1st, littlewoods debt collections..On May 15 i wrote 1st letter giving them 7days etc,I then received a letter from fredrickson international saying that they now owned the acct and pay up, this was mid-july!.It seems that LDc sold my debt to a company called Phoenix on 13 March and told me nothing,Phoenix then sold the debt to Fredrickson.I've now sent Fredrickson letter requesting CA.2nd,....Blair Oliver and Scott who never even bothered to reply to my request for CA,even after 7days followed by 30 days,i've since told them that the debt is now unenforceable and am writing to OFT and local Trading Standards to complain about their disregard for the law.Lastly..Reliable Collections Ltd who only after months of harrassment have finally agreed to put the matter "in dispute" and have referred it back to premier Man.I would be very grateful if someone could tell me if there is a template for writing to OFT etc complaining about non compliance by DCA's.

many thanks steven,i've written the letter which will go recorded delivery tomorrow.i'll also cc the OFT and Trading Standards.the scales have been taken care off.

I wrote b.o.s on 14may requesting a copy of cca but i've heard nothing from them since, they've defaulted and committed an offence. does anyone have suggestions about my next course of action.

I wrote to Barclays on 13April'07 requesting they repay default charges to the amount of £165.00.,on 20 April I received the standard "sorry you're not happy" letter.On 23April I sent 2nd letter threatening court action,on 28April I received 2nd "sorry" letter.On 8May I sent a letter detailing two further charges amounting to £30.00 which I would be claiming for.On 17May I received two identical letters which stated that Barclays were making a payment of £165.00, which they said was the amount I seeking, as a goodwill gesture in full and final payment.On 21May I received another "sorry" letter(i'm not sure why).On 24May I wrote saying that I had accepted the payment as part payment only, and unless I heard from them within 1 week I would pursue the outstanding balance through the courts.I took out a summons which Barclays acknowledged service of on 31 May in which I claimed the full amount of£225.00 which included £30.00 court fee.I spoke to a member of Barclays litigation team who said to wait 'til a court date had been sent then ring him and he would settle for the balance.In the meantime i had to return a questionaire to the court.Today I phoned the court to get a progress report and was told the judge had requested some doc's from myself and Barclays and that it had been posted today and should be with me in a couple of days.Is anyone familiar with these goings on and if so i'd be grateful for some(any) help. ... ... .:idea: :idea: .

Blair,Oliver and Scott, and LDC are only 2 days away from commiting an offence.should i now take them to court,and if so how do i go about it, and what kind of reaction or result can i expect.i really need to get these people out of my life once and for all with a legal.I think the only way to finally put dca's behind us is through the courts because they persist in pursuing the debt with phone calls and threatening letters.help needed please with regards to legal recourse.

do we know when this bill is actually going to become law,or does it automatically become law when the bill is passed.

i was talking to a man from the CCCS yesterday,he once worked for a dca,he confirmed that a dca cannot pursue a debt whilst it is in default,and that the 12days/1month system gives complete defence.as long as they cannot come up with the original. however they still try to intimidate.we all have to get our letters off to the relevent authorities so that they can take action.failing that they'll continue to give us a hard time.stay off the phone and send copies off all your letters plus those from dca's etc.these people know they are legless and it frustrates them so they try to intimidate people who are already under stress.we all have to stick together over this..good luck.

hi bankfodder,i received notification from the court informing me that barclays are defending.they require questionaire returned by 2 july.tried to contact krysta campbell, just voicemail and doesn't return message.i claimed £225, they offered £165.i took money and told them i'd be coming after the rest.can you give any help please...vbr cj.

hey worried,i was in the same boat as you,and then i discovered the CAG,there is a lot of experierence and a lot of careing here.all the help and support you need is just a few clicks away.

Peter,my email to richard burden has been sent.

