And does this mean they still have to remove me from their records & any credit ref agencies while this is going on? Sorry if i'm asking really obvious questions guys.

Ok so a company called Cabot have responded to the letter I sent to fire, is this the correct proceeding as all my correspondence / evidence is with fire? They have also returned my postal order (funny this one actually turned up because they'd sent 10 letters to me (apparently) and That's why they were calling me every day!) it says they do not currently have this information on file but they have requested it from the original lender & anticipate they will be able to provide this within 12 days. Do I continue to stand by & wait? Is this all normal & correct action by fire / Cabot? Thanks once again guys. x

Ok guys so letters / £1 postal note etc have now been sent this morning to both companies, I thought i'd save myself time by grabbing templates of other letters while there (the one regarding not signing the the letters & the follow up one to send after their time is up etc etc) I will keep you posted & let you know how i get on lol Thanks guys. D

Guys thank you so much, How do i get around not knowing the account / ref number? Do i call them to obtain this info? Thanks Again.

They won't / haven't written to me since I've been requesting them to for over 2 months now, should I write to them anyway as I'm sure it won't be difficult to find an address or do I need / want them to write to me first? Also is the next step opening up a dispute / requesting them to send me a copy of the original contract agreement etc? Sorry if I'm asking silly questions. Thanks D.

Thank you for response already, it's only down to reading threads on this site that I now know not to speak with them & have started to request for the matter to be dealt with by letter. I really can't thank you guys enough. D.

Hi, sorry if I'm in the wrong place but since finding this site my laptop has been down & I'm viewing from my phone & it's kinda confusing. Basically i split up with my partner 4 years ago & have recently been contacted by two companies regarding credit card debts that didn't get settled when we broke up.. One I paid up at the end of last year after receiving threatening letters but there is £99 remaining this company is called capquest - the second is a company called fire but fortunately found your site before paying them anything.. The problem is the amount of calls (anything from once to 5 or 6 times a day) I don't have any letters from either company so every time they call I ask for them to write to me with details & I will reply / respond in writing but they keep saying they have written & won't send anything recorded delivery as it's against company policy so I'm just going round in circles. I've now started to say I don't give my personal details out over the phone so they will have to contact me in writing but they are now getting arsey on the phone.. I don't have any account details or information on the debt so don't want to write to them first as I have nothing to reference to. I'm just looking for advice or help really as I don't know what to do next besides ignore the calls but I'm worried about my credit rating etc.. It's really starting to wind me up. Thanks so much for your time & for your work on this website, it really has been priceless to me already. D.