Thank you everyone!!!!!! I obviously have not actually acted on any of this yet but I am so glad to 'speak' with people who have had similar experience. I am constantly being called on the phone by these people and left 'demands' to call them back.I did think that I was entitled to request that everything was handled in writing (I am quite happy for this to be via e-mail) as it is obvious that one needs 'hard copy' when it comes to arguing the toss!!!!!!

I would just like to thank everyone for answering me so quickly!!!! It certainly is a massive help to know that you are not alone but I am still a bit apprehensive about tackling some of these people - they are all very intimidating.All of my credit card and loan agreements are pre April 2007 and although I have never sought to 'welsh' on any of my payments, I do feel that over the years they have more than made their money out of me!!!

I appologise in advance for my ignorance in this matter but how do I tell if a DCA is acting on behalf of the original lender or has actually bought the debt from them. Are they then entitled to claim the entire debt back from you or only the amount that they have 'bought' it for?

I am a new subscriber and am confused about the pre April 2007 unenforceable credit agreement subject. Is this a viable route to explore and if so what is the best way of going about it??

Does anyone have any knowledge of or advise about a web site for DPC Registry which claims that many agreements taken out before 6th April 2007 are unenforceable credit agreements and that repayments via Debt Collection Agencies can be stopped?