I need help pretty badly guys,I'm already well past the 12days/1 month period with reliable collections,and i'm sending off complaint to OFT tomorrow.What worries me is that the 1 month period is up for B.O.S and littlewoods dc on saturday.So far i've heard nothing at all from either of them,not a blank copy of the CA or even a phone call,it's as if they are waiting for the bailiff's bill on wednesday.Should i just wait or perhaps phone them.You see even if they do not comply after the 1 month period i'm unsure of my next action.I don't know how to go about court action with dca's.Banks are childs play compared to this.Is the failure to comply within the 12days/1month period a complete defense or is there way around it for the dca's.the fact that you can be paying off a debt for a few years and all of a sudden find a reason not to continue seems almost to good to be true.And i think many more dca's will attempt avail themselves of the new "right of entry " law...help badly needed..

thanks dave,you're right, this should be on the dca thread,got carried away because the bailiff action could be directly aimed at disrupting the default/offence period-12days/1 month.

hi peter, as the deadline is so close do you recommend emailing our mp's or contact by letter.In any event could you give us an idea of the wording...regards..cj.

hi peter,At what point should i consider going to court re' dca's not supplying the cca.Next friday will mark the end of the 7/30 day time period for creditors to comply and so far nothing from them, not even a blank copy.It occurred to me that the reason for silence from B.O.S and LDC could be that they are preparing for a request for bailiff action.Even though according to the act they cannot pursue a debt whilst in default.These people seem to ignore this act when it suits them because the DTI and OFT etc don't enforce the (s77-s79) act.

hi peter, good to see you back again.although we all need your help we all want you to get well first..best wishes..cj. .

sorry, but i have to ask again,is there any point in requesting a copy of the credit agreement,waiting 7 days and then a further 30 days, a dca could anticipate the debtors action and make an application for bailiffs. another VERY disturbing thought is haunting me...what if the judge that hears a request for bailiff action has no sound knowledge of the consumer credit act, after all, the people i have spoken to at the DTI don't seem to be too knowledgeable about it.a lot of "what ifs" in this suddenly very grey and slightly frightening area.has anyone got positive info' regarding this bill as right now it seems to be a very dangerous loose cannon.

has this bill actually been passed, and if so who has the right to go to court and set the bailiff procedure going.are the debtors forewarned by the court of any impending action by bailiffs and given time to rectify the situation, because if no notice is given there will be hundreds of people who are going through (or have completed) the 7day/30days period that is given to creditors to comply with the consumer credit act who may be visited by these guys.

reliable collections for threatening door step recovery and to report me to credit agencies when they have not provided true signed copies of agreement.

does this bill mean that all dca's may apply to the court for action by bailiffs,or is it for council use only.if dca's can avail themselves of this bill then how is the 7days/30days schedule that we use affected.can we be sitting waiting for a reply from the blair,oliver,scotts of this world and then answer the knock at the door to find a bailiff.

thanks everyone, i'll look up the phone number and call them tomorrow.i'll keep you all posted...cj.

hi hippo, i'm afraid i don't know her,i'm not sure what i should say to her.if i just wait until the court date do you think that they will write to me and cave in...cj.

hi, yesterday i received a reply from the court and it enclosed a copy of the defence that has been filed by barclays. the date has been set for 2nd july. does anyone have an idea what they might have in mind,are they going to war over £60.

hi deedee, all the details have been sent on to the DTI, so i'm waiting to see what happens....cj.

hi pliny,the only counter claim i have is the one that most of us use, and that is the CCA, it does seem to me that it seems to solve a lot of debt problems. i'm not sure what i would do if they were to defend the action or indeed say that "we're taking you to court".also i don't know what the difference is between a company who has bought the debt and someone acting as an agent.basically in a very few years i've come from a position when i had a clear and shining credit history to one where i'm trying to survive.i'm really grateful for any help i can get. B.O.S are acting for the bank of scotland and L.D.C are owned (i believe) by littlewoods.but as i said i've heard nothing from them since i sent the 1st letters on 15 may and i'm not sure what the silence might mean.

i understand where you're coming from pliny, but quite honestly i just want these parasites off my back.once i can relegate "reliable" to the trash can, i can turn my attention to LDC and B.O.S. they have both got 21 days left until they commit an offence.