Well it's better than nothing...we will give it a go. Thanks to the help and advice from you guys on this site I have just discovered my first unenforcable CCA so let's hope this is the start of some better luck and much needed financial help for me and my OH. We will start on reclaiming credit card charges next!!

Fab!! It would be nice to win them back!! Can you even win those where it's your own fault because you missed a payment? What happens if you win them back....do they just go towards reducing the balance owed?

So all fees/charges from the account opening??

Thanks ims, we will just vent all our anger on BOS instead! BTW, what about reclaiming charges from BOS? Can only those charges incurred once repayments ceased and the card went over it's credit limit be reclaimed?

Thanks ims, I suspected it was just a standard frightening letter but I was worried because no usual "doorstep collection" letter has been received. The mention of "intended litigation" rang alarm bells (although I suppose if the emphasis is on "intended" then we shouldn't really be worrying). We will liase in writing with just the OC now but I'd still really like to give Moorcrap a piece of my mind with an email today.. .then at least the OC can't say my OH didn't try to resolve things by 27th May.

Thanks for your advice Brokenbutnotbeatn....does anyone else have any advice to offer please? Do you think it's possible to reclaim any charges back? Do we need to send a SAR to BOS to do this? BTW, Broken...the ratty pix are DX's not mine....but I do have a rat which looks exactly like that and another rat too so I guess I'm equally mad!! No offence taken by the way!

Ok, here's the offending article from Moorcrap..... Hope it's readable. BTW, I was thinking of sending an email for my OH to Moorcrap along the following lines (I know you've all told me to ignore them but we feel we should have our say). What do you think? Dear Moorcroft, I am writing with reference to your letter dated 20th May 2011 asking me to contact you by 27th May with a repayment plan for the outstanding balance on my BOS credit card. Firstly, due to the lack of time you have given me to respond to your letter, don’t you think you would have been wiser to send it by First Class post and not Second Class because I didn’t receive it until 24th May?? Secondly, I am being chased for repayment of this debt by both yourselves and Albion Collections and I understand that it is against OFT rules for a debt to be chased by more than one party at the same time. I have also received no notification from BOS that they have assigned the debt over to either Moorcroft or Albion so if you do not want to be involved in being in trouble with the OFT or Financial Ombudsman then I urge you to contact your client (BOS) immediately to inform them that I will only deal with BOS directly until such a time that the debt is sold on elsewhere. You can see the email I sent below to Albion [A COPY WILL BE FORWARDED TO MOORCROFT BUT NO NEED TO ATTACH IT HERE AS I’M SURE YOU WILL GET THE GIST OF IT’S CONTENTS] (for which I have still not received a response) clearly shows my current health and financial situation. I am willing to pay the £1 a month token payment but at the moment I am very confused about who I should be making this payment to. I will therefore offer it directly to BOS and you are more than welcome to inform them of this. I shall be writing separately to BOS to re-iterate what I have stated above. I demand that you chase me no further for this debt until you can prove you have a right to collect it. I look forward to your comments on this matter. Please note, due to my illness, all communication should be made in writing only. You are welcome to correspond by email if you wish. Regards Sorry for the delay, been having computer problems. Please see attached Moorcroft letter in PDF format. Do you think I should respond with my draft letter above or totally ignore it and only deal with the OC? Sorry that was not pdf...THIS is pdf!! Moorcroft 20-05-11 pdf.pdf

Thanks so much to all of you for making us feel less depressed about this situation. We are so grateful I will post a copy of the Moorcrap letter in a short while. The original credit limit of the BOS card was £9200 and the balance now stands at £10605. I have kept a paper trail for all parties involved. Incidently, the latest statement from BOS shows interest charges of £225.99 added to the balance and I've just notice that it looks like they have credited £12.00 to the account so it looks like they may have already refunded a late payment fee, even though my OH has had no notification of that. Can any of these interest charges be reclaimed? The minimum payment they are asking for by 31st May is £1658.96... ..dream on BOS!! I'm sure my pet rats wouldn't mind ending up with this junk for their bedding either....lucky for them they can't read!!

Thanks ims, I feel much better now. If BOS petition for bankruptcy, they could get the vehicles that way couldn't they? With regards to claiming back charges, which charges can be claimed? My OH has incurred late payment fees and exceeding the credit limit fees since he's been I'll but surely he can't claim those back since it's his fault he has not paid?

