looks like im moving again then

any ideas how a debt collection agency could find out your new address? im not on the electoral register and i dont bank with the bank who claims the debt (and havent done for a year before i moved). ive a strong feeling that something illiegal has occurred here...

i received an answer to my cca request from nat west. needless to say, it wasnt a cca at all just a single, signed page from a credit card application form, with absolutely none of the terms laid out, i replied informing them they have defaulted the debt. actually sent the letter to the 'dca' - part of rbs. received a phone call out of the blue yesterday from a company called rma - it seems nat west, despite being told clearly they cannot do this, have passed the debt elsewhere. some chap rang me up asking me to confirm my details and couldnt quite get it through his skull id never heard of the company and wouldnt be confirming anything. nor could he comprehend that nat west are not even allowed to pass the debt to their company, nor try to enforce it without a cca. i got all the tricks again - he couldnt tell me what its about unless i confirmed my details. .. ive enevr received a letter from them 'well nat west have been writing to you for 6 months'.. . yes mate nat west not you never heard of you.. . 'well a letter was sent out to you yesterday'. .. well i dont have it, ive never heard of you.. . 'well if you just confirm your details... clearly talking slowly and simply is too much for them to take in. ill have to get a video phone and explain things to them with pretty, colourful pictures, and dancing teddy bears. when i called nat west to explain what theyd done, and even their in house dca there, all they would keep saying is 'theyve complied with my request and are now seeking to recover the debt'. this conversation was slightly different, though i suspect theyd grabbed some newly arrived immigrant and only taught them one sentance - youve not sent it unfortunately... 'weve complied with your request and will be taking action to recover the debt' yeah well unfortunately you cant... 'weve complied with you request and will be taking action to recover the debt' ok ive had a financial advisor and a barrister look at this and theyre positive it isnt a cca, this means youve defaulted the debt and cannot do much about it until you find that signed copy... 'weve complied with your requ...' seeing as the folks over at rbs/nat west are clearly too stupid to understand that a) they owe me money (id like my quid back hehe), and b) theyre now breaking the law, what should i do? im rather tempted to take up a legal challenge to stop them in their tracks, after all im entitled to legal aid and even have a barrister in the family. it seems when i posted off a cca request to regal regarding another debt, there wasnt even a struggle. my £1 was returned along with my original letter, stamped as being read and an explaination that they couldnt carry out my request. why do nat west assume theyre above the law here? is it just being sneaky or do they really think of themselves that highly? aching to start legal proceedings though id rather they either go awayf and leave me alone or learn a better style of customer service and they may just convinvce me to start making repayments. any advice from someone whos been in a similar situation?

this has made me wonder something. benefits are set at a standard rate as 'this is the amount the law says you need to live off.' i once applied for a crisis loan, part of which was to pay off a bill i was being harassed for. i was told by the benefits officer 'you cannot use crisis loans or state benefits to pay off debts' anyone know if this is this true?

another update: it just gets more pathetic. regal have actually sent a polite letter. this one reads... 'we have submitted your section 77/78 consumer credit act request to rbs.' [this is interesting as they claimed they were entitled to the debt, which obviously they are not] 'in order to confirm your identity rbs have requested that you forward a copy of your current driving license or any other form of signed identification.'[correction youve requested it, ive had no letter from rbs] 'once this information is available they will respond with a copy of your original agreement. a pre-paid envelope is enclosed for your use.' i have to ask... are the people who work for regal completely retarded? do they seriously think ill provide them with my sigature, which i dont have to do? do they honestly expect me to believe theyve been phoning me and writing letters, even harassing me for money without checking who i am in the first place? surely you dot constantly threaten someoe for money if you dont know who they are in the first place. in which case their whole business practice is called into question, as it should be anyway. and do they realise that i dont even have a drivers license, or a passport, or ay other form of signed id? this begs the question again if theyre retarded. they do realise they cannot back out of a leal request just because i dont happen to have id dont they? to be fair even triton didnt try to stoop this low. then again when ive spoken to regal before you could tell they were deparate people. hence why they threatened to have my parents phone cut off. now lets see: i dont need to provide a signature i dont need to provide id its up to them the confirm id not me im not giving senitive information of me identity to strangers (basically unless someone has a warrant card then theyre strangers) i dont own any anyway. i think that clearly puts regal in a dodgy position doesnt it. they wont send the cca unless i provide a signature, and if they dont they default. idiots.

