Hi Guys, I'm back again. I've been trying to sort out the problem with reliable collections, but I haven't got very far, and now I'm really worried. I can't remember the exact date I opened the account, but I was sure it was just before April of 07, but it may have actually been that month. I received another letter today, and I really don't know what to do. As I said, when I opened the account I was working and could afford the payments, but now I'm sick and not going to get better, I just can't afford what they're asking from me - £45.00 a month. Please, could someone help me. I definitely didn't sign a contract, and tbh, I had no idea it could snowball like this. In the latest letter, there's definately a threatening edge coming in. They've said "This account has now been held in abeyance for a considerable length of time, and whilst we appreciate that a dispute has been raised, we cannot hold the account indefinitely. All points raised have been answered in full, however, without your final instruction we have no alternative than to recommence collections activity on the account" and then ask me to call the management team. Please, someone, I need some help, I'm really worried about this, and now I don't know what to do. Thank you

Sorry, it's really small, I'll try this instead - "...In the absence of any valid dispute over the balance of your account, we consider your assertion to be purely based on the fact that you claim the relevant credit agreement has not been signed. Important changes mean that as your account was opened after April 2007, even if we cannot produce a signed agreement (which is not admitted) we have the right to apply to the court for an enforcement order. Unless the courts find prejudice by the alleged failure to procure your signature, which we do not consider to have been prejudiced by the alleged omission of your signature, we are confident that we would be successful in being granted an enforcement order in respect of the agreement. If you continue to deny any liability and fail to fail to make payments towards it, we can apply to the court and reserve our right to seek costs and interest. In addition, our rights in relation to pursuing you for the full cash balance of the goods are fully reserved...." It' paraphrased a little, but that's the essential parts of the letter. Please help.

Hi guys, I sent Scott's letter and it took a while, but I finally got a reply. Now I'm really scared . Is there anything I can do? Please, any help would be so appreciated. Thank you. I've attached a copy of the letter I received, as the site isn't allowing me to post a link in my reply.

Thank you this is excellent. I shall be sending that off shortly.

Does anyone know what I should do now? or am I stuck in a lose-lose situation? Thanks everyone.

http://imagefrog.net/show.php/110068_img001.jpg http://imagefrog.net/show.php/110069_img002.jpg Hope that helps thanks

[ATTACH=CONFIG]21156[/ATTACH][ATTACH=CONFIG]21157[/ATTACH] I'm not sure if this worked. I hope so. Thanks again.

Hi guys, thanks again for all the help, I've never had this type of trouble before and I'm really grateful. I've scanned, and now I'm uploading what was sent to me. The credit agreement had two copies, the one I've scanned, and an identical one with my name and address (NOT the address I was at when the account was opened) and the letter I received with it. In it, it claims all charges were suspended, but this isn't true as my latest statement had credit charges listed on it. Any help would be great. Thanks again.

Hi everyone, I've been having some real issues with Simply be/yours and reliable collections. Thanks to the amazing advice I received here, I CCA'd them. I just have no idea where to go from here. I was advised to CCA them as the debt on the account had grown so much that I really couldn't cope due to the piling on of interest. I also didn't sign anything in agreement with them, or with reliable collections who took an unauthorised amount from my account, but which I got back with the direct debit guarantee through my bank. I sent a letter, recorded delivery, not-signed by hand, with a £1 postal order, to the two different addresses I received for reliable collections, and I got a letter back yesterday morning. I was just wondering what I should do from here. The letter states that "when responding to a section 78 request, a lender does not have to provide a photocopy or literal copy of the executed agreement nor provide a copy bearing or some other proof of the customer's actual signature " they also state that they've enclosed a true copy of my agreement, and the T&C's "to which you have agreed". They also don't have a start date for the account, it just says the account was originally "opened on {my name here} as a personal credit account." I looked at the 'True Copy' and it has my new address on it, not the address I was at when the account was opened, and no signature of mine, though they've asked me to sign it and send it back, which obviously, I've got no intention of doing. Funnily, the letter comes from Simply yours, and not reliable collections, as I would have expected, as the letter was recorded delivery to Reliable Collections. Can anyone help?

Hi all So, I CCA'd them, and got a letter back yesterday morning. I was just wondering what I should do from here. The letter states that "when responding to a section 78 request, a lender does not have to provide a photocopy or literal copy of the executed agreement nor provide a copy bearing or some other proof of the customer's actual signature" they also state that they've enclosed a true copy of my agreement, and the T&C's "to which you have agreed". They also don't have a start date for the account, it just says the account was originally "opened on {my name here} as a personal credit account. I looked at the 'True Copy' and it has my new address on it, not the address I was at when the account was opened, and no signature of mine, though they've asked me to sign it and send it back, which obviously, I've got no intention of doing. Funnily, the letter comes from Simply yours, and not reliable collections, as I would have expected, as the letter was recorded delivery to Reliable Collections. Can anyone help?

I definitely didn't sign anything. They sent me a threatening letter and I called them up to try and explain. I wasn't told that the interest would carry on and I wasn't sent anything through the post. All they did was set up my direct debit and asked me to pay £2.00 which I did. They then told me to make another payment of £43 before the 31st July, and the direct debit would start on the 21st August. However, I checked with my bank this morning and they took the £43 I paid over the phone a few days ago, and have now taken another £45 yesterday (the 28th of July).

I'll do that. I definitely didn't sign anything, I don't think there even is an agreement, other than over the phone. thanks.

Thanks, I'll do that today. I really appreciate any help I can get.

Hi, Thanks, how do I go about CCA'ing them? I really am totally new to this, sorry.

Hi all, I'm having some difficulties with simply be and reliable collections as are a lot of other people. I've had my account with simply be for about 5 years. It was only about 18 months ago I ever missed a payment. I suffered identity theft and lost my job and home, and I'm now not working due to a health condition. The interest on the account is killing me. I was paying £40 a month, which was difficult, but I thought I was getting somewhere. When I looked at my subsequent bills I saw that over half of that was interest and charges. They've now passed my debt to reliable collections. I have no experience with this kind of thing. I'm 25 and I've never defaulted on anything before and I have a feeling they're railroading me. I've agreed with reliable collections to pay £45 a month, direct debit, and simply be have cut my account off. However, when I received a letter recently, it said that I'm still being charged interest on the debt, even though its now with a collection agency. I really don't understand what I can do, or even how to go about it. Can I get them to stop the credit interest? or freeze it? The debt has gone up to over £1000 now, and I don't even have a breakdown of where that sum comes from. Please, I need some help. I'm drowning, and it feels like I'll never get this debt paid off. Thanks for your time everyone. Tillyoulostme