Before sending off the letter, I've taken a look back through the correspondence received from Robbers Way. One letter I have from their "compliance manager" states that as far as she is concerned, RW sent me all the stuff needed to comply with the CCA request (they did not) and were not prepared to enter into "further interminable correspondence" with me and wanted me to pay up or else. They backed off shortly after receiving no reply to this correspondence - I had after all, complied with their request! It just seems to me it would be all too easy for RW now to repeat the gist of this letter with the same threat. I'll still post the letter as you suggest but I'm just trying to think ahead of these parasites! Thanks again

Thanks Daniella, I'll do that.

I've checked the dates again Daniella and the card was taken out in January 1999 with last payment to Robbers Way in May 2011. CitizenB, no that was a different debt. Oddly enough, Lloyds have recently passed that particular debt to Robbers Way after it working through other debt collectors including Westcott. Lloyds wrote to me after I sent a CCA Request to Westcott stating that they could not produce the documents. Yet, Robbers Way have sent me a letter from their Salford office enclosing a Lloyds headed letter asking me to comply with RW as they were dealing with the debt. I had no idea RW and Lloyds shared premises!!!

Card taken out in mid-nineties. Last payment made to Robbers Way around 3-4 years ago. Thanks Daniella.

Incidentally, on reading the letter from Dryden Fairfax it begins "We have been instructed by our client's agent, Robinson Way, in relation to the above outstanding debt" Bearing in mind that Robinson Way have admitted owning the debt, it's an odd and mendacious way of starting a letter! To my mind, they can get stuffed on this alone.

Although, I can't find the original post on here, you people have helped me previously with a problem I had with Robbers Way. They've now written to me and it looks like I've got to start from the beginning again. Despite claiming originally that they were acting on behalf of a client, they wrote to me that they had purchased the credit card debt owed to Capital One. They were asked to provide a copy of the agreement via a library template, which took them over two years to provide. I, in turn sent them an account in dispute letter from the library. I eventually received a mass of damp documents which were incomplete and did not contain all the documents necessary to prove their right to collect. In subsequent months, they wrote to me to say a doorstep collector would call and indeed, he did. I sent him off with a flea in his ear. Two months later, I had a letter stating I had set up a monthly payment agreement via this man and they told me I was late with the payment! I did not contact RW and the parasites seemed to back off. I've now received a letter from Dryden Fairfax stating that I need to contact Robbers Way within 10 days or else! There's no acknowledgement of any previous correspondence with me so it looks like Robbers Way wants to start from the beginning again via their pet in-house solicitors! I'm inclined to play them at their same game by once again asking for the a copy of the original credit agreement. Could you give me any further advice please? Thank you.

Thanks dx100uk. I'll do as you suggest.

I'm still waiting for the SAR from Lloyds, however there have been further curious developments. My CCA request to Crapquest has been returned to me - not a copy - along with my £1 PO by Lloyds Bank from an address in Scotland. The letter states that they cannot trace the account from the reference I provided in the CCA letter (this 10 digit reference was a number allocated by Crapquest). Lloyds want me to provide a 16 digit account number, full current address details including previous addresses, date of birth and date the account was opened! Furthermore, they inform me that s78 only applies during the lifetime of an agreement and if the account has been paid in full, there would no longer be a regulated agreement between us. In this event, they would be unable to provide any documentation. Right now, I don't know my next best move. Crapquest informed me they were sending my request to Lloyds and this appears to be the result. Should I send the failure to comply letter to Crapquest since they have had the 12+2 days to reply and have not done so, even though they gave themselves 24 days to reply? If I provided the requested details to Lloyds, surely I'd be shooting myself in the foot as they should be able to trace the account. I am likely to hear from Crapquest again since they've clearly passed my letter to Lloyds? I'd be grateful for an opinion. Many thanks

I've heard nothing from them. Still waiting!

About 36 days

No, I'm still waiting dx

Still nothing received following my SAR request to Lloyds. However, I've received a letter from HL LEGAL solicitors stating that they've been appointed by Crapquest. I am to "take notice that unless the account is paid in full or a satisfactory proposal for settlement is received" by a date next month, court proceedings may be issued without further notice. They will also add "Solicitor's Costs" and "Court Cost's" to the account balance. Successful judgement against me will lead to further costs and fees being added. Payment must be sent to a Crapquest address without delay or I can pay by debit card. Interestingly, if I wish to discuss this matter, I am not to reply to HL Legal, only to their client, Crapquest on 03339997223. I've been back in hospital again and didn't manage to get the CCA request letter to Crapquest. I'll do it over the next day or two. I would really be grateful for further assistance now as to what I should do next. I find solicitor's letters frightening. Many thanks

Thank you both very much. I'll follow your advice.

Hi all Having refused to discuss anything with Crapquest over the phone, they've now sent me a letter. Before they start legal proceedings, they wish me to know that they've established there are no CCJ's registered against me. They then go on to discuss the damaging effect a CCJ could have on my ability to obtain credit. They point out that they are not seeking an immediate payment in full but can offer many repayment methods around my present circumstances including "possible settlements that will save you money". They've allowed a week for me to reply after which the account will "move forward to litigation" Can the settlement offer be read as their willingness to offer a reduced payment to settle the account which in turn could point to their ability to recover the debt being dodgy? My SAR request to Lloyds has met with no reply to date so I'm in limbo with them. Might it be worthwhile sending CCA request to Crapquest with the obligatory £1 postal order to see what happens? I'm back in hospital for 3 weeks later this week and I'm worrying myself sick over all this despite Crapquest's final sentence on the letter reading "Let's work on this together". Many thanks

Crapquest have now phoned for the third night in a row. Tonight, I let the idiot go so far as to ask me some "security questions" before he continued. He asked for my date of birth. I told him that I'd tell him after he gave me his DOB, home address and phone number. He said he couldn't do that. I said goodbye. This is becoming very tiresome. Haven't I seen a template on CAG to the effect that I only want to be communicated with in writing? Hope I'm doing ok. Thanks