Hi Al, I've never received a yearly statement on any of debts I hold. Is this normal, does it have any consequences?

There are far more experienced people on the board than me, that's for sure. However the way I'd view this is that it is the DCA that has to be able to prove you were liable, not you proving that you're not. As for the council perhaps a letter from them stating they have no record of you living at that address would satisfy the water company that you were not. I suppose you've got to ask yourself how they got your name and linked it to the account? Perhaps a SAR request would shed some light on what the water company actually know about you. If you were a student would the university have records of your term addresses? I would imagine that unless this is a credit agreement, which I sincerely doubt, they'll have to work on a balance of probabilities, i.e more evidence to show you weren't there than you were. Have you checked your credit file for previous addresses, that again could show where you've lived and for how long.

I'm not sure about England but in Scotland all persons living at an address must be declared for council tax purposes. In fact I believe it an offense not to be. Perhaps a phone call to the council would get you the required information. Even if that is a letter to prove you were not listed there at all, or for a small period.

Were the debts in his sole name?

They really are **** of the highest order. My Mum bought her house outright a few years ago. The previous owner left owing substantial amounts. She has had all sorts of nasties from letters to visits. One chap hand delivered a letter stating they'd gained court authority to enter her property and seize assets! Thankfully I've left home otherwise I'd probably have faced a charge for 'escorting' him off the property.........

Damn, I can't edit some of my posts. Oh well let's hope there's nothing they can use.

Hmm, that's not so good! Think I'll amend some of my posts!

Am I to assume when people say "Hello, or Evening Guests" they are referring to DCA employees coming on the forum trying to track people down????

Thank you both I'll keep the thread up to date with developments. I may also have another angle to tackle it from should it reach the legal stage. I'll PM whomever would be interested to advise on that though.

I guess one way to pursue this is to let them play their hand. If I do get threatened with real court action I could then send the 'prove it' letter, then CCA request I presume? This I suppose would buy me time to the SB date. I think worse case I'll have to pay them £1 a month.

One explanation could be a letter I sent to each creditor written by my doctor stating that I had been forced to retire from military service early through ill-health and that it was unlikely I'd return to work in the forceable future. Both if which are true. There's another aspect to that letter, but I'd rather not post that up in public. Lol, fueled by some 48hr rat packs

Lol, ah I get you now. I'm hearing more often than not that 1st Crud are one of the more persistent of companies. Is this because they generally take things further (court) and get results, or just their basic M.O?

Bit confused, could you explain please?

Thanks for the input To be honest I think you're right on the lack of action front. The debt advisor I spoke with felt the same. I think what has riled them is that my credit file now shows a couple of new accounts including a mobile phone contract. OK owing money, not paying it whilst having a mobile phone contract is not exactly going to win you medals in the moral stakes. However it's not like I've concealed property or massive savings. I live off a military pension and ill health benefits. Let's assume I sent the 'prove it letter' and they did come back with some proof that they are entitled to pursue the debt. I suppose my next step would be a CCA request? Where does all this leave me with regards to the debt being SB? I suppose thinking logically if they had cast iron legal proof they'd have done a lot more, a lot sooner.

I have not as yet. This is due to it becoming SB in Feb. I'm unsure what my position will be if I send the prove it letter and they do indeed 'prove it' ? Would I be better trying to play the long game for the next few months and let them play their hand?

Lol! This one is on buff coloured paper. They claim they've been instructed by their 'client' which is strange as surely they are the client being the same company

Another letter today. Are you supposed to be psychic with these companies? They've sent out a letter with no heading and therefore the only way to check who it's from is by checking who has signed it. LCS solicitors. Not had one from them in a while They are the 'in house lawyers' of 1st Crud I believe? Pretty obvious it's a standard computer generated letter with exactly the same payment info on the reverse. They are informing me that unless payment is made within 9 days they may initiate legal action. I'm bemused at the duration of 9 days, and I guess the key word here is may Not had a pink letter in 18 months, wonder when they'll send one of those again.........

