Nope, the only thing on those statements is overdraft interest and monthly account charge of 12.00. There are no credits at all. I think they are just trying it on because they know he is paying his other debt. I'll get to work on the SB letter and get it posted off tomorrow.

The Halifax one, yes my Dad has CCA them and they did produce a copy of the original agreement. He only pays them a token amount. He doesn't really have the time to fight them off, he remarried a few years ago and his partner suffers from MS and he has become her full time carer. That's why I am dealing with the Lloyds debt to take the pressure off him a bit.

Hi Guys, It has been a few years, but this debt has reared it's head again. After my parents sent off the two SB letters, my Dad never heard anything from them, my Mum got a letter back saying that they would not be pursuing the matter any further (or wording to that effect). So we didn't follow up with checking the CRA file at that time. Now the debt appears to have been moved onto 1st Credit Ltd and they have started to phone my Dad about it and start chasing him. I only found out about this over the weekend, but they have called a few times and threatened court action, he has responded along the lines of prove it, send me a signature, this debt is SB, etc. In response to this they sent him a bunch of statements for the account dated Oct 09 through to Oct 10. I hadn't had chance to act on any of this before they called again today and he told them the debt was SB and they stated they would start legal proceedings. Here is what I have done so far today: - I have told him to stop speaking to them on the phone and that if they call again he should state "I'm not discussing this over the phone, put it in writing." and then hang up. The only reason 1st Credit has his contact details is because he has another debt with them for a loan with Halifax which he has on a monthly payment plan. - I've sent a text to my Mum to see if she has had any contact about it, at the time of writing I am waiting to hear back as she is still at work. Once I do hear back I will ask her to send me copies of all the letters she has relating to this debt. - I have collected up all of the threat-o-grams that my Dad has received and I have been through these letters to see if I can find anything useful. Wescot letters from 2011 are all just threats, 1st Credit from 2014 have sent a couple of threats and the aforementioned statements. However I have found an interesting letter from Moorcrap amongst the pile of threats they sent in 2010. This letter dated 1st of December 2010 states: "I write in response to your recent communication in relation to the above account and can confirm we have been in contact with Lloyds TSB Bank Plc who have advised us that no payments have been received on this account in the last 6 years therefore, please contact their Concerns Team to discuss this further. I can also confirm I have placed this account on hold and request you make immediate contact with our call centre on the above telephone number to discuss a repayment proposal you can afford and maintain." I'm a bit confused by the second paragraph because they are essentially admitting it is statute barred and then still asking for payment. Anyway, the balance of the debt on that letter matches exactly with the balance that 1st Credit are now claiming. So that's a further 4 years that no credits have been made to the account. I'm unsure what steps to take to get rid of 1st Credit, should I just send a standard SB letter? Or can I somehow beef this up a bit and threaten them with chasing a debt that we have acknowledgement as being SB and report them to the OFT (providing my Mum has kept the letter she got from Wescott).

Hi Happy, Thanks for the follow up, it certainly sets my mind at ease. I did send the letter that Debbbys provided, by recorded, but I have had nothing back so I suspect that they have gone back to Barclaycard to find out what was sent to me. Shall be interesting to see what they do come back with. I did get a letter in between from Moorcroft telling me they had a substantial discount offer, no details of what that offer was but I had to call within 7 days.... er no I too have a MBNA Virgin account that was just sold, I got a letter from them telling me it had been sold and asking me to keep up my repayments... I wasn't making any and I have heard nothing from the company that bought it. I can't wait for them to get in touch as I know they won't have the CCA as that account was opened pre-2000. I'll pop back and keep this thread updated when I next hear something from Barclaycard / Moorcroft.

citizenB, thanks, I'll get a thread started over there shortly for the PPI. debbbsy, so as my account was opened in 2002 and based on happy hippo's questions to Brig the fact that they don't have a signed copy means that they could never take me to court to get a CCJ against me? Or maybe they do have the original and they just sent a recon. to me so that I would let it go to court? Is there some sort of letter that I can fire off ala non compliance with the CCA or do I just flat out ignore anything that comes regarding this debt from now on? Would I not be admitting to the debt when I take them for the PPI and could they not then use that against me to get to court? I will pay the debt if I have to, I'll just give them as little as possible and make it take as long as possible, my main goal was to give them as much grief as they have given and caused me. However if I can get away with out giving them a penny then thats even better! I'll gladly stick that to them as I hate them with a vengeance after the way they have treated me over the past two years.

