Hi Wotsy! Thanks for this. Nice to see you're still here helping us out. I've made a note of this manager's name & details. Been advised by National Debtline to contact the Financial Ombudsman for harassment. So will see how that goes. Cheers

Good afternoon Brigadier The DCA which have it now is Bluestone Credit Management. Not sure if they're managing/collecting or have bought the debt. In any case, I just spoke to Debtline and they have advised to contact the Financial Ombudsman as my initial complaint (to MIB & CCM have not been dealt with.

Thanks Jasper! This looks great and straight to the point. My point of concern is that through prior experience of sending SB letters to the DCA (formally CCM) they don't reply; they tend to ignore and continue to send threatening letters. It was only when I sent the SB letter to MIB's feedback email, as advised by earlier posts, that they put things on hold with the DCA. Since I have a clear email from a person at MIB that states that will be looking into it and will let me know how and why case was settled, should I not also send MIB the above letter?

Dear Bazooka, Jasper, Brigadier, It's been nearly a year since I last posted here. Thought I would update you. After waiting several weeks from a reply from the MIB I received an email apologising for their delay and promising me that they would look into the issues and contact me within a week. That week turned into 2 months! I then received another email from a different person stating that it was a courtesy email, my file was on hold with the DCA and they were waiting for papers from the solicitors that handled the case. They asked if I wanted to submit my version of events (not likely) that I could. It was a relief to get some recite for a while and I waited patiently, hoping to get the famous 'Wotsy' email... Instead almost a year since the very first notification from MIB & CCM, they decide to churn out the same original letter - this time from a different DCA. Any advice on how to approach this? Any feedback appreciated.

Hi Brigadier, It's been nearly a year since I last posted here. Thought I would update you. After waiting several weeks from a reply from the MIB I received an email apologising for their delay and promising me that they would look into the issues and contact me within a week. That week turned into 2 months! I then received another email from a different person stating that it was a courtesy email, my file was on hold with the DCA and they were waiting for papers from the solicitors that handled the case. They asked if I wanted to submit my version of events (not likely) that I could. It was a relief to get some recite for a while and I waited patiently, hoping to get the famous 'Wotsy' email... Instead almost a year since the very first notification from MIB & CCM, they decide to churn out the same original letter - this time from a different DCA. Any advice on how to approach this? Any feedback appreciated.

Oops No I didn't give them a time frame. Just the courteous "I await your confirmation that no further contact/action will be made" closing. So Mr Brigs, what's the best way forward in your opinion? Send CCM another "Oi it's SB letter" or just the SAR request to MIB?

No, they didn't suggest I send a SAR to a DCA. But her point was the fact that I asked for that in my general SB letter should make them at least response to say, OK we've noted your request and will get onto MIB about it. In any case, I'll go ahead and send the SAR letter to MIB with the payment and see what happens. I've read cases on this thread where CCM have been able to supply documentation/information (even if it is often inaccurate, half-baked) to try and defeat the person.

Indeed so. I've just spoken to National Debtline, they've advised me to sit tight and wait for them to prove that it's not SB barred! They also advised that I didn't need to send the SAR letter to MIB as it was up to the DCA to supply that and prove otherwise. There's a question mark here because of the PI element and whether a judge may rule it 'equitable' to pursue a time barred debt. Point is, I've indicated it's SB and asked for documentation; they haven't responded or acknowledged. Also they're offering me a full & final settlement offer - does that mean they know it's possibly SB?

Hi Brig, I see. The original creditor being MIB. I think I have a SAR template from Debtline so I'll go ahead and type that up. Thanks Mr Brig!

wow that was quick. Thanks Ok, I put the Subject Access Request in with the standard SB letter!! So should I send them another one? I imagine I need to send them £10 postal order. Do I send to CCM or MIB?

sorry Brigadier, but didn't understand your last response. I wanted to understand where does my particular case fall?

Hi Jasper, I was wondering if you could further advise me. CCM has chosen not to respond to or acknowledge my SB letter and request for them to provide all documentation under the Subject Rights Access. Instead, they have sent their standard "Final Settlement Offer" letter. I posted and faxed the SB letter to them well over 2 weeks ago. MIB also haven't responded to email (Wotsy's amended); that's been over a month. Is there another angle by which I could approach this before they send a summons to court? My ill health could not cope with that pressure. Kind regards

Hi Jasper, Thanks for your quick response as the thread doesn't seem as busy as it was before. OK, I understand your point above. In response, there definitely wasn't any acknowledgement by payment of any sort. Possible last acknowledgement of liability (or part liability) via MIB may have been May 2005, but without any copies of letters it's hard to be precise. I would say no later than May/June 2005. The actual MIB home visit took place in 2004 and the claimant's solicitors were still trying to persuade me to accept full liability up to June 2005. So is my concern with the 6 yr or 3 yr limitation?

Hi Jasper1965 Can you clarify a few points please? It seems like they (claimant's solicitors) did get in there before the 3 yr period as accident was Mar 02. Last correspondence from solicitors is June 05 but MIB was already involved and had conducted a home visit in 2004. CCM (acting on behalf on MIB) sent their first "You owe us money" letter late May 2011. I'm assuming they have made contact within the 6 years so no SB, or am I barking up the wrong tree here? Sorry just a little confused. Kind regards

Thanks for your response Brigadier2Jcs. Yes the police were involved & all charges were dropped as there was insufficient evidence. I feel so embarrassed to say this but honesty is important here; I stopped & got out car but then panicked & drove off I did however go into a station an hour later and was arrested and re-bailed after a number of months of turning up to the station. I wasn't asked to produce at the time and all charges were dropped. I then got a court summons for failing to stop, points & fine. MIB visited my home in Spring 04 to get a statement & possibly got me to sign something (can't recall). Very last correspondence from what I can see is from the solicitors acting on man's behalf was approx June 05 asking me to"confirm agreement for them to conclude claimant's claim in full" as I had suggested that I might do so in May 05. I can't recall any further correspondence from either the claimant's solicitors or MIB after that period.