Hi Ims, Thanks for your further reassurance. This is the first time my OH has been in debt, although I have myself for some years now and am dealing with DCA's so that's why I thought my OH should too. Just to keep the wolf from the door.....obviously not!! As this is a very large debt and BOS a very large company I'm really worried about this being taken to the next stage. We can carry on writing to BOS but do you think I should write to Moorcrap just to say that my OH is not going to deal with MC, only BOS? I just think it covers him really.BTW, what is the timescale for things to progress to the next step if my OH cannot keep up his payments or BOS will not accept token payments? As I said before, this BOS debt seems to be moving far quicker than any of my debts have so I'm really worried due to the size of it. We don't own our home but we do have vehicles (our only assets) so I'm worried they could get taken off us.

Hi DX, As I said earlier, it's a credit card. I will have to check on your other 2 points but I think it was taken out in 2007 and the last transaction was about 4 or 5 months ago (payment not purchase)

Thanks for your reassurance Sarah. The fact is, my OH wants to avoid this getting as far as court and so we feel it's best to communicate (in writing) with these guys to keep them sweet. There are so many people on this site communicating with DCAs so I can't understand why DX has told me not to. As I said before, the OC is not responding back to communication so my OH has to communicate with someone. Ignoring the debt will not make it go away and will probaly only produce court papers / statutory demand. We don't want it to get to that point.

I think he needs to contact someone as otherwise it is if he is ignoring the debt and this will look bad on him if it went to court. He's probably missed about 4 payments or so since he became too ill to work. I myself have debts which have remain unpaid for a lot longer than this so I'm suprised at the speed by which it is being chased but I guess that's because it is about £10k. Only scared in case this thread is being noted by one of the DCA/OC's and gets used as evidence if taken to court.

I'm not going into too much detail because you never know who is spying on this site but it's a credit card debt which my OH can no longer manage the payments on due to being sick and now on benefits. He's written to BOS but he never gets any response from them. He HAS to respond to Moorcrap as they have given him a deadline or else they may start legal proceedings.

My OH has an outstanding debt with BOS for which Albion have recently been chasing payment for. He sent a payment offer to Albion via email over one week ago and received no response but now he has received a letter from Moorcrap saying that BOS have instructed them to chase the debt. Shouldn't my OH have received a Notice Of Assignment from BOS first? I need to send a response to Moorcrap today so how should I do this? Should I send a Prove It letter to Moorcrap and if so do I mention Albion and the fact that no LOA has been received from BOS? Should I send a CCA request to Moorcrap? Help please!!

Can a payday loan company be sent a CCA request? Is this possible since it's a short term loan?

Nevermind, thanks very much for trying Brig. Seems I'll have to use the silver-trail-mail after all!! It's hard to believe in this age of technology that these people have not moved over to emails....just goes to show they aren't using email because they don't make any money off it unlike premium rate phone numbers!

It's an old Amazon credit card. Because I'm on pitiful benefits they are only getting a £1 token payment each month.

No, it's with Payplan. My thoughts exactly.....I can't afford it anyway!

Hi Feely, I pay BO&S thorugh a DMP and I have recently had to reduce my payments due to giving up work because of ill health. I sent them a CCA request and it came back clean but now they are demanding full payment of the debt (even though I am paying token payments through the DMP). I just want to give them a peace of my mind and there is no way I am phoning them (especially as they have a premium rate number). I would much rather send emails due to the reasons I mentioned above.

To be honest, I would rather have a flood of emails than junk through my letterbox. Also, the cost of a stamp is very expensive these days and Royal Mail don't always deliver. Email is also quicker. You sound like you have experience of emailing them. Do you know their email address please Tootles?

Hi, Does anyone know the email address for Blair Oliver & Scott please? It's not stated on their letter or website. Thanks

Hi, Can anyone supply me with valid email addresses for Frederickson and Bryan Carter please? I'm being chased by both of them and would rather email than use snail mail. Thanks

Hi, Does anyone have an email address for Minicredit that doesn't result in a bounce back reply saying: Dear Sir/Madam Please use http://www.minicredit.co.uk/contact page to send Your question. Kind regards MiniCredit.co.uk Customer Support Team ??? I have been using [email protected] and when I try to contact them through the email route on their website, nothing happens. thankyou.

Yes, I informed my insurance company but this claim has never been resolved. As far as I am concerned the third party is making a fraudulent claim as I did not hit his vehicle, even though he's claiming I've made £1200 worth of damage! It's not fair that this claim is hanging over me and making my renewal premium higher when my insurance company hasn't even paid up to the 3rd party or admitted liability on my behalf.