Wow, I can't beleive it was back in July when I started this thread! Anyway, an update. RMA completely ignored me, they did not respond to my CCA request nor did I receive any further letters from them. Eventually the debt was moved along to Moorcroft and as soon as I started getting letters from them I sent off yet another CCA request. On November 10th they sent a letter back acknowledging my request and collection activity on the account was being put on hold until documentation has been supplied by their client. Said documentation was sent by Barclaycard on the 19th of December. Including was a blank agreement (no signature) and their current terms and conditions. This I was expecting from them based on what others on this forum have had from them. Interestingly the balance was reduced by £1 on their letter... the same value of the postal order which was sent for the CCA request and not to be used towards this balance. The last item I received was a letter from Moorcroft sent on the 5th and received by me on the 13th of January. This was just a basic letter saying they beleive their client has completed the request and could I now contact them to discuss options for repaying the debt... etc. So I am now a little stuck for ideas of what to do next. Should I negotiate with Moorcroft and set up a repayment plan that I can afford monthly. If so can I do that by letter and include a cheque as the first payment as I really don't want to talk to them on the phone. Or can I continue to make them jump through any hoops seeing as they took the £1 when they shouldn't have or the fact they didn't give me a signed copy? On a side note, thanks to all the links you guys sent me earlier in this thread I have now collected together all of my statements and I am ready to proceed against them with a PPI claim. I still have a couple of questions in this area. Should I open a new thread in the PPI section of the forum or should I ask those questions here and keep it all together? Thanks again for all your help.

ims, both of my parents are certain that they haven`t had any access to this account since the divorce which was over 10 years ago. If we were to call them and establish the exact date of the last credit into the account, what would we do next? Also, from an evidence standpoint, would it not be better to SAR them to get the last 6 years worth of data so we have hard copies proving no activity on the account? dx, I am not familiar with the term "cra file" so I am going to guess that it means credit report. If thats the case, then I do not know as I havent asked either of them to get one. If you think it's worth it, then I can help my Dad get one online this weekend when he gets back from his holiday. I'm not sure if I'll be able to help my Mum get one as she is not very tech-savvy and she lives to far away from me for me to pop round, might have to do that the old fashioned way via snail mail. Thank you both for your help.

Hey, I'm the middle man in this debt fight. A couple of weeks ago my Mum got a letter from Wescot(t) chasing a debt which we beleive is statute barred. The debt relates to a joint bank account she held with my Dad before they were divorced some 10 years ago. Two days after my Mum got the letter so did my Dad. I advised them both to send off the Statute Barred letter from the library, recorded delivery which they have both done. Today my Mum has got another letter from Wescot telling her that they have contacted their client (Lloyds) and that the debt is not statute barred and they have advised Wescot to continue pursuing. They have however put the account on hold for 14 days to give my Mum chance to contact Lloyds and dispute it directly with them. They included the Lloyds customer service address. - This is not the first time we have been through it, Lloyds seem to keep shipping the debt off to different DCA's and as soon as we get rid of one another one comes along. - Niether of my parents was aware of this debt until about a year ago. Neither has had bank statements relating to the account or the charges that have racked up over the years on the overdraft facility. It was forgotten about when they got divorced with each one thinking the other had sorted it out. - I thought the statute barred letter once sent to the DCA meant that they could no longer chase the debt unless it was proven that the debt is not statute barred. - Should we now contact Lloyds (we have tried in the past and they have ignored our letters completely). ? Please can someone give us some advise as to what we should do next as they all seem to be ignoring the fact that the debt is statute barred.

