Hi dx100uk, I've copied & pasted an outine of the debt and the CSL circus that has followed... I had a Credit Card off Capital One and got into arrears owing to lack of work (agency worker) over the snowy Christmas period. I wrote to Capital One and asked them for a payment plan. I made an offer of payment to them, sent it recorded delivery, and they ignored it. I started getting calls from CSL on my phone. I wrote to CSL on several occasions saying I would not discuss my account over the phone and not to call. I told CSL that I wanted confirmation in writing- from Capital One themselves- that the debt had been passed on to CSL. I have never received this confirmation. I also told CSL that I wanted Capital One to respond to my proposed payments and why they had not done so. I never received this either. CSL continued to phone so I reported them to Consumer Direct, OFT and OFCom and Trading Standards. The annoying calls stopped. I received a yellow postcard from P2C saying somebody would be around to discuss my communication with CSL. I wrote to P2C AND CSL and withdrew/revoked their Implied Right of Access. I then received a 'payslip'-type letter from P2C. I wrote to them again and told them I had revoked their implied Right of Access. On April 1st I emailed CSL and requested my CCA from them. I still haven't received it. Instead, CSL sent me a letter with the 'Opportunity to save 40%'. I'm not sure what to do next, namely: My latest letters have the amount restored to the pre-offer ammount, and although I CCA'd CSL I may have buggered up a bit as the request was sent via email. I also know that they DO receive my emails as they have occasionally replied to them. I have also KEPT every single email sent/received. They are now asking if: "Whether you have NOT received any documentation from the client since your request was sent, Whether you have paid the statutory fee of £1.00 (your request would not have been processed if this fee was not paid)" They want me to let them know by 15th May or 'account will be taken off hold and collection activity will continue'. In short, the CCA request was to CSL- NOT Crap1, as CSL are aware- and I did not pay the fee as the request was done via email... What should be my next move? Letter & fee to CSL? My head spinneth.

Thanks dx100uk... I CCA'd the DCA at the beginning of April and had no response. Their latest letter is asking me when I contacted the original creditor . The DCA state that they are collecting on behalf of the creditor, but it's the DCA that are asking/hassling for the money.

I sent a CCA request to my debt collector- should I have sent it to the original creditor? Would the debt cllection agency be able to provide my CCA? Many Thanks

I originally sent my CCA request to the Debt Collector... should I instead have sent it to the original creditor?

Just received a letter from CSL saying they've temporarily put collection on hold. However, concerning my CCA, they state: "If you have received a copy of your Terms & Conditions since sending your request to our client, then please note sending this documentation fulfils our client's obligation to provide you with copy of aggreements/applications under the Consumer Credit Act 1974. I can confirm that the Consumer Credit Act states that a copy contract can exclude certain features i.e. a signatory box see below. 'You do not have to provide an exact copy of the credit agreement to satisfy section 77(1). You are allowed to leave out certain details. Regulation 3 of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 sets our rules about what constitutes a "true copy" of an executed agreement. There are two types of information you are allowed to omit from the true copy. First, you can omit any information that is not required to be provided under the CCA or any of the CCA Regulations which relate to the customer and which are included for your use. This would include things such as details of the customers' occupation, direct debit or bank details and details about income. Secondly and most significantly, you can omit signature box, signature or date of signature. Therefore if you can "construct" the rest of the information and provide this to the customer you will have complied with section 77(1). This omission is expressly permitted by these regulations'" Hmmm.... Does this therefore mean that Crap1 can send a few bits of stuck-together jargon and pass it off as a CCA? Surely I would have a right to be provided with my signature and date of signature? How does this relate to Section 78 of the CCA? Can anyone advise me? Bless

I've already fired an email off at CSL earlier this evening with the relevant details, etc so I'll see if they respond. I may call Consumer Direct aswell as I found them most helpful when CSL were harassing me with phonecalls. Many thanks for the advice, I'll keep posted as to how it unfolds... Thanks again

Should I report them to OFT, etc, or bide my time on this?

...although the latest letter is now for the full amount. They also sent me a letter to inform me that Capital One had written and told me that the debt had been handed to CSL. Even though I never received said letter. sTrAnGe...

