Just an update I am sending out the default letters today, (I gave them 14 working days) I just wanted to ask quickly is this letter up to date and still valid: http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale Or are there bits that need removing and/or changing? I am working my letter form this now but want to check before I send it out. Thank you.

I am +1 for talking to them, when I started out in business I moved alot and didn't fill in returns, needless to say I ran up a huge bill because of what they calculated I would owe and penalties for not sorting it. 3 Years later when i finally settled and they caught up with me I explained my situation and made an appointment to go see them, they wrote off all the penalties and worked out my tax bill (which turned out they owed me because I had been paying a high tax rate for employment, good times) and that was that. Needless to say i fill my tax return out online every year as it is due now, but my point being they are really quite helpful people even if like everyone else you do resent being taxed on what you earn

I know they can't blacklist an address only a person and if you truly are not the woman they want then i don't think they could mark anything against your credit file personally as they would need more then just your name I would imagine. I would suggest at this stage just keep doing what you are doing, phoning them never works :-\

First off and thanks to another thread on this forum you should take a look at this website: Severn Trent Trust Fund - UK With regards to the phone calls, just refuse to speak to them, there is even a letter you can send stating you will only correspond in writing. Stay firm on what you can afford, if that is all you can pay they will have to accept that, don't let them bully you into more.

Aye, well it was either that or spend another 2 hours working, and Reading this was slightly easier on the eyes I think the help you gave was above and beyond by the way and it's great to find a whole community of people willing to help each other without expecting something back. Restores some of my faith in humanity.

I just spent nearly 2 hours reading 37 pages for the result even though I seen the **won** in the title lol. Was still interesting though and congratulations

You need to take your name and reference number off the letter you just posted

Just had my first response, which came from Aktiv who only signed for their letter yesterday so they got this back pretty quick. It basically says they don't have what I want but I will let you see for yourself Click for larger image It was a nice start to the day anyway and I can't stress enough how thankful I am for the help and advice I have been given.

Hi, and sorry to hear about your troubles. I seem to get away with a lot of the phone abuse because of how I speak on the phone, but my Wife has gotten it in the past so I know how it can get. You mention they call you sometimes on your Mobile, if this is the case most mobile phones have the built in ability to record calls, you should use that so you have evidence of the threatening behaviour, in case it goes further. Secondly here is the letter template to withdraw the right for them to call at your house and to state you will only deal with them in writing. http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit- Hope this helps and I hope everything goes well with your pregnancy.

Just wanted to update the thread to inform that Today I sent 2 CCA requests to 1st Credit and a CCA to Aktiv. All Recorded/Signed For, with Postal Orders. I also used a watermaked secure signature on the letters. I am not sending the CCA to Central as they are part of HSBC so I am just going to send a SAR to HSBC directly. Thanks again to everyone for the advice and I will update if/when I receive a reply.

Hey I was reading this yesterday while researching for myself: Write off your debts?: Can you really challenge credit agreements?... I think they are claiming that as that article states they only have to provide the details of the debt to chase it and not the actual CCA, but I still think that renders the debt unenforceable although they can still chase for it. Some good info on that article regarding the recent changes. And some great advice on these forums

Hey and thanks you so much for all the replies and help. I have read through everything and think i know what my first course of action will be based on your input. Firstly though I got another letter from 1st Credit asking for a different amount so i now think they may be chasing two debts from my Lloyds Account. This is what I intent to do now: Send a SAR and 2 CCA Requests (one for each debt) to 1st Credit. Send a SAR to Lloyds for any previous communication before the DCA took over. Send a SAR and CCA Request to Aktiv Capitol. Not sure where I stand on sending a SAR to HFC Bank as they were apparently took over by HSBC. Send a SAR and CCA Request to Central Debt Recovery Unit. Send a SAR to HSBC Bank. I might aswell send the CCAs aswell as it is only £1 extra and ensures I get everything. Is this pretty much the right course of action or am I overdoing it on the SAR front

