So it will all be letter correspondance - regardless of what stage it reaches?? Cheers.

Thanks for the responses, I am happy to go with the above letter - Just wondered what there reply/action might be, can they haul me before a judge and grill me with questions about what I am arguing?? Thanks.

Hello, I posted a couple of threads before and people helped & advised me on requesting my credit agreement from a dca. It took 14 days but I recived a letter and it included: "a reconstituted copy of your original application from" there words, not mine!! I opend it up to find a totally blank application form, a set of terms and conditions and a statement outlining my balance owed. Just wondered what your thoughts on this where and what my next step should be? Many thanks - Smudge

Hi DG, thanks for the reply. Main things I was worried about was: Would they expect us to move to a lower rent property? As we have been here for 6 years and although it is rented it is still our home. And, is the court appearance as scary as imagined? Thanks again

Hello, I have a number of unsecured debts to the tune of around £80,000 and was with the CCCS for one year, things got a little worse and we are currently dealing with the debts directly ourselves, paying a nominal £1 to each of the creditors (most are now DCA's) I spoke to someone via the CCCS a little over 12 months ago and they were stating that bankruptcy was the best option for us, to be honest I was all for it....then I got a little bit nervous about the whole thing and bottled it !! - the payments of £1 have continued since and we are now getting daily letters threatening all sorts. I am now obviously thinking that if I had done it when it was first recommended to me I would have been out of it by now...... I have read up on bankruptcy but just wondered if anyone on here had been through it and had any advice or info regarding the process?? Our current situation is: We have no assets and live in rented accomodation I am self employed My Fiance is in full time work I basically wanted to know if going bankrupt means someone can rip your life/accounts/home apart taking anything and everything that might be worth some money?? Any help or info would be greatly appreciated.

The Magician..... Sorry.......I am refering to a CCA request when I say "I know nothing about it! I just wanted to know what the main reason/goal was for sending the CCA and getting the debt returned to the OC??

Hi Scott, thanks for the reply - it's credit card debt. I dont know anything about it really........I know it might sound like a stupid question, but what is the main reason/goal for requesting a CCA from a DCA ??

Hi, Where would I find a letter template for requesting a CCA from my DCA's ?? Thanks.

Sorry........in answer to yor question it's credit card debt.

thanks Ashmk..... Is there a letter template anywhere that can be used for this purpose?

Hi, I just registered and was hoping for some advice on CCA's - I have a few debts that have been passed to DCA's and I was reading with interest the discussions about requesting a CCA from the DCA - we are currently paying a nominal amount each month by cheque and have been doing so for around 12 months. Letters are getting a bit threatening, one recent letter from COLLECT DIRECT UK states that they may pass instructions to a local private investigator to make all necessary enquiries ????? Is the request of a CCA worthwhile?? Thanks in advance, Smudge

Hi There - Just registered & brand new to all this, wanted some info on requesting CCA's from DCA's - could someone point me in the right direction please - Thanks.