ok will take your advice and ignore... off on hols anyway for 2 weeks so we'll see what awaits on my return! thanks again Scarlett

haha yes, looking closely, its all "may" do this, "may" do that... Was gonna send Rockwell a letter today saying: Account remains in dispute whilst we await info from OC. therefore assume the account will remain on hold with you until response received. Is this a letter worth sending to Rockwell... or just ignore their threat letter? thanks again for great advice Scarlett

Hello folks! Heard nothing back until today received another letter from Rockwell dated 14th Aug 13.. . Reads as follows: Despite our previous correspondence your above account remains unpaid. Your debt must be paid in full to these offices within the next seven days otherwise we will take immediate action. Failure to respond to this notice will leave us with no alternative but to consider the options available to us which include: a debt collector may visit your home. A court judgement/decree may be requested. You should be aware that any court costs awarded will be added to your debt. If you are unable to pay the debt in full you must telephone us on the above tel number immediately do discuss other possible options. You will be asked to provide a full statement of your income and expenditure in order to validate any instalment/temporary arrangement. To avoid Rockwell taking any further action refer overleaf for methods of payment. Firstly from previous advice given on here. .. I will not ring Rockwell, I've already scanned agreement and put on here which i'd received from them and the advice given on here was that it all looks ok??? If someone could advise me on my next step please as I don't want this to escalate and be involved with bailiffs visits to my door. Oh and I've not had anything back from original creditor Black Horse... Help please many thanks Scarlett

Ok i'll report back when i hear back Thanks for help

Ok i'll send sar to oc see what happens and in meantime just ignore rockwell?

It was sent to rockwell not bh.. .but think by what your saying i'll send to bh see what they send back... not saying u advised me to start paying, just asking whether u think ive got leg to stand on with the agreement looking all in order. Sorry for confusion Thanks Scarlett

Hello... Ok so u think agreement is ok... I seem to recall reading something on here about agreements drawn up pre 2007 and some changes that had been made, could u explain if these changes would refer to this agreement that started 2005. I never received statements back just a list of payments from rockwell. Just checked CRA file but nothing showing (mind u this was my cred file with noddle so unsure how accurate this would be, but nothing on there relating to black horse or Rockwell). Like i say i did make s/o payments to rockwell up until 2011 then they stopped taking money from my account for no reason... And i have the same account. Then out of the blue i was sent letters for payments... Just find it all a bit odd. So would yr advice be to start up payment arrangement cos i cant afford the payment in full? Thanks again Scarlett

hi dx sorry for delay we've had signal failure, back on now so Ive attached the front page of agreement - hope its attached and you can read ok. thanks again scarlett

hi again... uploaded pages again hope this works now! Sorry not good with technology! Thanks again... 2 attachments showing agreement sent from Rockwell scarlett136

hi Brigadier2JCS Thanks for your reply.. . finally fathomed out how to scan and attach docs. Well thought I had, but trying to attach the 2 pages of the T&Cs Rockwell sent me. .. one looks like its attached ok, but having problems attaching other page!!! They were sent to me as separate sheets. I've blanked out personal details and yes my name and address where top left and its my signature part way down, that's been blanked out. However you will see the start date has been handwritten by them or original creditor 01/12/05 (not sure if this is the norm or should this date be typed in). If you could advise pls that would be great. Hi, dx100UK thanks for your reply too, the agreement is from 2005 and I did make standing order payments up to 2011 so its not statute barred. However, I did think payments were finished as no other s/o requests were taken from my bank account.. . until I received letters a couple months ago. Any help or advice on my next step would be most appreciated. thank you Scarlett

Hi Brigadier2JCS... well heard nothing from Rockwell since my last post on 15th May 2013. Then their letter dated 18/6/13 arrived on Friday 22/6/13. It reads as follows:- Dear xxx We write in response to your letter dated 13th May. As requested, please find enclosed copy of the original Terms and Conditions for the above account, together with a further copy of your original agreement. These have been supplied by out clients and we trust they satisfy your query. We shall be grateful therefore, if you will provide us with repayment of the outstanding sum £1,376.36 within the next 30 days. If you are unable to afford full repayment at this time please complete and return the enclosed financial statement within the above mentioned 30-day period. yours sincerely blah blah blah! As they state it is a photocopy of T&Cs and is most probably something generic that is easy to get hold of... (Sorry but if I could scan document and post on here I would!!) T he T&Cs outline points 1-7 eg... our loan to you, what you must pay, interest, charges if you break this agreement, if you break this agreement, early settlement, general info... . with a panel to the right hand side of the doc stating points under the heading "use of your information credit ref agencies". To the bottom of this panel there is a blank space!!!! Not sure if a signature should be here or not.. . or whether that's how the original T&Cs should look? There is nothing on the reverse side of the T&Cs either. Also the "copy" agreement they've sent again has TESSERA hand-written across the top with couple of hand-written numbers alongside it. Wondered if you could advise me of my next move. .. or do the documents they've sent out suffice and will I need to pay them. .. seen lots on this site about Rockwell, a real eye opener! Thanks again for any help or advice you can give, much appreciate.... Scarlett136

Will do sending recorded delivery today thanks again

hi Brigadier2JCS.... sorry been away just read your post in response to mine... thanks again for your advice and help and I'll be sending Rockwell this letter tomorrow! cheers, Scarlett

In addition... if you recall all Rockwell had sent to me was a copy of the front page ONLY of the agreement with no T&Cs attached...

BRIGADIER2JCS I sent Rockwell the letter you drafted for me and you asked me to report back with their response.. .. This is their response letter received yesterday 4th May 2013: "Thank you for your letter 27 April 2013 concerning above mentioned account (Lloyds Black Horse). I note your comments advising we should provide you with the original agreement should we wish to escalate this matter to litigation. However, I must advise this is not the case and a copy of the original would suffice for this purpose. Further to this, we have not at this stage decided this is the action we wish to take as we would prefer to reach an amicable solution rather than take legal action. Please contact us either by telephone or written correspondence within the next 30 days to clarify these points to allow us to resolve this issue for you. Thank you for having brought this matter to our early attention to enable it to be rectified. We trust we have been able to clarify matters for you, however should you remain dissatisfied please contact the Financial Ombudsman service on 03001239123 or alternatively see below for details of the credit services association, yours sincerely....." Please can you advise me on the next course of action I should take.... many thanks

Thank u for your help much appreciated

Sorry i dont know how to scan docs. Thanks for your detailed message but im afraid i havent got a clue where to start gggrrr, wish i did, been trying but no luck!

Thank u will do

Thank u for all your help with this, really appreciate it i'll get that letter sent straight off, recorded delivery of course!

Just outlines duration of loan Monthly payment date start 01/12/05 in handwriting Key info paragraph signature Date at bottom handwriiten 18/10/05 Thats it!

Thank u i will....

No they havent.....

Just outlines duration of loan Monthly payment date start 01/12/05 in handwriting Key info paragraph Signature Date at bottom handwriiten 18/10/05 Thats it!

The copy does show my signature... does that matter

No