Cerb The DCA is CARS

Utterly utterly confused. What follows is a true event just the personal bits left out. Out of the blue I receive a demand from a DCA claiming pay up in 14 days or else. They claim they are authorised by the OC to collect the monies and that any further payments can only be made to the DCA. I write back do not recognise debt so prove it. Two days later I write again with CCA request. They write back giving all sorts of wrong dates and figures, claim receipt of my complaint? And advise me that I can get stuff under section 78 of the CCA blah, blah On the very last day of the CCA request 12 day period I get a copy of the original signed application, a copy of the T&C's and CC agreement. But the letter from the OC quite clearly states that my account is not in default and that they expect me to keep paying them monthly or else. I send a TAKE NOTE I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR TO ANY COMPANY YOU MAY CLAIM TO REPRESENT AT THIS TIME. to the DCA DCA send me back a letter stating that the OC had written to me explaining their involvement (they did not and never did). They state they were instructed by the OC to review my payment plan. That they have updated my payment plan to £30 a month (but my agreement with the OC still stands and is confirmed as being £25) and should I require any further assistance then please do not hesitate to contact them. I mean what the hell, I am so angry. The hours reading docs and statements and accounts on CAG, the money I spent on guaranteed delivery, late and sleepless nights and I am powerless to hold to account a company that, in my opinion, tried to fraudulently coerce money out of me. Someone please tell me there is more I can do other than write a useless complaint to the relevant authorities. You guys here have been really helpful and supportive and if I have offended anyone with my rant then I do apologies.

Thank you I will send the letter so as there can be no confusion on their behalf.

Hey guys I have just received a reply from cars copy pasted below. I don't know where they get their dates from, they are all to cock. The sum they are demanding is now incorrect and is a much lesser amount. They have ignored my "I don't owe you a penny" and my cca request (standard template copied from this site). I did send a crossed PO for £1 that I do have a copy of. I did send the letters guaranteed delivery that cost the outlandish sum of £5.45 per letter and I sent them to their registered address and not their PO Box. I have checked the Post office tracking and they did receive the letters the following day. Should I ignore this or should I send reply confirming my stance and their duty? Letter from Cars received today. Dear ********** Thank you for your complaint dated 11th July 2011. We have been passed an outstanding debt of £950.35 by our client Monument relating to your use of their credit card. Your account was opened 30th March 2006 and your last payment made to them was received 07th June 2011. If you require a copy of your credit agreement we will require a payment of £ 1.00 under section 78 of the Consumer Credit Act. I will ensure no further calls and letters are sent to your address however you will need to forward payment of the outstanding balance or make a reasonable offer of repayment. I have placed your account on hold for 7 days and if you have any further queries please do not hesitate to contact me. Kind Regards, Joe Rogers Training and Compliance Manager C.A.R.S.

Thank you Brig. Any further developments and I will let you know in this thread.

Thank you so much for your help. Do I still send the "DO NOT ACKNOWLEDGE ANY DEBT TO YOU" letter.

Just to be clear, I pay them currently at the minimum amount of £25.00 a month. However, when I work I pay £100+/month but work for me in the UK building trade, which has been devastated by the recession, I cannot see it getting any better in the foreseeable future

Nope, sorry Brig. The letter from C.A.R.S was totally out of the blue and unexpected. As far as i am aware, any arrangements they have made I have not been included in.

As far as I am aware, I have never had any notice from Compu.

Hello Brig. I am currently paying monument through their standard monthly invoice. I did, in fact, think of just ignoring C.A.R.S and scan the Monument paying in slip and just continue to pay monthly to the monument account.

Hello Firstship and thank you for the lightening reply. Looking at my July 2011 invoice from Monument there does not appear to be any charges, I think that they just deduct the full payment off the debt. However, at the time of my illness, if memory serves me right, they piled about £400 onto the debt, originally, it was only £1500+ a few. Sorry memory aint too good now a days I do not know who now owns the debt, I believe that Monument have changed hands more than once once since I obtained the card. I did have PPI, it was totally useless when I invoked it. They asked for too much documentation to prove my illness, far to much than I could gather at the time hence the reasone why I fell into difficulty. Thankyou so much for your help.

Hello everyone, I am a first time poster and wonder if someone can offer some words of advice for a particular problem. In 2000/2001 I was stupid enough to get myself a Monument credit card. At that time they were owned by Barclays. I understand that Monument is now sold on and possibly now owned by a company called Compucredit. The credit card was cancelled after suffering a heart attack in 2004 and I ran into difficulty paying the monthly subs. But since then I have been steadily paying off the debt of £2000 monthly by paying the minimum amount and more when I could and have not defaulted, currently, the debt stands at £950. On the 8 July 2011, out of the blue, I received a letter from C.A.R.S with red lettering all over it demanding payment of £950.35 in full or to contact them “within the next FOURTEEN DAYS” to arrange a mutually agreeable arrangement. I have read quite carefully through your forums and have prepared an “ I don’t know you from Adam” letter and also a CCA request letter as per your template. Am I right in doing this and is there anything else I need to do, I am terrified that this will escalate into hourly calls and people banging on the front door.