Update - now gone to Robinson way, who after several letters have simple resend the application form with the dodgy T&C. have replied pointing out the missing t&c etc as pointed out above by "banker rhymes with" so will wait and see, they have been quite efficient at getting back to me.

oh that sounds good! they chase unenforceable debts - well I'll keep you posted so far only had 1 DCA at a time, but will bear in mind thanks for taking an interest regards chris2806

Hi all an update gone from power 2 contact to Moorcroft who have been sent the same letters no further forward really, but not too much grief either will have to wait and see

Hi all, an update recieved a letter last week saying they had "unfortunately omitted some information" and enclosed a copy of an application form (with no T&C ) so I've written back thanking them and pointing out that they had already written stating they had sent all that was required and that I was a bit put out that they had passed the aledged debt to a DCA - I have requested that since they have a document then perhaps they would be good enough to copy both sides and send it to me. will wait and see what happens next thanks for your help chris

Hi all, just an update. account been passed to over to calders/mercers and now just got a letter from Debt managers Ltd, so sending them the same letters. So this lot is not "in house" will they buy debts? no offer of a settlement discount and still no sight of any cca (originally morgan stanley/dean witter any else had dealings with debt managers ltd/ thanks chris

thanks lee32uk, will have a look, regards

Hi all, would like advise please on the following letter received today. still not seen a CCA, and my SAR request just brought in a load of computer printouts and still no CCA, getting a bit nervous now as they seem to be ignoring requests and pressing for a doorstep visit. can anyone suggest a response? thanks barclaycard letter page 1: http://i682.photobucket.com/albums/vv190/2806dreamer/bbardmercer.jpg and page 2: http://i682.photobucket.com/albums/vv190/2806dreamer/bbardmercer2.jpg

Hi, thats the worry for me, don't have a job at the mo, but do have equity in house, my wife is very nervous....

Hi citizen b and shadow, thanks for the reply and help, what should i do now? just sit it out and wait for court action? regards chris

Hi all just got this in the post today, no mention of my latest SAR request, would someone be good enough to have a look and advise. one page letter: http://i682.photobucket.com/albums/vv190/2806dreamer/halifaxthreat11may.jpg Am thinking of sending this if you think it's ok (put together with help of other posts): Dear Ms Gurnell, Re your letter dated 11th May. I have written to you on several occasions stating that I would only deal with this disputed account by letter, which you ignore, ( also Joe forest & cathrine Blackburn) You are unlikely to get a response from me by telephone as I screen all calls, so a waste of time really. You may or may not know that this account is in dispute as you have failed to send an actual copy taken recently and directly from an original copy of your properly executed Regulated Credit Card Agreement. I was sent a copy that was very suspect, as conditions started at number 6 ! also other discrepancies – so not yet seen a true copy. I am prepared to visit your offices to view the alleged document. In your letter you suggested a home visit from a third party, Please be advised that I am only prepared to communicate with you in writing and therefore, if it remains your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property, and if you do so, then you will be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone to visit me nevertheless. Should it be necessary, I will obtain an injunction.

Hi all, yikes! looks like I've just got a default notice, would someone be kind enough to have a look and suggest what my response should be thanks front page: http://i682.photobucket.com/albums/vv190/2806dreamer/Caponedefaultlettfront.jpg back page http://i682.photobucket.com/albums/vv190/2806dreamer/Caponedefaultlettback.jpg

Hi shadow, thanks for your help will check dates.

back page (hopefully) : http://i682.photobucket.com/albums/vv190/2806dreamer/barclaysmercersletter1back.jpg

Hi all, have just got my first "mercers" letter - default? letter, a little scary! would someone be kind enough to look over it and advise, should I contact them or is there a standard reply, what can I expect next? I SAR'd barclays 2 weeks ago after not getting any joy with the agreement (usual current T&C) thanks links: front page http://i682.photobucket.com/albums/vv190/2806dreamer/barclaysmercersletter1.jpg back page on next post:

still nothing from Bcard yet, but they phone me 7 days a week 8 til 8, I sometimes speak to them but only to say "put it in a letter, I will respond" not that it makes any difference, they have my mobile as well and thats also ringing 4 or more times a day. a bit tedious but needs must etc chris

Hi BRW wow, thats a great help, I will SAR them and take your advise. really appreciate your help. thanks again chris

just noticed that there is no date under "customer" signature, could that be of any help?

letter from halifax cant post with changes for some reason, old one keeps coming back but it is a short letter saying: "please find enclosed a copy of your credit card agreement and the current terms and conditions for the aboive credit card account yours sincerely" thats it appreciate your help regards chris

this is page 1, printed (copied onto) on the back is page 2 http://i682.photobucket.com/albums/vv190/2806dreamer/halifaxcopyofccaletter10001.jpg page 2 http://i682.photobucket.com/albums/vv190/2806dreamer/halifaxcopyofccaletter10002.jpg

Hi all just got a copy of CCA in post will add below, will someone take alook for me a suggest a response, have not bothered to copy the terms and conditions as they are the "current" ones as they say in the letter, but the signed cca, does this look ok? hope not!!! thanks chris will repost letter without ref further down [/url]

thankyou for that citizen b appreciate it

Hi all any chance somebody could take a look and advise on a letter I've got back from cap one see my thread titled Re: claim with capital one cca

page 1 bigger http://i682.photobucket.com/albums/vv190/2806dreamer/cap1noticeofsuminarrears.jpg

and second page