Hi Shadow, I requested the CCA under sections 77-79, so 78 would have been included in this. The only thing I got was a letter from them offering a 40% discount on the debt but nothing about the requested CCA

Thanks PGH7447, I'll get their Complaints Procedure. Many thanks

Just when I thought it was all over... here we go again! CSL, allegedly workingn on behalf of Crapital One, have sent me a 'FINAL WARNING' letter. It reads as below: FINAL WARNING We refer to our previous communications and are disappointed that you have not made reasonable proposals to clear your debt. The manner in which you have conducted your account is unacceptable and cannot continue. Our client is not prepared for this sum to remain outstanding any longer and unless payment is made to Credit Solutions Limited within 7 days from the date of this letter, court proceedings may be commenced against you without further warning or notice. Legal action would result in charges being added to your account as follows: Solicitors Costs £50.00 Court Fee £50.00 If you wish to discuss the contents of this letter or to make proposals for the settlement of this debt please telephone us on: 0208 763 4564 Please do not simply write as our time limits are now very strict. ------------------------------------------------------------------------------------------------------ So, despite CSL being told numerous times that I will not discuss anything with them over the phone, and despite the fact that CSL have NOT provided me with my CCA as requested, and despite that I have told them that the debt/account is now in serious dispute, they STILL seem intent on being arses. What should my next move be? Many thanks again.

Just found a letter to my wife from HL Legal & Collections. However, printed on the reverse of the letter is the SAME template with another ladies details on it (Name, address, Reference, Account number, outstanding balance, etc). Who do I report HL Legal to for this breach of the Data Protection Act? If my wife has this poor ladies data, then who else has my wife's??? Any advice/template letters anyone can recommend? Many thanks

I'd like to add CSL (Credit Solutions Limited) and P2C (Power2Contact) for: harassing phonecalls despite being told not to, crappy intimidating yellow postcards threatening a visit (despite Implied Right of Access being revoked). And NOT providing a requested CCA. Dirt balls, all of them.

Thankyou all for your support, and I'll keep you posted as to how things go. Thanks CAG, I'll be sure to donate something asap and spread the word.

Thanks Bazooka Boo, I'm onto it now .... Done and sent.

Thankyou all, I'm a slow typer so didn't realise I'd had all these replies! Thank you so much

Bazooka Boo, Thanks for the speedy reply- I emailed the CCA to CSL (I requested it on 1/4/11 and reminded them again on 4/4/11). I haven't contacted ClapOne for my CCA but I'll do that asap. I've kept all the emails sent to CSL/P2C and any email responses they've sent too. The Yellow Postcard wasn't in an envelope, it was loose. Sadly I sent it back in an envelope with 'no contract' scrawled on it... I sent it to P2Cs 'Accounts Dept' FREEPOST to save a stamp. Thanks for getting back to me

I'm new to this but I've found your articles, etc, very helpful. I'm not sure where/how to post this yet but was wondering if you could help me? I had a Credit Card off Capital One and got into arrears owing to lack of work (agency worker) over the snowy Christmas period. I wrote to Capital One and asked them for a payment plan. I made an offer of payment to them, sent it recorded delivery, and they ignored it. I started getting calls from CSL on my phone. I wrote to CSL on several occasions saying I would not discuss my account over the phone and not to call. I told CSL that I wanted confirmation in writing- from Capital One themselves- that the debt had been passed on to CSL. I have never received this confirmation. I also told CSL that I wanted Capital One to respond to my proposed payments and why they had not done so. I never received this either. CSL continued to phone so I reported them to Consumer Direct, OFT and OFCom and Trading Standards. The annoying calls stopped. I received a yellow postcard from P2C saying somebody would be around to discuss my communication with CSL. I wrote to P2C AND CSL and withdrew/revoked their Implied Right of Access. I then received a 'payslip'-type letter from P2C. I wrote to them again and told them I had revoked their implied Right of Access. On April 1st I emailed CSL and requested my CCA from them. I still haven't received it. Instead, CSL sent me a letter with the 'Opportunity to save 40%'. I'm not sure what to do next, namely: :!:Do I accept their offer? :!:Or do I write to them again for my CCA? :!:Do I report them for failing to provide my CCA? :???:Do I drown myself to get them off my back? There's so much going on, it's a bit of a struggle. Please help, many thanks to you all.