Thanks for the very detailed reply Hippo , more than appreciated . I think I will wait for the 12 days to finish then send "in dispute" letter to the DCA as much as a delaying tactic than any , I have no doubts I will be sending a SAR to egg in the very near future as had a PPI issue with them a few years ago before I knew about places like CAG , they fobbed me off and just said the matter was finished with. I now know all that all of my 5 CCA requests have been delivered so might be a busy few weeks coming up . Hasn't stopped Aktiv Kapital phoning my mobile 22 times and RobinWay 9 times in 4 days ,oh and the lovely text messages from RobinWay , a record ? lol Advert seems to appear on last post each time , I had it earlier , can Site Team shed any light ? Thx again Hippo

Received first reply out of 5 hopefuls and it happened to be from ARC re: Egg CC , from what i can find other in other threads its there standard letter basically saying contact Egg for a CCA not us , they returned £1 P/O aswell In the CCA it clearly says " If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties" So do I return the P/O to ARC clearly stating the above paragraph or go to Egg myself ? Also how does my 12+2 now apply , is it reset or am I still working from my original date of when i sent CCA request by recoreded delivery ?? Thx all Caggers for help so far

Received first reply out of 5 hopefuls and it happened to be from ARC re: Egg CC , from what i can find other in other threads its there standard letter basically saying contact Egg for a CCA not us , they returned £1 P/O aswell In the CCA it clearly says " If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties" So do I return the P/O to ARC clearly stating the above paragraph or go to Egg myself , also how does my 12+2 now apply , is it reset or am I still working from my original date of when i sent CCA request by recoreded delivery . Thx all Caggers for help so far Can a Mod remove star rating on thread as this was a noobie accident on my first day in forum

Subbing - Just had my P/O back from ARC aswell , is it an Egg CC ?

Best nights sleep for ages and havent even got started, I guess asking for help really is the first stage. Searched like crazy this morning and found that the P/O should be payable to the DCA for now. Can't find anything regarding where to address it from so will just put "C/O" the address the DCA's all write to Off to Post Office to really start the process and start my 12+2 wait , will post again then , more reading time I guess Thx CAG

Apologies for rating my thread , only joined today . Can a Mod remove if possible Have letters,envelopes and P/O's ready to go , would be grateful for guidance on my two questions above Thx in advance

Thx for warm wlecome and fast response , picked up 5 PO's earlier in anticipation , 2 quick questions if possible . 1.Shall i send C/O address they write to or from the property I actually own as everything is sent to parents address from all DCA's? 2.Are the P/O made payable to the DCA? Thx in advance

Finally took the plunge to join and ask for guidance after many days of reading that have opened my eyes wider than ever before but at times also left me confused. Never been one to ask for help but I guess everyone admits defeat sometime in there life. Arough outline of my situation : Fell into financial difficulty about 3 years ago after a couple of clients knocked me for large sums of money and being a self employed (sole trader) construction worker , thats game over for many. Have struggled and fought my way to where I am today which is as follows Credit Card MBNA/Virgin £12k - Currently in the hands of a popular company called AKTIV CAPITAL - Letters twice a week phone calls 3-4 times a day starting at 8am finishing at 9pm , Account opened Oct 2005 , only had one chat with AKTIV a few months ago where i tried to set up a low payment agreement but was unable to even make first payment. Credit Card Egg Banking plc £10k - Currently in the hands of ARC(Europe)Ltd - Had an agreement of £50 per month with them but they recently reviewed it as I couldnt make 1 months payment, managed to make the payment the folllowing month and they have accepted that if I forward a I/O schedule to them. Unlikely I will be able make this months payment. Account was online only and can not access it to see when definately opened. Credit Card HBOS £1,500 - Currently in the hands of Robinson Way LTD , previously in hands of Robinson,Way and Comapny Ltd . Had an arrangement of £30 per month which i have managed to keep every month , Horwich Farrely send reminders and "payment recieved" with out fail every month Unsecured Loan Santander £2k remaining from an initial 6k borrowed - Currently in hands of Hillesden Securities Ltd I believe but have been dealing with Direct Legal & Collections. Had an arrangment of £20 per month but am unable to pay at present so am waiting a letter from them. Bank Account Santander £4,500 Closed by Santander a year ago as couldnt make the repayment plan they were suggesting , they advised I let it go to a DLC as might be easier on me , currently in hands of Wescott Credit Services LTD and letters also from Nelson Guest Solicitors . Have avoided contact to date I dont have any letters from any of these saying "sold on" etc so that is why I say currently in hands of. I do have a property which I have worked like crazy to get initially and have just cleared my arrears on and am now up to date with mortgage , but the DCA's chase me at parents address as its where bank accccounts were registered etc Having read as many threads as possible over the last 3 days am just looking for a knowledgable push in right direction. Was going to jump straight in with CCA requests to the credit card ones but a post at beginning of year confused me regarding the true worth of them (egg,MBNA). Due to the current climate the one thing I do have is time for reading etc If I have put too much info in this thread a Mod can Edit or delete as they see fit , being a newb Im not to sure but didnt want to waste peoples time posting back asking for more details so it's all here worts and all I look forward to any help I can get to help me avoid the dreaded bankruptcy and maybe even get a full nights sleep Thx in advance

Finally plucked up the courage to join and try to get some things sorted , although I have been reading for many days . All my issues are with DCA's so I'm off to post there and hope for a little guidance on where to begin. Cant believe the companies who have been haunting me are mentioned so many times. A truely amazing site and possibly a life saver Regards :D:D