No, the DCA have never written to me at my new address. I haven't got access to the paperwork right now but it must be at least 5 years old ( iknow 6 is the magic number!) but will confirm this at a later date. The address that the DCA wrote to is my permanent address but Im in Scotland at the moment looking after my disabled aunt and have been here for a few months now. My neighbour collects my mail and sends it on to me every couple of weeks but she was on holiday for 2 weeks therefore I got a months worth of mail yesterday.

I have just found out that I have had a CCJ awarded against me. The claim form was sent to an address at which I no longer live. All the mail was forwarded to me which I received yesterday. In this mail was the claim form. I tried to defend it this morning but found out that judgement had aleady been made against me. This is for an extrememly old debt and I have already had dealings with the DCA regarding proving the debt is mine, which they have never been able to do. What can I do now? Thanks Spot

Hi Dave, For some reason I can't get a hold of the info for Norwich and Peterborough BS. I can get the info for all their subsidiaries but not them. Will try an alternative method and report back soon. Spotnot

If you are really struggling to make the minimum payments, write to your creditors and ask them to accept lower payments. As you have no real issues with any of them at the moment, you might be pleasantly surprised by their responses. The template you need is here: http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html and use letter B. Please take the advice of those here who are much further down the road than you and have a wealth of experience. Try this first and if the creditors don't agree at first, come back to us and we can advice you what to do. Good luck Spotnot

Ah, the elusive Mr Edwards who doesn't actually exist!! CCA them, the template is below http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html It's letter N. Don't sign the letter, just print your name. DCA's can get, well a little creative shall we say when it comes to signatures!! NCO are under investigation at the moment by Trading Standards so if they don't comply with your request, report them to TS. However, at the mo, send them the above letter and see what they produce. Spotnot

Cos that would be the sensible thing to do. I would send them the same letter that you sent to IJ. CCA request still in dispute after all!! Spotnot

Two bit company which made a £200k loss last year!! Ignore them until you get the next threat-o-gram then post here so we can help you further. Spotnot

No one will turn up! Its just a scare tactic. If you do a search for NCO Europe you will see that Mr Brown(?) will be calling on at houses all over the country at the same time on the same day. Don't worry about it. Can you give any more detail on the debt and we can help you get rid of NCO for ever. Spotnot

As far as I can remember, the CSA will issue him with an estimated amount to pay, usually far in excess of what he will actually need to pay. This usually invokes a response. If the CSA have his NI number they can eventually take the payments straight from his wages. However, unless you badger the CSA on a regular basis, you won't get very far. This is what happened in my case although it was a few years ago and things may have changed. But if they can't enforce payment, what is the point of the CSA?

I had this problem with my ex. He has maintenance taken from his wages but his employer wouldn't pass it on to the CSA. Eventually the CSA took the employer to court and they were issued with a £2,000 fine for every time they didn't send the money in. I get it on time now! (However, it did take 12 and a half years to sort it out!)

Hi Welcome to CAG. First of all, NEVER speak to a DCA, they will lie to you, threaten you with all sorts of nonsense. What you must remember is that the DCA monkeys work on a commission basis. The more money they get from 'clients' the more they earn, and they will stoop to the lowest levels to try and get you to part with your money. So now just wait until you have something from them in writing. If they keep phoning you, send them this letter. http://www.consumeractiongroup.co.uk/forum/letter-templates/131250-dca-creditor-harassment-telephone.html If you do answer a call from them, don't give out your details ie DOB etc, just repeat, 'ONLY IN WRITING' and then hang up. Moorcroft are well known in these parts and if you search for them you will find many threads and how they can ge defeated! Good luck, get reading and start feeling stronger. By all means loathe the DCAs but never fear them!! Spotnot

There are plans afoot regarding a certain Preston DCA. However not too much more can be said at the moment...........trolls are about!! Also on another note, HMRC are conducting various investigations into certain DCAs. Again as I am involved with this, not too much can be said, but rest assured, things are happening............... Spotnot

I've recently had a meeting with Trading Standards and happened to mention NCO Europe to them. The reaction was quite spectacular to say the least!! 'Biggest bunch of idiots to ever walk the face of the Earth' was one of the many phrases uttered by the gent from TS. The Preston TS is inundated with complaints against them and they have said that they have no choice but to act on the complaints. So if you have had any trouble with NCO Europe, please, please contact Preston TS at the address below. Steven Brimble, Lead Officer, Lancashire County Council, 58-60 Guildhall Buildings, Preston, PR1 3NU Spotnot

HSBC have 130 CCJs 103 in the last year. They have 106 unsatisfied CCJs totalling £275k.

You do?? Ah well, nothing is secret in the world of finance!! Except how banks arrive at their charges! Seeing as it is Friday and my boss is away, I'll do a bit more digging and see if I can find any more CCJ's Thank crunchie its Friday!! Spotnot

Exactly!!

Got next threatogram from Moorcroft detailing just how much it will cost to go to court. At the bottom it states " we have confirmed with a major public utility company that you live at the above address" Hmmmm.......well considering this letter has been sent to my address but with my mates name on it, how can they confirm anything???? Silly, stupid people!!

Alliance & Leicester 98 (73 in last 12 months) Co-operative bank 15

Thanks for clicking the scales!! I've got 4 green blobs now! Spotnot

Just an update of some more banks Northern Rock 2 Bank of Scotland 13 (all in the last 12 months) MBNA 7 Citibank 14 Will post more when I get the chance. Spotnot

Natwest have 320 (182 in last 12 months) 289 unsatisfied totalling £590,713 RBS have 82 77 of which are unsatisfied

They have 11 CCJ 3 unsatisfied 8 satisfied

You can get a CCJ set aside after it has been issued. I am currently going down that road on behalf of a friend who is too ill to do it himself. If Amex added charges to your account the amount on the CCJ will be wrong. That in itself is grounds to apply to get the CCJ set aside. I need to sleep now but I will look into this further for you and will post more tomorrow Friends?? Spotnot

This is detracting from the original thread. If you want help in getting the CCJ set aside, start your own thread and there will be plenty of people willing to help. If I have insulted you, I apologise

Not retracting anything. If you have read enough of the threads on this site, you will know that RMA/NCO are pretty hopeless. If they got as far as getting a CCJ against you then you didn't do enough research. Anyway, there are various ways you can get a CCJ set aside. If you want to go down that route, let us know and we can try and help.