Thanks for all your help BRIG, I will send the letter.

Thanks BRIG, i found the letter but as i see it the 12+2 days has not expired as yet, they signed for the letter on the 30 August 2012. Should I still send ?

Thanks BRIG, i'm still trying to find my way around the site, can you point me in the direction of the dispute letter ?

Yes i sent the CCA request with a £1 postal order recorded delivery. They acknowledged the request with a letter confirming they had put the account on hold and would request these from the original creditor. Then i received a bunch of copied statements today, no agreement.

i know ! the letter simply says 'please find enclosed copies of statements/invoices as requested, upon receipt please contact 1st Credit immediately to discuss the above account'. I will send the letter you have suggested. Thank you. J

No nothing just copies of statements.

Hi All Just to clarify the debit is showing as owned by BOS on Noodle but i did receive a letter from 1st Credit saying that 'Bank of Scotland PLC has assigned all of it's respective rights, title and interest in respect of the above mentioned account' so i assume BOS have sold on the debt. Anyway, i received a package today from 1st Credit, they have provided me with a bunch of printed statements going back to 2006, but no signed agreement, of which they did acknowledge i required in a previous letter and that they would approach the original creditor. I have issued a SAR to BOS today, what should I do about 1st Credit? Should I just reiterate the account is in dispute and request the CCA again ? Any help appreciated as always. Kind Regards J

The original debt was a Credit Card debt of £9660 but i paid £300 to a DCA some 18 months - 2 years ago (Not 1st Credit). I made the payments as a gesture while BOS was dealing with my complaint. BOS have never acknowledged the payments and the file was passed back to them after I stop making payments. The Credit card was taken out in 2000/2001 but i can't be sure the exact date. Thanks. J

Soz, I have now amended, did put paragraphs in first but seem to bunch everything together. Cheers J

Hi I'm very new to all this so please bear with me. I have an long outstanding debt with HBOS just over £9000 due to stupid decisions i made earlier in my life. I have over the years been in dispute with BOS, they have passed my account from one DCA to another about 5 in total, everytime I complain or kick up a stink they send it back to HBOS. They have now passed this to 1st Credit who i beleive has been sold the debt by HBOS, although I can not see any mention of them on my credit file, checked on 'Noodle' today. I am really angry with HBOS as the last time i had contact with them, around 18 months ago, i sent them a complaint as i did pay an amount to one of their DCA's about 3 months worth, this was never reflected in the figure they put on the statements they sent me and is not reflected in the figure they have passed to 1st credit. Furthermore i did questions a possible breach of DPA as one of the DCA's HBOS sent my file to, contacted a utility company and stated this in writing to me. The utility company provided them with confirmation of my address and that i was living there and also that i was paying for utilities at the address. I complained to HBOS as they had no right to do this as i had previously been in contact with them and they was no question that i was living at the address. HBOS did not reply to this and over the months as they kept quiet i didn't puruse the complaint, however i did keep the letters. I have just looked at my credit file today and it does show the default with HBOS outstanding , the first default date was 22/11/2007, it doesn't show any payments after that date, probably because i paid the DCA not BOS, and they have never acknowledged this. 1st credit have now sent me 2 letters, the first with your typical B&W photocopy of a bank of scotland headed letter saying that they have now been passed the debt and a second one threatning bankruptcy and asking me to pay £1500 in installments. I have read a few comments about 1st Credit and I have sent them a letter telling them i don't acknowledge the debt and asked them for the original signed agreement. I have not signed the letter and asked them to contact me in writing only. I also included a postal order and gave them 12 days as recommended. I suspect I will need some guidance going forward, as i know these people can be a bit tricky. I was considering an IVA as i am just about coping with my debt until these people came along, i am now a bit worried. If i do opt for an IVA i didn't want to pay 1st credit as i know how much they pay for books of debt, i would have rather resolved the issue with BOS, which I did try to do initially. Any advice or assistance would be much appreciated. Kind Regards