Yes that is the only t&c's that was sent to me....do i warrant a reply or see if they write back to me again? Nothing from 2003 all that I got was the photocopied agreement and those t&c's with the statements

This is what was sent I hope I have sent it properly

Yes as far as I understand advice to be from previous posts on here I just don't know what to reply with as this has taken ten months to hear anything

Sorry what is AG? I will try and scan and send onto here (if I can work out how to do it) and no the last payment on the statements goes back to 02/09 and I have since just had letters from various Debt agencies since (I couldn't afford to pay when husband left and I had the kids)

Theoldrouge Thanks for your reply yes same as what is in #85 with the addition of the pile of statements and terms and conditions that I wouldn't know if they were them or not last page of t&c has a date t53r 01/10/08 I just don't know what to respond with now as I had nothing for so long and it had been passed on

conniff thanks for your reply this dates back to 2003 balance is just under 5k and last payment 2/09 Until today I received a letter from Arrow Global which has 1)Copy of agreement (same copy as I attached previously on this thread that another team/member helped me upload so not sure where that actually shows up but people had said they could see it (sorry to sound so dumb) 2) a copy of terms and conditions which are 7 pages long no signature on where it asks did I want cover on card or not and also a whole pile of the originators statements it says which are dated till 09 too.

Can someone please advise next step. I have heard nothing since I last posted until this morning I received the same photocopied copy of my agreement which I have previously scanned on here for people to look at and also a big pile of copied statements of my account since opening and what I assume is a copy of the terms and conditions. How do I reply to this and why has it taken 10 months to reply? The letter is from Arrow global

Thanks. I will await and see what they come back with.

Going around in circles. As I had already received the agreement as in previous post I thought they would have sent that again or maybe they are thinking the client is sending something else. Shall I just wait and see what is sent next

Reply today saying they are going to pass on my request to their client. Do I just wait now and see what they send? TIA

I shall get on it tomorrow and post it. I had already bought one to post so will get that done and await the reply. Thanks for your help

But I will have to send the CCA to receive the same 'signed agreement' to then be able to send them the above or can I just send that letter now? I held off actually posting the CCA (CCA sent in past were to previous DCA) who also went round in circles then passed it on. I have only posted the letter template to prove the debt as I hadn't heard of these people and the original letter didn't state any accounts etc just that they were trying to collect the debt. The reply to that letter was the signed agreement. So just wondering do I have to have asked for the CCA before I can write the non compliance? TIA

I followed advice from above post and didn't post it as I had done so in the past and received nothing so felt like I was getting no where fast. Shall I send the CCA letter? They have already sent the signed agreement (they claim they have sent me everything they need to supply me with) Above posts advised after seeing the agreement that it hadn't been fulfilled so I send the CCA and received the same signed agreement as shown then what? round in the same circle?

Another letter today from them saying that it is being passed to their client to ask them for their next step as to what to do (I held off sending the CCA letter) and this is what had arrived today. Says I have 14 days to ring them... ..to arrange a payment plan with them and the letter they have sent will be used against me? next step advice please?

No I didn't send the letter as I had sent it last time and got nothing back. Shall I write back or leave it. The letter says they are reporting it back to client for them to decide on further action but I have 14 days to contact them?? rather confusing when it reads being passed back but contact them? TIA

Another letter today (nothing for well over a month) which is telling me that they will be passing it back to their client to ask for next steps and the letters I have not replied to will be used against me. I have 14 days to reply. Each letter seems to say something different. Advice on what to send them please

Slick123 I didn't receive everything to complete the SAR request they only ever sent me a pile of statements? Do i write back or just wait and see what is sent next or should i send letter to advise that i don't want door step callers

Thanks Ford. no payment since 2008 as I hadn't been aware that the bank continued to take any money out until the first DC letter arrived

Do I just wait and see if they send another letter or do I send the I haven't received the SAR from the bank etc letter so it is in dispute?

Letter today from Scotcall it has been passed to them to let me know a doorstep collector will visit if I don't pay. Do I write to them?

I think that was possibly said in jest it wasn't intended as serious. I think I shall await and see what it sent next before I do anything else seeing as it is the same DCA as last time

Thanks I think I will hold off posting the CCA that I prepared earlier and see what else comes back...after all I have 30 days to cough up in full I am wondering if my ex has actually phoned these people up as soon as my divorce is through these two letters arrive

Claim form? As in court action I am guessing sorry to sound so dumb! I just worry that I should reply if they send. However I feel today it is making me feel ill when it feels like I am going round in circles with the same people

I would have to turn the loft and garage upside down to find them 4 kids sooo much still boxed up! It is under £750 £485 on the letter. Feel likes over last two days sinking depression has set back in as I haven't got a clue about this and ex husband has walked away without any of this debt and I have the kids to think of. I just can't understand why I have received two letters in three days r e: two different debts the same bloody day my divorce came through after 5 years of fighting that too aghhh sorry to rant as I am very grateful for the help and advice. Do I just see what they send next?

I don't have a clue where they are at hand as I have them stored somewhere (moved three times since they were sent) If I can think correctly the charges were arounf £100 of the it and the rest was taken for the card loan and a membership that was for breakdown cover that shouldn't have come out as I had already advised of change of bank so in reality that was taken twice (that being another matter I dealt with the company for the double payment who sorted it) however I didn't know it had been charged to my account until the statements were sent to me via the sar. Shall I just wait and see what is sent next