Spot on PF:)

Basically if they haven't complied with an enforceable agreement after 12 + 2 days, you can legally stop paying. Then if they start ringing you to harass you, you say "in writing only" and put the phone down plus send them the harassment letter from the Debt Collectors Library. There are letters to deal with the follow up in the same place. This is enough to be going on with for now, so lets wait and see what they come up with:)

Why not consider going the CCA route i.e. requesting a true copy of the executed agreement for the three cc accounts that are with DCA's? The request letter is in the Debt Collectors Library. Enclose a £1 postal order and don't sign, print your name or use digital signature. That will at least give you some breathing space. If/when they send agreements, remove identifying details and use one of the free imaging sites such as photobucket for folks here to give their opinion as enforceability. They have 12 + 2 days to comply after which if there is no enforceable agreement you can legally stop paying. There are many members of CAG who have experienced problems far greater than yours (i.e. the amount of debt) and are now in a much stronger position as a result of following this route.

If you're frightened of rocking the boat put your complaint formally in writing to payplan. If on the other hand they don't play ball and you decide to go the other route you can send each creditor a request for a true copy of your agreement. They have 12 + 2 days to comply, If they cannot come up with an enforceable agreement, you are legally entitled to stop paying after the time limit mentioned above.

Hi Theshnaque, attaching a link which I hope will be helpful, bit quiet here on Sunday nights, praps some more people will happen along tomorrow:) http://www.consumeractiongroup.co.uk/forum/legal-issues/203298-guide-charging-orders-orders.html?highlight=charging+orders

Yes thats right they have 12 + 2 days to comply then you can legally cease payment. Harassed Senior means that usually when they shoot it back to the OC like RW it means they probably sense trouble ahead, really what they want is to frighten you in to paying without any hassle from you. When/if you get an agreement, use a free photoimaging site such as photobucket to post it up removing identifying details so folks here can give you an opinion as to enforceability. With regard to the other creditor you mentioned, don't give up on that just yet, you could send them a Subject Access Request to get more detailed information, you have to send £10 postal order for that one.

Small Claims Court I think. Take photographic evidence, did you have any paperwork? Quite simple to raise this online on the MCOL site where it will be dealt with by the Northampton Bulk Centre and once acknowledged will be transferred out to your local court. If you don't want him to rectify the job then you want your money back so someone else can put things right.

Martel, have a look at this thread, might give you some confidence:- http://www.consumeractiongroup.co.uk/forum/legal-issues/214733-major-help-needed-cabot.html

Do what your head says! Have a look at Pompeyfaith's thread, drop down search box or click on his name - and you'll get a sense of whether you can trust Optima Legal or not. I battled with them about a year ago, no enforceable agreement, they discontinued, they had to pay my hearing costs!

No probs, let us know how you get on:)

Hi unhappy SCs customers, these companies' lack of customer care is depressing isen't it. The only thing I would add is take a sneaky pic of their sofa in store and yours as well. About 7 years ago we had a problem with Harveys, the top of the dining table peeled off and they delivered the wrong colour cushioned chairs. Technician agreed manufacturing fault. Like you spent ages complaining on the 'phone and got the immortal advice that "all our managers are out on the road". Took them to the small claims court with photographic evidence, they didn't turn up, judgement against them, had to send the bailiffs into the store but got the money! I also complained to TS and told them the outcome at the end. There are still a few Caggers turning up with similar complaints about that company. Good Luck!

Don't know whether you have seen this discussion Dickydicky:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/211306-new-tack-supplying-cca.html

Ruthill, you need to post up the POC (Particulars of Claim) using one of the free imaging sites such as photobucket, remove identifying details first, without that peeps cannot help you prepare a defence, don't try and do this on your own.

Thanks so much for this Diddydicky, excellent work.

Sorry FBB, been a bit busy last couple of days, have you decided what to do? The only drawback I can see in waiting is that the interest will be going up.

Don't worry about this JMS, I found the court staff a bit stroppy where I had to go with daughter (in our case, the High Court), she can't possibly know anything about your case from the brief moment you spent swearing on the bible, you are going to be fine.

You send the following attachment to the DCA that HL Legal is acting for with as previously advised £1. postal order. http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter Send it recorded delivery.

Neither did I - clever:D

Thanks for this Postggj, very helpful, should really be in the Debt Collectors Library.

Hi Owen, I really think you have to start taking charge on this. With regard to the overdraft I am attaching a link which I hope will be helpful to you:- http://www.consumeractiongroup.co.uk/forum/legal-issues/262588-natwest-loan.html The credit card may be easier to deal with, have you requested a copy of your credit agreement from the DCA? Do the template from the Debt Collectors Library on CAG. Enclose a £1. postal order and do not sign the request. They have 12 + 2 days to reply. If/when they comply post it up on here, using a free photo imaging site such as photobucket removing identifiable details for peeps to give their opinion on its enforceability. You can also SAR the original creditor, £10 postal order and same as before, this should gain all the information on your account. If you go on ignoring this, they will proceed to court and could get a CCJ which will be harder to defend, so get on it without delay. Also when you send these requests, use recorded delivery, then you can check on the Royal Mail Track and Trace site when they were delivered and print out. Good luck!

MCOL which would end up in your local small claims court, don't suppose the fee would be much but I'm afraid I do't see much chance of you winning uless this student admitted it and thats not very likely by the sound of them, sorry to be negative, someone else may come along to give you different advice.

Ok Fred you got me, guilty as charged, at least I know how to do it now:D

Don't be defeatist Shedder, you make sure you get your schedule of costs to the court 24 hours before your hearing, copy to the enemy, there are lots of people on here who won with costs including me on behalf of my daughter,

This is not nice of his ex flatmate is it? Difficult if the utility bills are in your son's name, is the outstanding amount sizeable. Did they have any kind of contract in which it stated both would be liable for utility payments? I suppose you could approach whoever is responsible for Uni Students and try and get them to set up a meeting.