All DCA weapons Lying/Cheating . . Heaven forbid . . They're Clerical Errors Look at it purely Financially . . They've bought this debt for P's in the £ so any return they get will be a bonus because you're not the only they'll be chasing using the same tactics and some people do cave in without checking All the info points to this being Stat Barred so as already said try not to worry as they don't appear to have a leg to stand on R

The good thing about using your email to get the letter across quickly is that . . . 1/ You can add that the only reason you've sent the letter this way is the delay in RM's system and that the only other communication you expect on that address is conformation of receipt 2/ After receiving the confirmation of receipt you can then block thier address on your PC R ps Glad i made you chuckle earlier

Very very useful link Thanks cerb R

Morning ff Welcome to CAG They can say it takes as many days as they like but failure to comply within the 12+2 deadline puts the account into dispute until they can so by sending the "Dispute" letter all collection activity should stop until (IF) they can comply . . http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale. They refer to "The most recent terms and conditions", that wont hold up either as all the details must be relevant to when you opened the account Given the length of time they've had your account this just sounds like there's not much (If any) paperwork around and they're fobbing you off in the hope you wont know Don't worry as they've got more work to do than you R

More than likely just a glitch in RM's system and besides they wouldn't refuse it just in case it contained a payment R

Naughty Wescot writing to "The Occupier" . . basic breach of guidelines straight away Just get on with life and listen for the letter box to rattle R

I disagree at this stage Let them show thier hand first R

Hi manc Welcome to CAG Well you've just had an example of Rule 1 . . Stay off the phone All you've done is confirmed that you are you and where you live and opened the flood gates so be prepared for the grap mail to start The only way to acknowledge "The debt" is in writing or by a payment, talking of which if they reckon you made one in 2006 they must provide absolute proof Get your thinking cap on and try to recollect any/all the info you can They have to prove you owe them money not the other way round Don't panic for now, wait and see what thier next move is but get to work in the mean time good luck R

Mislead/deceived/scared springs to mind Forget trying to find out the correct amount and if Cohens are entitled to collect if what you say is correct concentrate on getting the CCJ confirmed by checking on trustonline.org.uk because if your OH has been making payments based on fake paperwork you have to stop paying and get down to ripping them to shreds You could of course stop paying and invite Cohens to take you to Court Good luck R

As defaults fall off the account automatically after 6yrs (5 in Scotland) when no written acknowledgement OR payment is made it sounds like someone is pulling ya bits concorde R

The phantom payment ploy You need to get them to send absolute proof re this payment, you don't have to prove you didn't make it Have you checked credit file to see if there's a default logged R

An additional "Thought" As the Council appointed Newlyn they are also responsible for what Newlyn do R

Afternoon Good to see you're not going to let them bully you but careful you don't blow a gasket in the mean time R

Hi Judi They're not allowed to coerce you into selling property/extend borrowing to repay them so in a way they're not doing anything wrong but I do think it's rather cheeky The problem I would have is giving them access to a friends account just in case (Fingers crossed and trying hard to hide my cynical expression) someone at the DCA's office got a little over zealous/trigger happy and (Totally by mistake of course) managed to take more then the approved payment, I mean accidents do happen If you do any internet Banking you could get thier details and do a direct transfer, asking for a Bank Draft of a friend to send a cheque on your behalf will of course take away the annonimity of your situation plus PO's will add a fair amount on due to the charge for buying them Good luck R

Hi undernie I would tend to think that it could well provide a link for DCA's to follow but unfortunately you do need to know what's on file, registering on line will definately flag you up R

Morning Brig . . I know it's about Gyms but I posted the link for the purpose of showing that at least once a Judge pulled the practice apart . . R

Morning They're all pretty much the same and rather then register on line you could write to one of them and ask for a written report. I think it costs £2 R

You're welcome The good thing with that article is how the Judge slated the long term tie/expencive buy out as unfair R

Hi arana Sorry to hear of you problems, I've taken the liberty of asking the site team to help with a new thread so you get your own specific advice I can't recall exactly the case and it's not re phones but Gym membership, recently a Judge basically said that long term (Gym) contracts are unfair so I assume that there could be parts of that case that could be applied in this instance as well I'm fairly sure someone will know of the case in question Good luck R Here's an article about the case . . http://www.google.co.uk/url?sa=t&source=web&cd=1&ved=0CEcQFjAA&url=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2011%2Fmay%2F27%2Fgym-contracts-unfair-rules-court&ei=XqQpTsGGKsyv8QO5wOSMDA&usg=AFQjCNFxTGhcz5_cugg5pRPB0AMbIh3jVg

As CARS are members of the CSA they are bound (Cough Cough) by the Code of Practice, here's a the relevant bit .. p) Take into consideration before determining whether to enforce repayment, all information supplied in relation to the reason for nonpayment, which may include The Common Financial Statement, or the debtor’s future ability to repay. If the debtor has disclosed multiple debt problems, inform them of the availability of accredited advisory services. Where available, provide in all relevant correspondence the name or designation of a specially trained member of staff who may be contacted regarding financial difficulties Bit more ammo for you R

Hi bubbsie In the normal scheme of things I agree a SAR would be a good idea In this case I feel it would be a long drawn out procedure as the OP is not named on the account concerned and quite rightly Nationwide would be very reluctant to release any info unless strict proof of authority was provided . . potentialy lot's of letter tennis It should be much easier/quicker just to get Nationwide to confirm that the OP is not connected to the account as a joint signatory R

Morning bytor How are the statements addressed, to your wife OR to you and your wife I ask because you know that this was a sole account in your wifes name and yet MKRR say it's a joint one so if the statements have been doctored to show your name as well you're looking at fraud You need to get confirmation from Nationwide that the account was just in your wifes name then personally I'd sit tight for a while and let MKRR dig thier hole a bit deeper and then complain to all and sundry re false accusations, harassment etc Good luck R

More like (Com)Prehensile training –adjective 1. adapted for seizing, grasping, or taking hold of something: a prehensile tail. 2. able to perceive quickly; having keen mental grasp. 3. greedy; grasping; avaricious. 2 is a no no but 1 and 3 are spot on R

Morning undernie Using your list if I were you I'd go this way . . . 1 3 1 2 1 4 While you're making sure you have your facts right you may find more drivel arrives but it's thier money being wasted Once you're sure then the SB letter can go Good luck R