find a moderator. When you go to theopening page of the site, scroll down and you will see a list of all the members currently on line. Some of the names will be in green. Click on any of the 'green names' and send them a pm (personal message) Hope this helps Spotnot

Got a reply back from Mr McLean today, stating that they were not wiling to pay any more cos they have offered 100% of the charges back. Fair enough they have, but the amount of hassle, upset and stress these charges have caused have put a great strain on my dad. So I am still very tempted to go to MCOL with the full claim. Wish me luck! Spot

But if the DCA can't prove that they own the debt, how can it go to court?

Take them to court. Do you have anything in writing where they agree to move the default? You need to send them a letter stating they still have not removed the default despite their promise. If they don't remove the default within 14 days, send them a Letter before Action. Use the first letter as a template stating that you are disappointed that they have failed to respond to your letter and that if they don't respond satisfactorily you will take them to court. There are many threads regarding removal of a default. A good starting point is here. http://www.consumeractiongroup.co.uk/forum/legalities/20118-default-hell.html Good luck Spot ps I agree that what makes it all the worse is that its really your ex's debt!! Been there!! http://www.consumeractiongroup.co.uk/forum/legalities/20118-default-hell.html

Now I was under the impression that they couldn't pass a debt on. Correct me if I'm wrong, I'm always willing to learn. The original creditor has your permission to pass on your details to 'any relevant party'. It'll be in the terms and Conditions. Now if **** didn't have the agreement, they didn't have permission to pass your details on. You have signed nothing with ****, no T&Cs. Of course, what might have happened is that they have referred the debt back to Lloyds (am assuming its Lloyds) and they have passed the debt to Allied International.These idiots will probably have bought the debt, so its worth sendiing them a CCA. Chances are they won't have a copy of the agreement. Have you received a default from the original creditor? Spot

If you are sure that its over six years old and you have had no correspondence or made contact with anyone regarding this debt, then the debt is indeed statute barred. The DCA will know this but are probably just trying their luck. Check your credit files and make sure that the DCA hasn't placed a default on your file. You can either ignore them, or you can use the 'Statute barred debts' template in the stickies. Will find the link. http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html and scroll down to letter M

By rights they should go to court to get the credit agreement 'activated' again. However, this won't stop them from harassing you. You could always write to them and tell them that they are in default and that they need to go to court to get the order enforced, or just let them dig a big deep hole. If they try to take you to court for the money, they will look pretty stupid when you mention the default!

Have received all statements for one account from Lloyds. Sent prelim on 21 December 06. Got usual 'we are sorry that you are unhappy. We provide a service, we don't charge you penalties' letter. So LBA sent off today. Am claiming £527 in charges and £240 approx in contractual interest. Also sent today, non compliance of SAR. I only received statements for one account, not the three I asked for. One is a (closed) joint account with my ex- husband. Does this cause any problems? Spotnot

Will look into this company for you in the morning. It would seem highly unlikely that there is a parcel waiting for you!! Its a ploy used by debt collection agencies to verify addresses. Expect a snotty letter in the post soon (assuming your OH confirmed your name and address). Spot

Have just emailed Mr McLean along the lines of ' Thank you for offer....will accept as part payment.........want rest or going to court.......I know you are a busy man so in everyone's best interest please settle in full......Many thanks' So now I await the response.

Its not just the Dormants I'm after, its the 'non trading' ones as well. All proof is good proof!!!!!! Spot

**** are next on my hit list!!!

Am doing the bank charges reclaim for my dad. We have worked out that RBOS have taken £2,357 in charges. Being brave I decided that we should also go for contractual interest. This came to just over £1,600 (thanks Vampiress for the spreadsheets!). Sent the prelim letter on 20 December, sent LBA last Saturday (late I know but life gets in the way sometimes!!). Dad got a reply this morning from RBOS offering him all his charges back, but not the interest. Very quick response and to get such an offer at a relatively early stage is rather unusual. Anyway, the debate going on in my Dad's head is whether to accept their offer (£2,357 he didn't have before. More than enought to have a fab time @ Glastonbury), or whether to reject the offer and go for the interest as well (extra £1,600 but might not be available in time for Glastonbury. My gut feeling is to go for the whole lot and reject this offer. Any thoughts?? Spotnot

The ones that aren't listed are usually businesses, not companies. Difference is that companies have to register their details with Companies House, businesses don't. Many of these companies are solicitors who very often are set up as businesses. I am trying to get as much info as I can regarding these businesses and will let you all know as soon as I get any info. Spotnot

Here's the link. Scroll down to letter N http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html Spot

It is the debt recovery arm of Littlewoods Shop Direct. It is also a non trading company. Does the letter state you have to pay them, or Littlewoods? Spot

Can't offer much help but if you post on the Telecoms forum, those with infinitely more knowledge than me will be able to help. Good luck Spot

It means that there should be no business activity through the company. They should be receiving no money through their accounts. If they act on behalf of someone else (in this case Bank of Scotland) their trading status should be 'agent'. This is one of the companies that will be investigated. Please, if anyone has any correspondence from them, please pm me!!! This is urgent. We can fight against these DCAs and let the tax authorities deal with them! Please, please let me know if you have any correspondence from any dormant DCA.

I have spoken to the relevant authorities about these companies. They are very interested in pursuing this further. I need evidence however. If you can help with anything at all, eg letters from DCAs listed as dormant, proof of payment etc. You can hide all identifying details. Please pm me if you can help. Spot

Blair Oliver & Scott are listed as non trading. In their accounts it states that they have not traded throughout the year.

Firstly, if you are really worried about identity theft, check your credit file and make sure that nothing else untoward has been happening in your name. Next send a SAR to Tiny computers. They will have to send you everything they have about you. Finally, ignore BCW. If there is a debt, its beyond the six year and cannot be enforced. Don't phone them and if they hassle you there is a letter you can send them the ' Telephone harassment' letter found in the stickies. If you really wanted to, you could send them a letter stating that they cannot enforce the debt etc due to the six year limitations, but to be honest, they know that they are trying it on and don't need reminding! Spotnot

Contractual interest is the interest that the bank charges you for borrowing money. eg 17.9% etc for authorised overdrafts. Contract law basically states that what one side of the contract can do, the other side can also do, so these banks have 'borrowed' your money, ie by taking these charges so you are entitled to charge them interest on their borrowing. As i said previously this interest can add quite a bit onto your claim. As for someone else using your card, have you contacted the bank and the police? The bank will refund you if you have a crime reference number and should certainly not be charging you!! Spotnot

Would anyone with any definite proof that these 'dormant' DCAs are sending out letters and receiving payment please pm me with the details. I am in a meeting next week with people who are most interested in these companies! The more proof we have, the stronger the case against them will be. Spotnot

It probably means that they did not have the original agreement, have bottled it cos you challenged them and hey have sent to debt back to B'card. So no they have not complied with your request.

Hi Tree, The Gresham street address is their registered address. Its as valid as the Chiswell street one. However as you already have your statements you don't need to send a SAR. The first letter you need to send is the Preliminary letter (found in the templates). Don't forget to include your schedule of charges (use Vampiress's spreadsheets). Are you claiming contractual interest? This can add quite a bit onto your claim. Spot