I never refer to DCAs "clients" in correspondence to them. "Clients" belong to professionals like lawyers and accountants. DCAs are not a profession. They have "customers" and that is how I define the OCs in communications with DCAs.

P1. Hi there. Hope ur well? Have Freds sent you one of their nice bright yellow "Confirmed Resident" greetings cards yet? I was thinking of sending a spoof one back to them marked "Confirmed Tw*ts." LOL

exes? hmmm...loadsa hints...you don't work for a CRA do you????

ok, thx.

Update: The BNZ continued sending letters and statements showing balances. They were also ignoring my letters, even when faxed and sent international signed for. So I complained to the Banking Ombudsman in NZ, which is done on-line. After some to'ing and fro'ing sending copy attachments (supposedly all done electronically but ended up having to post stuff out), the Ombudsman down there wrote to the BNZ. I suddenly received a very apologetic letter from someone who knew what they were doing at the bank, who expalined that their internal departments were stretched due to the recession there and that the abnk had screwed up. Yes, my F&F had been accepted and I wouldn't be hearing from them ever again. He was true to his word. I haven't. So a successful F&F was made, albeit one that I had to struggle for. DS

Brig, if you phone up to cancel your Experian account they'll reduce that to £3.99 pm mate ;)

If you complain then they MUST respond within 28 days. Then you can get heavy with 'em

I don't believe it is on the current version of the site. There SHOULD be an option for its deletion though.

The marriage will have invalidated his original will regardless mate. There are a few factors militating against a successful claim here: 1. Revocation of original will by marriage 2. The new will was professionally drawn up by solicitors 3. There is a presumption of capacity that must be disproved 4. If the Will were ever to be successfully challenged (which imo will be very difficult), then an intestacy situation arises becaiuse of 1 above. This results in the first £250,000 worth of the estate passing to the widoew and her then getting a life interest in 50% of the balance, reverting to the children when she eventually dies. All in all, not a good scenario. So, what you need to do is: 1. Somehow get a copy of the attendance note the solicitors made when they took instructions. This will show all manner of things; such as whether they were made aware of his mental state; if they suspected his mental state; if he was alone when they took instructions (ie is there a risk he was under duress or being unduly influenced etc.) List goes on but you get the picture. 2. Find out of they got a medical opinion on him prior to his executing the will. This is a MUST where (a) an elderly testator with a history of mental illness / dementia is concerbned and (b) where there are competing claims on the estate. It is called "the Golden Rule." If no medical obtained by the sols then you may have case IF there is sufficient medical evidence of his lack mof testamentary capacity. This comes down to affidavit evidence from the deceased's consultant and GP. The big problem here is that even if the Will is challenged, there would be an intestacy situation.This might be better than the whole estate passing to spouse of course. http://www.osborneclarke.com/~/media/Files/publications/services/tax/intestacy-rules-how-an-estate-passes-without-a-will.ashx Another option is for everyone to agree to a compromise and enter into a deed of variation, effectively re-writing his will. Hope this helps mate. You can find specialists in this field on the ACTAPS website. Apologies to any posters above if I have replicated their advice; I didn'ty have time to read the whole thread. DS

My egg loan has been bought by arrow who have instructed westcot as their DCAs. possibly some sort of tender or beauty contest going on which westcot are winning?

cheers m8.

Good. I'll write initially for their bank account details, make my offer. When they ignore I'll send the SO payment. If anyone does pass this way that can throw some light on Arrow's banking arrangements - if anyone is paying them direct at present - please PM me.

Thanks. It was a bit of sesh thrashing this out but it looks like a plan. However, Arrow Global presumably will ignore my request for their bank details and simply keep hiving the debt off to a succession of DCAs. In the meantime, I genuinely want to pay something towards the debt and the question is, how? Does anyone have the bank account details for Arrow Global? Should I send them a cheque each month?

sorry, am I missing somehting here as I cannot see what is wrong with this post at all??

The consensus on another forum I've been posting on regarding this is that Egg can absolutely assign the loan DESPITE it being in prior dispute and REGARDLESS of the FOS involvement. However, it has been suggested that I write to Arrow direct (ignoring Wescot) with a view to asking for Arrow's details so I can pay my £20 pm direct to the new owner. Presumably if Arrow then ignore that request this can be used in court as I have offered to pay the new owner. Wescot meanwhile cannot engage in collection activities on an account in prior dispute. That's pretty well as far as I've got. Any of that make sense?

No it wasn't. Why do you ask?

NOA received from Arrow 2day. The DCA will be Wescot.

But, bear in mind that in my case the FOS are involved and adjudicated against Egg and have failed to comply with FOS. Does that make a difference? Also, am worried that stag's post being hijacked here mate. Had opened my own, can we continue this there?

not good news Brig.

If you can't you can't, at least you've done your best dude. Just fight to them to the last breath man! Don't lest the barstewards grind you down.

Hippy mate, you aint alone and btw really appreciate your honest 'sod 'em all' attitude. good for you man. try and keep your house as long as you can though mate. renting can be ****ty and its a hard road back and at 52 it'd be even harder. try and do wahat you can to stay in the house dude. keep on truckin' DS

right...so what does egg do if it cannot hive off a subprime account because to do so would breach the OFT Guidance and s40 AJA 1970? Am thinking here of accounts in prior dispute.

silverspar - are egg selling all of their loan business or just the bad debts do you think? makesa difference to the tactic I am about to employ against them.

like you robbom i have a prior dispute with egg. so i will get ready to send 3 letters (egg, Arrow, and the DCA). i want egg to be forced into taking this account back

Indeed mate, my Egg loan balance was reduced by a third because of PPI, interest and charges. Send them a SAR and do some digging around buddy.