Well no calls from 1st Crud today. They've been calling 2/3 times a day it would seem prior to today. Either calling and leaving a message, or sending one of these text type messages. Think they might have got the message I won't speak to them after stating I don't know who they are, what they want and bidding them good afternoon yesterday

I've had the exact same letters at almost the exact same time. Funny how they state initially that they 'own' the debt and now they are seeking clarification from their 'client' Surely if they own the debt then they'd be in a position to prove they own it, and you owe it and not have to rely on Lloyds?

In the same envelope I received a letter from 1st credit introducing themselves stating they'd bought the debt from Lloyds. And another letter (in the same envelope) from Lloyds stating they'd sold the debt to 1st Credit. However they looked very dodgy. I defaulted on the accounts between Jan 07 and Jul 07. The last acknowledgements and / or payments would have been Jan 07 on all the accounts so in theory they'll become barred starting from Jan 12.

There are two credit cards, Lloyds and the one Aktiv Kapital are chasing is originally from GE Capital branded as a Paypal C/C. There was no PP taken with any of the debts so as far as I'm aware no charges can be claimed back that way. I took most of these debts on in 2005. I have had lots of letters, most of which are now filled in the bin They came from all the usual suspects, LCS, Buchanan Clark & Wells, 1st Credit etc. They all wrote with the standard letters, advising I must make payments, then the threat of court, then a discount offered. In the last 18/24 months they'd gone quiet but on the 25th July 1st credit wrote claiming to have bought the Lloyds C/C debt. As I say the letter looked very dodgy. Almost like they'd cut and pasted Lloyds address onto the bottom of the notice of assignment. My worry is that should I try for example to reclaim unfair charges I admit to the debts. Especially as the countdown to being statute barred has begun.

Perhaps I wasn't clear, sorry. The accounts listed above are as they are now, and up to date as far as I know. That is to say the three Lloyds accounts I say are settled must be the Lloyds accounts listed above, but shown in default. Effectively they are shown twice on my credit file, once as settled and once as default. In summary the accounts above are the debts I owe, and to the people that own them as far as I know to the best of my knowledge. The only thing I believe to be wrong is the default by Aktive Kapital listed as a bank default. I think Lloyds may have sold them the current account but not updated the CRF so I now have effectively two current accounts showing on my CRF i.e these two debts are one and the same, albeit it with lost of charges added hence the difference in amounts. Bank Default Aktiv Kapital: Default 01/08 owing £5000 Current account Lloyds: Default 08/07 owing £3200 What I think is happening is 1st credit are either fishing by looking at my CRF (like McKenzie Hall did) or they are acting on behalf of Lloyds.

Bank Default Aktiv Kapital Credit Card Aktiv Kapital: Loan Lloyds: Current account Lloyds Credit Card Lloyds Northern Rock I have another three accounts showing as settled all from Lloyds. These appear to be the three same accounts I've listed above, just transfered if that makes sense. The accounts above are however showing as still owned by Lloyds. The bank default I've listed showing as Aktiv Kapital is a strange one. I only had one bank account and therefore I think is relates to the Lloyds account, however the balances are very different, Lloyds are still listed as the owner and have placed it in default. All have gone through various DCA agencies and thus far no court action has been taken. 1st credit however have reared their head in relation to the Lloyds C/C.

I cannot lie, I did have accounts with Lloyds. A bank account with O/D, a C/C and loan. I explained what happened on my other thread in the debt management forum. I have no idea what the closing balances were as they kept adding charges etc. My CRF shows six debts to Lloyds. Three show as settled (although they were not) and three show as default. I think the bank account has been sold to Aktiv Kapital as they have registered a bank default against me in Jan 2008. That seems a bit unfair as that account is shown as settled in July 2007 and also default by Lloyds. I only ever had three accounts with Lloyds so I have no idea why my CRF shows the six, albeit with three settled. I think I would have grounds to argue with Aktiv Kapital that they have registered a default on an account that I already have a default on. However that's the least of my worries obviously.

Thanks so much. My only concern by sending such a letter is the legality of it? I do know the debt was incurred by myself with Lloyds so I can't exactly honestly say I know nothing about it. On what basis would I be sending this letter?