I followed the advice in this thread. Sent them the letter then did nothing. It has now been passed on to a different company. Credit Security Limited. I think they know they haven't got a leg to stand on and just try and scare you into paying. When that fails they pass it on. Thanks again to the people that helped me in this thread, like mlord said, really are fantastic people

Thanks again for the advice guys. Been ignoring them but they are now threatening to send a door step collection agent. I think I remember reading somewhere that we could send them a letter telling them to not knock on our door? Or should we just continue to ignore them? Also what should I do if someone does turn up?

Thanks again. Was searching the site for a template account in dispute letter and the only one i could find is the one in this post: http://www.consumeractiongroup.co.uk/forum/show-post/post-2609436.html Is that the right one to send? Don't really want to put a foot wrong.

Thanks so much for the help guys. Really appreciate it.

My girlfriend has been being dogged by Wescot for an old debt. Recently they've really ramped up the letters (big red "important" banners etc) so we came here for advice and sent off a request for the CCA along with the postal order. We received this letter back: We refer to your recent letter requesting a copy of the credit agreement for the above account, pursuant to the Consumer Credit Act. We are not the creditor for this account but instructed on behalf of the above client (arrow global ltd). In the circumstances, we are returning your postal order which was made payable to Wescot credit services as this needs to be made payable to Arrow Global LTD. You can either send your request direct to our client or resend it to us and we will then forward it to them. In the meantime, you will need to make arrangements to pay the account. We shall place the account on hold for 14 days to enable you to agree a repayment arrangement, but if we do not hear from you, it will be returned to the collections team. Not Really sure what to do from here. Are Wescot allowed to pursue the account and do we need to resend the CCA request to Arrow? Or should this letter be taken as an admittance that they don't have the CCA? Any advice would be great, thanks.