Hello again! This seems to be a tad never ending at the moment, I have followed all the advice given so far (Thanks very much!!) and as per my last post i received a 'begging' letter from Wescot. I have now received another letter from Wescot, cleverly disguised as a company called 2F, asking me to confirm my address as they have not been able to contact me? Getting a bit silly now! Shall i continue to ignore or is there something else i should be doing? Thanks as always, any help gratefully received and appreciated.

Hi, Finally received something back from DCA, Letter asking me to contact them to discuss a settlement offer to avoid further action being taken? Shall i just ignore? I was under the impression that after letter 2 the couldn't pursue without providing me with that first? Any advice greatly received!

Just a quick update.... Nothing, No response to letter no.2 as yet. Is this common or should i expect something back eventually? Cheers

Excellent, Thanks very much!

Hi, Have let this slip over the last few days but was now looking to send off the next letter as posted above, However i don't appear to be able to access the link anymore? I don't have the correct permission? Any ideas? Thanks in advance

Hi, I have had the repsonse from the DCA. They have returned my letter and postal order and attached the following letter, 'Following your recent request for a copy of the signed agreement, our client has requested you write to the following address and state this is a 77/78 request and enclose a £1.00 postal order payable to the client' I was under the impression that they had to forward it on to the creditor if it is not them? Either way it hasnt happened thst way. So what should be my next step?? Send it off as instructed?? Thanks for any and all help as always.

Hi, Just a quick update, CCA was sent last Thursday 26th, for the 12 days am I counting just working days?? Also received a further chase letter which was dated 30th? Shall i assume this is automated and ignore, wait for an actual response. Thanks for any and all assistance!

Ok will do, I'll report back with developments... Thanks both for all your help so far!

Wescot, Ok I'll get that sent off as soon as i can get a postal order. Just to clarify, "This letter is a formal request pursuant to s.[77/78/79]" - 78 is running account and therefore credit cards? "you fail to comply with my request, the provisions of s.77 will apply" - is that correct or should it also be 78? Just wanted to make sure! Many many thanks!!

Ok... Just had to ring CRA and update my address to get hold of my free report. The last one I had contained this debt and the current one does not?? Although helpful the operators accent was hard to follow and i think he mentioned it will take time to update with all the info so think I will give it 24hrs and run it again. from the previous report, approx 10 months ago, was listed as RBS Cards (MINT) and the default date was 09/2009. I'm assuming that once the linked addresses get updated it will show up so shall I report back once it's done or go ahead with the CCA?

Thanks for the speedy replies! It was from MINT and yes it does show on CRA file as a default. Ok so do the CCA request as first port of call,If that all shows as above board how would i approach the charges etc? Thanks again,

Hi all, Unfortunately having to return for more help. I have been sent a letter from a DCA in regards to and old credit card. I had genuinely forgotten about this as last year when i was facing my debt the original creditor could not find any information about it and it got ignored. It now appears to have been passed to the DCA So, My question is this, Before i arrange to pay this debt am I able to challenge the charges that were originally applied, and the corresponding interest? I'm a little short on details at the moment, apologies, but the card was issued in 2008 and defaulted in 2009. limit was 850 and the balance is now approaching 1100. As i mentioned i'm not trying to avoid this debt rather make sure I'm not paying over the odds. Any help/advise wold be greatly appreciated. Many Thanks!

Thanks for your help. I had looked into that but didnt feel I had a good enough reason to get it done? It was sent to an old address that I only stayed at for a few months. I dont actually remember giving it to them to be honest. I registered my bank there so I could get a proof of ID for moving to my actual address? If it was possible and then I paid the debt would that remove it from my credit file?? or f I get it paid and settled is that so terrible?? Thanks again.

Hi all, apologies if this is in the wrong place, this is my first post. Short background info. I borrowed some money on credit cards (small amounts) in my late teens and was paying fine, i was made redundant and made the smart decision to RUN !Now in mid twenties and looking to sort out my credit file. I have no wish to wriggle out of paying it, i borrowed the money and am happy to pay it back (now i can afford it!) I found 2 CCJs against me (unknown to me as i have moved many times in rented accomadation), one of which i have now paid, this was easy to sort as it was only put on recently (unfortunatly over 30 days though!) The other is quite a bit older. I contaced the company who put it on, B.Carter, they claimed that the debt had been retracted by the original lender, so i followed the trail back to the credit card comp who advised as B.Carter put on the CCJ i would need to sort with them and they would have to send it back to them. After 3 further phone calls to both parties, nobody seems to want my money! Any ideas on how i should proceed? I want to at least get this settled on my file asap! Thanks in advance for your help!