Hi, Ooops! Don't understand why I shouldn't be paying the OC though. I do owe the money & don't want to kick a hornets nest! H

OOps, it's already gone! H

This is what I've sent to Capquest this evening. They have had time to respond to the CCA now! I recently wrote to you regarding my new address, now I am settled at last, and advised you that I could only be contacted by emai l and that your assumed right of access is withdrawn. I explained that this was due to the fact that I am my Mother's registered carer since she has been diagnosed with advancing Alzheimer's , and has further been defined as a vulnerable person under the Mental Health Act and the Mental Capacity act. I sent you a CCA request that you have not responded to inside the 12+2 working day timeframe. You clearly do not hold the original paperwork on any of my liabilities and therefore I propose to stop all payments to you, and will instead re-instate them to my original creditors. I have kept meticulous copies of all payments made against the accounts and I have today sent SAR requests to all my original creditors to verify the details with them. In future all my correspondence about my accounts will be directly with my original creditors. Thank you for your concern and understanding, Yours faithfully Let's see what they have to say about that eh? H

Haha. So true! The sig is there right enough, but it's the one modified courtesy of 'Reclaim the Right. Bit difficult to go get the data, but I could send a copy of my passport or driving licence I suppose. In any event, they can send it 'signed for' to make sure it gets to me. I will modify the SAR to reflect the need for a total figure, and if I get all the necessary info, I should be able to claim some money back. I remember they did add interest after I told them I was in trouble! I'll scrutinize the data anyway. You never know, I might even discover that they are unable to recover the debts, mind you I doubt I'll get away that easily. My luck just ain't that good! Still, worth a bung, and all it'll cost me is £60!! Cheers, H Hi, That's it. All done & ready to post. We'll see what transpires now. Watch this space, as they say................................... H

Hi BB, I thought so. Mine would be REME! I've reworked and printed off the SARs for the OCs. I think that will do 2 things (and please correct me if I'm wrong here): 1. Allow me to see exactly where I stand vis-a-vis what I owe and to whom, and 2. Allow me to see if there are any charges that can be reclaimed. I have printed all 6 of them off, c/w modified signature and will send them out tomorrow. Good idea, or not? H

Hi dx, Yes I have. The SARs will go off to the OCs on Monday. From what BB says I get the impression that I should never have paid anything to either Moorcroft or Capquest either, but maintained my payments to the OCs. So much for the advice from CAB! H

Hi BB, Thank you for the information! I shall therefore stop all payments to Moorcoft and re-instate them to the OC. I shall first, of course, send SARs to the OC to see what transpires. Incidentally, I got a letter from Capquest saying that as one of my debts is an overdraft, it is not covered by Section 74 of the CCA and they sent back the PO1 What next for that, I wonder! Thanks again, H PS Is that an Arty badge I see?

I've had a letter from Moorcraft that says they are passing my SAR onto their client. Good afternoon, I assume that means they do not have the paperwork & therefore cannot enforce payment, or take me to court to get any of it! Therefore why have I been required to pay them anything, as I have been doing on the advice of the CAB. Your thoughts please. H

Thanks BB, I'll see what's to do at the weekend, but my feeling is that I'll give them a week or so and write off to them again saying that since I have not heard from them, (due to my Mum destroying the letters, although I won't tell them that), then I intend to stop paying them. This on the basis that since I have not heard from them in spite of me writing to them, they clearly have no business with me, and have been accepting my money unjustifiably. That will no doubt get their attention! H

Thanks BB, This weekend, when I've got a little time to myself, I'll fire off a volley at them & tell them that, in no uncertain terms, that they may only communicate with me by email; and that any and all written communication will be ignored. We'll see what happens then. I suspect they will have to give in. I haven't checked, but maybe they don't want to communicate that way because they fear they'll be inundated with emails of complaint. H

Hi BB, Cr@pquest claim they cannot communicate via email due to the data protection act. Personally I think that's a load of bollocks really, since they communicate round themselves by email, all companies do! I don't plan on upping the £5/m im paying all of them anyway. They have all been told not to come here & why. They have all been told not to telephone here & why. I want out of this mess soon though. It's a bit like a millstone. I can't replace the car unless I do it cash etc. It's the little things, you know! H

Hi, Not too sure where the previous message went, but I was wrong about the email. It would seem that Moorcroft are now the custodians of my Abbey CCard too. I seem to be losing track of things, (which I guess is one of their hopes, and by which they can pursue me), but I'm still making the payments to the original creditors, so they can go swivel! Easter has thrown a little spanner into the works, working days and all, but I'll be firing off the necessary paperwork at the weekend I think, when I've got time to manage all this dross. H

