What do I do about a DCA, that has not actually provided a CCA. They have forwarded the CCA request to original creditor and have now demanded payment again? Its Brian Carter. I only want to be dealingwith the original creditors. Also I would like some advice to put together a letter requesting a full and final settlement figure. I have an idea what I want to say but to detailed would help. Any advice appreciated.

Well a friend with a scanner hasn't come through so I am unable to scan a copy of the copy agreements. Crapquest sent me a letter today saying they are prepared to accept a settlement which is around half the original debt, Looking through Crapquest haven't actually provided a CCA but batwest did contact me after I contacted Crapquest. The bit I don't follow is my account will be closed and my "credit file will show as balance cleared with a special flag of partial settlement" Is this normal? I was considering contacting them asking for a full and final agreement letter before handing over any money! What should I do with this?

yeah I will see what I can do. leave it with me

The one for the payment protection is for a loan form bank for £6000, now £9462 including £1700 |nterest and £1500 payment protection. this was from N&twest through a creditor. it was a "true copy" cca too not the original. The original was from C&pital one was from Intrum Justita. for about £1200

Hello all, Oh on a side note. I have Long time since I updated, Well not a lot happened. I recieved in total two CCA's! this was a true original copy. it highlighted that there is over 1500 of payment to protection on a loan! I have also received "true copy" of a CCA. What do I do now? I guess all the un-answered CCA request all get a copy of a nice "account Dispute" letter! I have also moved now I know have reduced my cost of living expenses down from £1600 to £600 per month. Saving has commenced!

We have done this for a very long time, We have written to all the collection agencys asking for statement of accounts regularly. Most never acknowledge the letter has even been recieved. Yes this has gone on for this long and the original creditors never ask for money. We sometimes get monthly statements for some of the cards. Its absolute madness. my letter is the same as the one we created with Elsa's help. Not a account in dispute, Just saying forward relevant information or the original cca letter or I will dispute the account.

Ok so now I have another two CCA returned and they do not act on behalf of this company anymore. What do I do about them taking my money for the last 4 years or so? Of course I will be forwarding account dispute letters, Also they have not provided any information or indicated they are going to pass the request onto the original creditor.

I have been toying with the idea for emigration for a while. My job is good I like it, Thats it. My wifes job is good but its not great as the goverment is cutting so much money her job is not secure. We were talking about paying off the CCJ as this will hinder us emigrating, Then paying the one or two larger debts. If we go it will be for good. What has the UK to offer to any UK citizen? We work hard for our money and they work hard to take it off us?! The UK is a huge rat race and everyone is trying to get one over you. I read this

What about Emigration? What do I do? Pay CCJ and let others hang?

YEah my thinking too, Thanks tingy.

Sorry I meant they are stalling. thats why they are asking stupid questions like whats the bank sort code?

I'm gonna wait to do those requests as I don't really require that information at this moment. I will just forward a letter telling them, They have all the information related to my name. I will give them my full name and date of birth. The rest is up to them. If they reckon I owe them 10K then I reckon they should know who I am. Like I said stalling.

Ok, I see. Well I got this prepared. Think it covers all angles they are coming back at me with. You are right, it isn't hard to look for the information they need. My letter provided ll account numbers and reference numbers I was given. I think they are just stalling.

The problem is I forgot to blinking sign the letter. It was from a previous address, I have always paid everyone from day one. I have never missed a payment. Even my CCJ was paid to eurodebt but they failed to pay them, Thats how it become CCJ'd. Do I just resend a CCA request back to natwest with the original date Just signed?

I found this

Thanks Tingy, After reading all the help I knew all these companies would go back to their holes. I have seen the library. I will be printing the account in dispute letter for Apex. If they don't own the debt they aren't going to get a new agreement re-constitued. I will be going straight to the organ grinder with that one. PLUS its only £700 debt. Only issue I see is the letter is for if the timescale is not met (12+2 days) Do I edit this out and ammend it as they closed the account? One of the other responses was from na twest via Robinson Way, this is for a big loan. They want account details. They have kept my Postal order. So de I resend CCA request with new information?

OK Latest correspondence, Capquest have written back. They have put the account on hold for 28 days whilst they obtain the information I requested, They want me to provide proof of payments or correspndence to help with my enquiry? What? Don't understand that. Do I now send a letter of confirmation that I have received the letter or should I tell them the date I expect to receive the CCA? I guess waiting may be best option? They have been given their deadline to respond with request. APEX have written back, they are unable to obtain a copy of the CCA and they will be removing our account from their collection activity, It does say that although my account is un-enforcable it still remains and they may produce a re-constitued copy of my agreement. Do I send a dispute of account letter? Or a letter stating they need to provide information of original creditor or forward my request to them? Or both? I am also wondering wether or not to contact the original creditors of these debts, Want to start getting true debt amounts as I still am unsure of what I owe, the amounts the companies state via D CA's and the amounts on my report differ. Some of the debts aren't on my report

Think its just the weather/holidays disrupting it. Will go by date of their letter.

Darned royal mail. Trying to track the recorded delivery they have clearly received but it isn't available online so I can't get a date for my letter!

This is my letter

Very good! I like it. I will be forwarding some new letters. My wife has got her cre dit report today. There are two debts that say "gone away" and one says "settled" for the same thing that is now CCJ? Is that right to be on there?

Hello everyone, I have received a second letter with my postal order returned. This one states the account is no longer dealt with them and its closed. Yet last month they sent us a letter with statement of account~! What do I do about that? Do I ask where my money is going?

Black and white that is.

If you could put together a little guide on what to do about settling the CCJ that would be great. I expected to pay a minimum of 50%. Of course I will offer way below 50% to at least try my luck. you never know. Its great to have so much advice. This has been way more helpful than any of the goverment regulated companies that ry to offer me loans to pay it! Currently reading Seq's blog now

Ok, Now as I havent been dealing from the beggining I spoke to wife. Court judgement is for overdraft. the newman one is from same bank for a loan. I thought they were trying to collect same thing twice. This is my second largest debt, nearly 9k