it seems that green & co is a trade name of the royal bank of scotland, which only covers solicitors they contract. what happens is that this letter is sent out by rbs (not by a solicitor) in a standard template, and they then contract a solicitor under that trade name if they wish to go forward. this is confirmed by the print at the bottom of the letter, that this is the 'practicing name of solicitors employed by the royal bank of scotland'. in other words they are not actually a law firm, and do not retain solicitors on staff, but any who are asked to represent rbs use this name if they are later contracted by rbs. green and co is therefore simply a name under which of rbs pays the contracts to solicitors. however there is the name of the principle at the bottom - j.a.m. green l.l.b. i cannot find any solicitor by that name anywhere other than on letters from rbs. pretty dodgy [problem]. pretty good [problem] too, though - got the letter this morning and only just worked it out.

another interesting point is that despite today being the 9th of october - theyve backdated the letter from green and co to the first - the date of my cca request. clearly they seem to be covering their backs (or so they think). any further advice on how to proceed?

needless to say i did not react favourably to these. 5 minutes after opening them regal called me on my mobile. apparently this was vicky, and asked me to confirm my details. i simply replied asking if theyd received my letter. they told me no. royal mail say yes which is the proof. i dont like liars. anyway, serious? mere threats? helping my case more than theirs? as much as i am intent on slowing them up as much as possible because of their harrassment and because i simply do not have the money, i need to know that this is just threatening hot air. has anyone else dealt with green and co?

regal are even more annoying, this also arrived today, seems they cant get enough of me either. bare in mind this is the FIRST EVER LETTER ive had from regal. dear sir, we notice that the above balance remains on your account. we have the opportunity for a very short period of time to discuss a FULL & FINAL [their capitals] settlement with you that could result in us being able to negotiate a significant reduction in your liability to our client. to take advantage of this it is important that you contact us on the above number IMMEDIATELY. [their capitals and underlining] our offices are open from 8 am until 8:30pm on weekdays and 9am until 1pm on saturdays. payment can be made by MAESTRO, VISA DELTA, ELECTRON, MASTERCARD or SOLO card. your reference number should be written on the back of any cheque or postal order. a reply paid envelope is enclosed for your use. it is in your own interest to discuss this matter with us TODAY. [they do love those capitals] yours faithfully REGAL CREDIT CONSULTANTS LIMITED signed by the collections department.

ok got another love letter from the girls at triton today. this one is from their solicitors green & co (sounds familiar somehow): dear sir/madam, (interesting start dont you think? i suspect a standard threatening letter) we are instructed by our client, triton credit services, who are instructed by national westminster bank plc in connection with the above liability. we understand that, despite formal demand for repayment, the above amount remains unpaid and we are likely to be instructed to commence court proceedings against you, without further notice. however before we commence these proceedings, you have one final opportunity to make payment of the above amount within the next seven days, please make cheques payable to triton credit services and send them to our client, details below we confirm... ... should our client not receive payment or acceptable proposals within 7 days, it can only be assumed that you will not settle this matter on amicable and reasonable terms. we are then likely to be instructed to commence court proceedings against you on our client's behalf. yours faithfully green and co. (green and co has actually signed this hehe) small print: principal: j.a.m. green l.l.b. (hons) this firm is the practicing name of solicitors employed by the royal bank of scotland group.

suppose i could hand-deliver it to the 'officer'

update: ok so these people dont listen do they? had a voice message on my parents phone. apparently vicky from their 'litigation' department (same office, phone number is one digit out) tells me i must call them back IMMEDIATELY (she really stresses this - it seems she believes this is urgent), otherwise theyre sending an 'officer' to my home soon to discuss this. just to be clear... i have NEVER had any letter from regal, regarding anything. i have NEVER had any letter from nat west informing me of re-assignment of the debt to regal. i seriously didnt appreciate the way i was spoken to by them before (See above). i do not want any 'officer' calling here (my parents home) and ive told them this. in fact sending one here is not good for my health at all, so i hope they realise i will be calling the police if this person does arrive here. getting extremely angry with these people now. any advice on how to play this? also, as ive had no letter im not sending any cca request yet. good or bad move?

precisely what i was thinking. ive put a different signature on each.

also ive decided to test the cca request to see how low these people go. would i be correct in assuming that a fake signature on the agreement is going to severely upset their legal grounds? because the signature on the letter i sent isnt mine

thaks for the help everyone its very much appreciated. i had insurance for my credit cards, etc, but after becoming ill and losing my job they all refused to pay out