Thanks for your replies. I have this morning checked my post to find a nice little card from RMA to confirm that they will be contacting me on wednesday between 8am and 8pm. I know that they won't actually come to my home based on other threads about them that I have read, but, the card does have their address on it unlike the letter they sent previously. So I have printed off my CCA letter and will now send it to RMA seeing as they are the current chasers. I'm off to the post office either tomorrow or Wednesday so I'll get it sent off recorded delivery then. Thank you for all the links rebel! I'll get reading through that little lot this evening and get to work on my PPI figures.

Hi, I need some advise on what steps I should take to combat Barclaycard and put up a bit of a fight. The Story: Towards the end of 2010 I found myself in financial difficulty, my bank was hitting me hard with return payment charges and so I decided to cancel all of my direct debits and switch to paying things manually as and when I had the money. This worked and I found myself able to pay most of my debts each month, however I missed a couple of payments to Barclaycard and they sent in the dogs. From mid December, right through Christmas they started calling me and at first I tried to deal with them. They wouldn't accept any of my proposals and they wouldn't accept the fact that I didn't have any money with which to improve my proposals. I then ignored the calls because it seemed pointless to have the same conversation with a different person every other day.... so they decided to increase the calls upwards of 10 times a day 7 days a week. It got to such an extent that they would fill up my voicemail and my phone operator couldn't handle the call volume and my mobile phone would actually stop receiving calls. Thankfully when I moved house I never gave out my home number except to friends and family so they were only able to harrass me when I left he mobile phone on. The phone calls continued right up until the end of March begining of April (I wish I had kept a log of them all). In terms of debt collection, since January the debt has been passed to Mercers, then onto Calder, then onto CSL... all of which sent various threatening letters and all of which I ignored based on the reading I have done on this forum because they are all in-house debt companies. My aim through doing the ignore all in-house collectors was that the debt would be sold off to an actual DCA with whom I could negotiate a payment arrangement, stop interest and actually get the account closed. Some Facts: This account was opened in 2002. I have retained 98% of the statements, I lost a couple here and there when moving homes, but otherwise I have them all. However the year that the account was opened leads me to beleive that they won't have the original credit agreement. I have been self-employed since 2000 until present day. This account was sold with PPI until I canceled it in 2006, I only canceled it to reduce costs as the whole PPI thing hadn't kicked off then to my knowledge. There is no way that they didn't know I was self-employed so I think I would have a valid case against them in this respect. I have not made any kind of payment on this account since my financial difficulties began. After all of their ridiculous games with phone and letter abuse they dropped to the very bottom of my list of debts. As a result of non payment, the debt has virtually doubled due to charges. Everything was pretty quiet until a couple of weeks ago I took a call from CSL. It was an accident as I was expecting a call back from my Dad: Me: Dad, how do I stop this bloody stop-cock from leaking, it's ****ing out water everywhere. CSL: (Long pause) Um, Hi, can I speak to xxxx. Me: Who is it? CSL: xxx from CSL. I'm calling about... Me: (Cuts in) Who?!? CSL: xxx from CSL (Sounded a little bit angry). I'm calling about your Barclaycard account. Me: Oh, your not my Dad. Sorry, I don't wish to discuss it. CSL: Can I ask why? Me: I don't want to and I don't have to. If you want to discuss something put it in writing. CSL: Well we have tried that and didn't get a response. The last time we sent... Me: (Cuts in) Try again. (Hangs up) A few days later I received a formal demand for payment from Barclaycard advising me that as I haven`t complied with the default notice (I didn't get one) that the full balance is due, I would no longer be sent any statements and all the usual stuff about credit agencies. Fast forward 20 days to today when I receive a formal demand from Risk Management Alternatives with pretty much the same thing as the Barclaycard letter said. The letter was not dated and there was no postmark on the envelope. It opens with "We act as agents for Barclays Bank plc trading as Barclaycard" so I am assuming that this is yet another in-house firm? So I am not sure whether to put the debt in dispute by asking for my credit agreement or if I should go after them for PPI (would that put it in dispute). Should I send letters to Barclaycard or should I use the Barclays address which is on this latest letter. There is no address shown at all for RMA. Any other advise would be greatly appreciated. PS: If you refer to letters please use links. I have just been in that section for the first time and it is huge!