Hey and thanks for your reply, I just wanted to update, I had only checked my Experian credit report and the Lloyds Default wasn't on there so i presumed it went in over 6 years ago, however, earlier I signed up to Equifax and the Lloyds Deafult is listed on that one and is dated November 2005 So it isn't Statute Barred yet. I was reading another thread about "Unenforceability" using a request for the CCA, is this something I should also consider. I will be sending out a Subject Access Request to all three companies now on Monday. One other thing I wanted to know was, does sending out the Subject Access Request mean I am acknowledging the Debt and therefore restart the counter on them? Also if you move about alot (I have had 4 addresses in the last 6 years) and they claim they was contacting you but you didn't reply does the 6 year time limit still apply, or is it just if they never contacted you. Again, thank you and I will keep the thread updated with how I go on this. Lesson One: Always check all your credit reports

I have been reading the forums for some time and have built up a wealth of knowledge although in the end I think I learnt so much from the forum that I am now confused about which of the many paths I should take in my situation. I was hoping if I detail the situation I am in, maybe someone could further advise me. I will be as open and honest as possible, I will also add I have tried the CAB but they couldn't help me for around 2 - 3 months. I am having problems at the moment with 3 seperate Debts and am being chased for them from 3 seperate companies, I will just go through the details one at a time. Sorry in advance for going on a bit. First: HSBC / DG Solicitors / Central Debt Recovery This is for a loan and overdraft I had with HSBC bank some 5 Years ago. I fell into arrears when I lost my job and couldn't keep up the repayments, I tried to contact HSBC and offer a lower amount but they stated they would only accept the actual repayments which where at the time nearly £200 per month. In addition, they would not freeze or close the account and continued to add interest and charges until they eventually Defaulted the accounts in October and November of last year, this drastically raised the amount I owed and now stands at £3000 Since they finally defaulted the account I received a letter from DG Solicitors demanding full payment and threatening legal action, and now from a company called Central Debt Recovery Unit who are also demanding full payment or they will take further action. I have not contacted either of the companies in any way so far. Second: Lloyds TSB / 1st Credit This again is from bad account management and an overdraft which went wrong. This debt is from when I was 18/19, about 7 or 8 years ago. The maount on this Debt is £1000 Although Lloyds originally did chase me for the debt when I explained I couldn't pay (at the time I was in education no money) they left me alone, then in February this year I started getting Letter from 1st Credit saying that Lloyds TSB had assigned everything to them and they demand full payment. With the last letter threatening me with Legal Action and Bailiffs. This was defaulted by Lloyds so long ago it isn't even in my Credit Report anymore. I have not yet contacted 1st Credit in any way. Update: It was defaulted on November 2005 Third: Aktiv Kapital / HFC Bank This was a debt for finance taken out in 2004 with HFC Bank, I had made repayments for a while before I lost my job and couldn't make the repayments. I didn't contact HFC to make alternative arrangements at first and then eventually I started to receive letters from Aktiv Kapital (I think it may be the same company). The amount I owe according to Aktiv Kapital is £1800 as of today yet when the account was defaulted in August 2005 I only was outstanding £1600 and I would like to add I made a payment agreement with Aktiv and was making payments for the last couple of years and I apparently Owe more now then I did. This account is still with Aktiv though I have now stopped the Direct Debit as I tried to talk to them and they just fobbed me off, the Direct debit was also made on the understanding they would reduce the Debt which evidentally did not happen. Last contacted them last week to no avail, would like more advice. If you made it to here, then thank you for reading, I would appreciate any advice with regards to how I should proceed with each of these debts. I am in a much better position now then I was then and manage my accounts and finances very well, but these outstanding debts and constant letters do add an element of stress and hence I would like to resolve them. I would just like to know I am resolving them in the best possible way. If there is additional information needed to advise that I have left out please let me know and I will supply it. Thank you again in advance.