Does anyone have any advice for my next move? Thanks

they sent a copy of a cca with my details filled in with my new address, but without my signature! no signature!

its the default i need to get removed, they had my change of address and did not update their files and sent a default out to my old address after i had asked for a detailed statement of account.

Thanks Debt4get, i had previously sent your letter and the post before this is their response to it.

Dear Miss Smith Thank you for your recent letter which we received on 1st June 2010, the contents of which we note. This account was originally opened as a personal credit account on 11th April 2008 and was payable on a 28 day basis. Credit charges were applicable at the rate of 2.26 pence in the pound, (equal to 39.9% APR variable) every 28 days. Since the account was opened 8 payments have been made to Viva La Diva to the date of re-assignment totaling £331 .16. Please find enclosed a "True Copy" of your credit agreement, along with the current terms and conditions applicable to your account, to which you have agreed. We have also enclosed an itemised breakdown of the account dating back to April 2008 when the account was opened. When responding to a section 78 request, a lender does not have to provide a photocopy or other literal copy of the executed agreement nor provide a copy bearing or some other proof of the customer actual signature. I also note that you have attached copies of previous letters that you advise were sent to us to advise a change of address. We have no record of receiving a notice or change of address, therefore, we continued in our duty to send out statements to the address that we had on file for you. You have confirmed that you were fully aware that monies were still owed to Viva La Diva and we received no contact from you to advise that you were not in receipt of your statements. We remain of the opinion that it was your responsibility to ensure that payment reached the account using an alternative method. Our records show that we received a payment of £510.00 by debit/credit card on the 24th May 2010, in full and final settlement of this account. A letter of No Further Action was sent the The BCW Group to request that they cease all collections activity on this account. At this point a Notice of Correction was sent to Experian UK to record the account as settles on your credit file. There is no legal requirement to provide you with a copy of the deed of any assignment. A notice from the assignee, The BCW Group, is sufficient under the Law of Property Act 1925 to require you to pay the assignee. This will not carry your signature, as debts are freely assignable without this. As previously explained, this is not the same ass issuing a default notice as defined under sections 88 of the Consumer Credit Act 1974. Any defaults, which we file with credit reference agencies, are filed in accordance with guidance issued by the Information Commissioner's Office. The term 'default' on credit reference files is used to refer to the situation when the relationship between lender and borrower has broken down. We owe a duty to other credit lenders to ensure that the information lodged with the credit reference agencies provides a reliable reflection of an individuals credit standing and your request to have this information removed is therefore denied. We trust that this clarifies our position. Yours sincerely, I received this from reliable collections....can anyone advise

Dear Miss Smith Thank you for your recent letter which we received on 1st June 2010, the contents of which we note. This account was originally opened as a personal credit account on 11th April 2008 and was payable on a 28 day basis. Credit charges were applicable at the rate of 2.26 pence in the pound, (equal to 39.9% APR variable) every 28 days. Since the account was opened 8 payments have been made to Viva La Diva to the date of re-assignment totaling £331 .16. Please find enclosed a "True Copy" of your credit agreement, along with the current terms and conditions applicable to your account, to which you have agreed. We have also enclosed an itemised breakdown of the account dating back to April 2008 when the account was opened. When responding to a section 78 request, a lender does not have to provide a photocopy or other literal copy of the executed agreement nor provide a copy bearing or some other proof of the customer actual signature. I also note that you have attached copies of previous letters that you advise were sent to us to advise a change of address. We have no record of receiving a notice or change of address, therefore, we continued in our duty to send out statements to the address that we had on file for you. You have confirmed that you were fully aware that monies were still owed to Viva La Diva and we received no contact from you to advise that you were not in receipt of your statements. We remain of the opinion that it was your responsibility to ensure that payment reached the account using an alternative method. Our records show that we received a payment of £510.00 by debit/credit card on the 24th May 2010, in full and final settlement of this account. A letter of No Further Action was sent the The BCW Group to request that they cease all collections activity on this account. At this point a Notice of Correction was sent to Experian UK to record the account as settles on your credit file. There is no legal requirement to provide you with a copy of the deed of any assignment. A notice from the assignee, The BCW Group, is sufficient under the Law of Property Act 1925 to require you to pay the assignee. This will not carry your signature, as debts are freely assignable without this. As previously explained, this is not the same ass issuing a default notice as defined under sections 88 of the Consumer Credit Act 1974. Any defaults, which we file with credit reference agencies, are filed in accordance with guidance issued by the Information Commissioner's Office. The term 'default' on credit reference files is used to refer to the situation when the relationship between lender and borrower has broken down. We owe a duty to other credit lenders to ensure that the information lodged with the credit reference agencies provides a reliable reflection of an individuals credit standing and your request to have this information removed is therefore denied. We trust that this clarifies our position. Yours sincerely, I received this from reliable collections....can anyone advise

i will try to upload the letter better, i wish i could ignore them but they have placed a default on my credit file, i had informed JD Williams of my change of address and asked for a detailed statement of account before i paid anything else as i was sure they were adding incorrect charges. I'm now at a bit of a loss as what to reply.

PLEASE HELP, after requesting a copy of a signed CCA agreement from Reliable collections i received this letter . I had sent letters informing of my change of address and that i requested statements. I could not make payments to them until i knew where i was, The balance changed every time i rang up. They also could not send me a signed copy of a CCA, they just sen me one with their details filled in, and my details filled in to my new address!!! the one they claim they never got details of and the one i did not even know i would be living in the time of the agreement, also no signature (see att 3) Please could someone advise of my next move, i have also enclosed a copy of a statement they have now sent me, i have paid off the debt in a settlement figure but want to default removed from my name as i did everything i could to contact them and requested information. Thanks in advance Frey

sorry if this is posted in the wrong place. i'm new! I am having some problems with Grattan, I had an account with them some time ago and moved house, sent them a letter to change my address, heard nothing, repeated this 2 more times...still nothing, i checked my credit file to find a default from a company called eos solutions, after alot of waiting on the phone i found this to be the Grattan account( eos could not give me a statement of this account) So i called Grattan and asked to discuss the account and to have a statement of the account sendt to my new address. Rita at Grattan said she could not discuss the account, could not put me through to anyone in collections and that i must speak to Eos. i argued that i had given my address to them and its their fault if they did not update. I had tried. Advice please, Eos have now taken the account from the £229 to over £330. there was no reason for this debt to be sold on as i i had given Grattan my new address and asked them to send me statements so i could pay. HELP