20 Grand at a couple of quid a month will take the rest of your life to pay off. Your credit rating, if your bothered about it, will be buggered up for the duration, and the creditors will definately pester you occaisionally for increased payments. If as you say you have no property, then IMHO you'd be better off in the long run by going bankrupt, but it's not a decision to be taken lightly, talk to someone about it before jumping in with both feet. Good luck, and let us know how you get on.

If you haven't already done so, stop paying them. The (alledged) debt is now unenforceable until such time as they produce the agreement. After 30 days (I think) they have committed an offence, and even if they manage to produce the agreement, they cannot take any action without the courts permission. Have a good read around the forum, lots of people are in the same boat as you with these waste of space ****, and by following their progress you'll have a much better idea of where to go next.

Lies, lies, and more lies Stick to your guns and nail their asses to the wall

How many years ?? If it's over 6, I wouldn't even bother sending a CCA letter, just write to them stating that you do not aknowledge any debt to them, and that the original debt is statute barred and they should get stuffed

If the cheque was cashed, you have irrefutable proof that the letter was received, the only thing you don't have...... yet...... is the exact date. Call the 0845 number..... then...... Just sit back and let them commit an offence

If the CCJ has not been issued yet, then there are a few things you can do to stop the procedure in its tracks or slow it down, however, a lot more information about the "alledged" debt is needed before anyone here can try and advise you which direction to take. Who owns the debt ? Where did it originate ? When did it originate ? What was it for ? (in general terms) Have you aknowledged it ? Do you dispute it ? Plus any other info you can give. But you'll need to reply fast, and act even faster if you are to stand any chance of succeeding.

The way I've always understood it is..... When the "young lady" answered the door, their first question should have been...... Are your parents at home ? or, Is there an adult on the premisses ? If the answer is "no", they should have left immediately. They can leave a message to be passed on, but they are not allowed to enter the premisses under any circumstances when there are only children in the house.

If they cannot provide a true copy of the agreement, they cannot enforce it, simple as that. If they try, then their failure to produce is an absolute defence against any action they may take in court.

If the debt was actually sold to Crapbot then they are assigned all legal responsibilities as well as rights, so by my way of thinking they are responsible to pay you back your charges. Could be a laugh hauling them into court for your money

Send them the CCA letter with a quid, and don't pay them anything else until they produce. I can virtually guarantee that they can't come up with the required agreements, and when they can't they're stuffed

Send Lowell a letter telling them that you do not acknowledge any debt to them and that the original account is in dispute, then SAR Barclaycard to find out what if any charges were applied to the account. I'd be willing to bet my Granny that there's more than £300 worth. Once you have this information, shift up a gear into full speed ahead recovery mode. While all this is going on Lowell can't do Jack Schit and they'll probably end up with nothing to claim anyway

I might be wrong, but I think all the moderators mod all the forums, so there's none in particular.

Aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaarrrrrrrrrrrgghhhhhhhhh I am now seriously p!ssed off with these people I just got back exactly the same reply letter as I recieved to my first request:mad: THAT'S IT ! IC complaint tonight, 7 day letter before action tomorrow with estimated unlawful charges of £4999 + interest at their unauthorised rate. :mad: :mad:

I'd remove that line, they are under no obligation to supply you with it. However, they would have to present it to the court, if they ever get that far with the collection, which they won't if you stick to your guns

Charging orders CANNOT have interest applied to them without an application to, and the permission of, the court granting the order. I got Link on this one Check with the court to see if such an application was made. Most DCA's don't even know they have to apply, and just assume they can add it anyway They can't

You say you wrote to them for a breakdown of the charges, was it an SAR ? If not, that is your next step, make sure you send it by recorded delivery.

By all means contact the bailiffs and send them copies of the forms etc, it might work, it probably won't make any difference. A POLICE OFFICER WILL NOT FORCE YOU TO ALLOW ACCESS, AS YOU DO NOT HAVE TO ALLOW THE BAILIFF TO ENTER YOUR HOME The only time a bailiff is allowed to force entry to your home is if he has been in before for the same matter, the police will not even attend to make you allow him entry unless this is so. DO NOT LET A BAILIFF INSIDE YOUR HOME FOR ANY REASON, NO MATTER HOW TRIVIAL IT MIGHT SEEM, ONCE HE'S BEEN IN HE CAN RETURN AT ANY TIME IN THE FUTURE AND FORCE ENTRY. Move any cars to a locked garage, and only talk to a bailiff through a window or a locked door, make sure you let him know in no uncertain terms that you are not going to give him access, if he tries to threaten you, tell him to stick his threats where the sun don't shine, and call the police yourself. BTW, good luck getting the judgement set aside, make sure you let us all know how it goes.

If the court really has no record of the repossesion of your house, something stinks. Double and triple check with them, then if nothing comes up SAR them, if still nothing shows up then something big is amiss here !

As he took the money from you under false pretences, the statute of limitations probably does not apply, so don't worry about how long it has been. I would make a complaint of fraud against him to the plod first to see if they are willing to do anything......... If not, the first step is to get an address for him, have you got it ?? You say he has about 11 companies, but then say he is not Limited As for the house being sold cheap, there's grounds for a claim there if you can proove it.

File a defence and request that the case is transfered to your local court, ASAP Check some of my other posts about Leech for more details, DON'T WASTE TIME you don't have any to spare

WasteCot won't pay up without a judgement against them, so just sit back and wait, they don't have to reply to your letters, just as you don't have to reply to theirs If you hear nothing by the court date, you'll get a judgement by default, there's nothing you can do to speed it up.

Yet another member having problems with Leech (not a mistake). The letter they sent you back is bull, and they know it. Stick to your guns, but be VERY careful. Leech will act extremely fast, and they will apply to Lambeth CC within the next few weeks for a judgement against you. The first thing you MUST do is get the case transfered to your local court, do not even begin to dream that you are confident enough to fight it at Lambeth, they will not listen to you due to their cosy arrangement with Leech, and you WILL lose the case. Use any method you can to get the action moved away from Lambeth CC, or you'll regret it. The other thing I will warn you is that Leech are very keen on getting Charging Orders, and they WILL railroad these through Lambeth as quickly as they can if you don't get the case moved. You MUST act fast, and you MUST get any action moved from Lambeth CC

I smell a TROLL

Basically YES. No CCA agreement = no (enforceable) debt. Tell them to stick it

I trust you treated that remark with the contempt it deserved