Hi all, The story so far.......... Moorcroft have sent another email with an attachment that I cannot open. I assume that it is the same I&E thing that they sent before. Capquest have refused to communicate by email, so their letters will all go in the bin. They were warned what could happen to the letters, (due to my mother), so they will reap as they sow! Letters to the other creditors will go off tomorrow. Do I have to tell anyone about my new job though? H

Ahha! I'll remember that. That gives them until about 20/21 then. Damn, I was beginning to think the light at the end of the tunnel was getting brighter, not dimmer! Ah well..... Thanks, as ever. H

Thanks SS, I have informed all my creditors of my new address in late March, but have only heard back from Moorcroft and Capquest. Nothing from any of the others. I sent the CCA requests to the 2 DCA's on 01/04/15 and have heard nothing back as at today. My understanding is, that they have 12+2 days. If I have heard nothing by Wednesday, (15th), I propose to inform them that since they cannot provide me with the original agreement, I do not owe them anything and will therefore cease payment forthwith. My guess is that I'll receive a forest through the door, but if they cannot prove I owe them money, they are entitled to nothing and that's exactly what they will get. However, does the lack of the original agreement mean they can still take me to court to recover any monies? Also: I did not send a CCA request to the original creditors. Clearly, both they and I know that I took credit out with them and therefore they should have the original agreements. On advice from dx however, I will send them CCA requests as soon as I can get to the PO and get the Postal orders. Clearly if they cannot respond to my letter, then they may very well not have the original agreements either. If they do not respond within the timeframe either, can they pursue me through the courts? Further, let's say that none of my creditors can answer the CCA request satisfactorily. Does this mean that the debts are unenforceable? If they are unenforceable, can they be expunged from my credit file? If not, then is there a time bar, after which they are wiped anyway? H

Well, I've just been away for a few days, (I'm sure you understand how much a break is required when looking after elderly relatives), and the best news greeted me on my return! I have a new job! Thing is, this changes the situation somewhat. I now have an income that I didn't have before. It follows that the minimal payment I was making is now not appropriate and they could justifiably ask me to pay more. Especially if I complete the Income & Expenditure form honestly. I feel like I'm stuck in a quandary really. H

Hi, The first one acknowledged that they have the correct email address. I responded to say that they had. The next email wants a breakdown of my income & expenditure. They already have that from ages back & I don't want them to know anymore information about me. They are also running out of time for the cca requests. If I don't get copies of the original agreements, what then?

I have today received an email from moorcroft. The address is: [email protected] I can only assume that they have called the house and experienced my mother's confusion! I'll know if they have, and woe betide them if that's the case! H

It's not the money! Thanks though. H

Hi Guys, Can I ask, (not that I'm at home at the mo), but should I send CCA requests to ALL my creditors, even the original ones that I took the agreements out with? Surely they will have the original docs on file. I have been paying the original creditors, as well as 2 DCA's as you will see from the history. If I've been paying them regularly & consistently as I have, then surely there will be no grounds to proceed to court action. your thoughts, as ever, are most welcome. H

I'll do that dx. Thanks for the advice. As 'they' say.....nolli illigitimo carborundum!

Hi, Mine went today too. I got the list of the recipients and the reference Nos from the bank details, so I know that 4 of them are the originals The other two are DCA's & I'll be very interested to see what they have to say! As you say.....No CCA, no pay! H

Hi Carl, I thought I'd already posted a reply but it seems to have gone adrift! I discovered this site as a result of chatting with the CAB. Glad I got in with them when I did too 'cos they shut up shop, at least the chap I was working with left. I'm not too far off retiring age now, so jobs are quite few & far between, but hope springs, as they say...... I will keep up what payments I can for the forseeable future, but if I hit 65 and am still looking, they can go swivel! After all, they can squeal and whine all they like, but they can't have what I don't got! H

Hi, I found it, but lost my job so couldn't get myself into the position you're in! My guess is that you have paid back the capital by now, or nearly done so, so could justify not paying them any more. The CCA should provide details. If not, sign up to Noddle. I did and can define exactly what I owe my creditors! It's free, my favourite price, and the response is almost instant! Good luck H

Hi Carl, My guess, and it's just a guess, is that they would try to insist on your liability for the debt and in the event you continued to withhold payment, they could justifiably pursue court action. Personally, I had a payment plan, as laid out by the CAB, and was paying that right up until I lost my job. I told them of the circumstances and put the payments down to a much reduced figure. I'm still looking for a job, and I'm hopeful, so I may reinstate the payments, thereby demonstrating good faith. They then cannot realistically pursue legal action. I had kept all the letters etc, but I have the detailed record of all my payment via the bank. Incidentally, the CAB advised me to get another bank account which was disconnected from any of my other accounts. Good advice, I though! H