Thanks guys i will do

Thanks for answering no i didnt but telephone conversations ive had ive told them the account is in dispute. Should i re cca them then put in wtiting account is in dispute

Hi guys thanks to reading various posts on this site im on my way to sorting out my debt Ive just got a question i cca my debt companies and one of my debts is for approx£1000 which is managed by link. They have not sent me a cca but still constantly harrass me and are now threatening court! can they do this although they cant produce a cca?

Thanks for the replies i am sending them today account in dispute letter The line should have said Your account will be approved for recovery by way of judgement/decree secured in your local court

Hi After reading various articles on this site (thanks everybody), i sent a cca request to debt recovery company they didn't send a cca agreement and after a couple of phone calls of them i explained i very politely i wouldn't talk to them via the phone until they provided it. This was approx 3 months ago and up until the last week i didn't hear anything off them. This last week ive had 2 letters the latest threatening me with Data being passed to our internal investigation department Your account will be approved by way of judgement/decree securred in a local court The debt will be transferred to a Debt Collection Agent who may call at your home Then inviting me to contact them. Few questions really, is this just a scare tactic? What do i do next? It was my understanding (limited) after reading various posts that without the cca theres not a lot this company can do Thanks for any help

Im assuming yes They are charging default charge interest £5.74 plus overlimit charge of £12, also says on statement my account has been suspended. I have had many discussions over the phone with vanquis asking them for full statements from when i first opened the account but they refuse. I hope this helps thanks

Hi i posted this elsewhere earlier and it was suggested to start new thread Hi guys ive got a similar problem with vanquis a lot of it is due to me putting my head in the sand and hoping it will go away.... Anyway sorry if these have been answered elsewhere i had a card with credit limit of £250 my overlimit amount is £235 i believe 90% of all of it is charges ive had an arrangement the last couple of months to pay £10 which i can afford however they still put charges and refuse to freeze interest. Is there anyway ican stop them doing this? Also can i claim charges back if so can someone point me in the right direction Thank you

Hi guys ive got a similar problem with vanquis a lot of it is due to me putting my head in the sand and hoping it will go away.... Anyway sorry if these have been answered elsewhere i had a card with credit limit of £250 my overlimit amount is £235 i believe 90% of all of it is charges ive had an arrangement the last couple of months to pay £10 which i can afford however they still put charges and refuse to freeze interest. Is there anyway ican stop them doing this? Also can i claim charges back if so can someone point me in the right direction Thank you