Thanks Shane, Yep what ever i get back i will post up images of for the scrutiny of you guys.

Thanks everyone for answering and helping out. Well all letters are printed out and in envelopes waiting for a the postal orders to be purchased tommorrow and then sent on their merry way. So if im right in thinking - if i send them tomorrow the cut off date of 12 + 2 days is the 30th November. after tha date if i have NOT recieved the CCA i can cease payment to the dca legally and with no rights of reply by them ? and then if i still have no CCA after a further 30 days ( making it the 30th december - should i allow longer for xmas bank holidays ?) I can shoot off complaints to trading standards etc Do i have the correct time line and procedure ? What happens if they send a CCA after the 12+ 2 days but before th 30 days is up ? The ONLY slight worry i have now is regardiing the two debts for CL Finance which are held by Howard Cohen and Co solicitors - These both have CCj's on them and im still unsure of the implications of asking for CCa's with these.

Just one last question ( i promise lol) On letter N in the templates should i change all the "WE" to "I" as its only me and not us that are asking ? Can i also include on the same letter a request for copies of statement of acounts and deed of assignment - and if i ask for those will it complicate matters ( am i allowed them even ?) - Would i be better asking for those seperatly if needed ?

Nice one cheers - Ill get the letters sent this afternoon and then as i hear from them ill open an individual thread for each oone to keep things simple. Again, THANKS everyone who has replied

LOL

Cheers for confirming that. reagrding them cutting and pasting your signature - would it be an idea to sign everything by pen BUT make sure that your signature is completely different to the one you would normally use (that is on driving licenses / passports etc) - that way if a CCA did come back it would be very obvious if it had been copied

I would imagine that the vast majority of what is owed is made up by charges - the debanhams cards for example had a £500 limit on them so the rest must be charges and fees One more question whilst i think about it ; What form of payment is better to send ? The way i see it is if i send a cheque they may not cash it, may sit on it etc but if i send a postal order with the companies name on it will that be deemed as money recieved once they have signed for the letter ( as its allready payed for up front and only they can cash it)?

oh and as an aside every one except Wescot for Natwest and First Credit have had small payment plans in place for upto 14 months ( most paying a nominal £5 / £10 )

and another THANKS as i readmore through the forums im getting more questions so apologies in advance. Just read the A short Warning thread and it got me thinking as to what DCA's should have a CCA so i thought id stick up a list and see if there are any that anyone thinks should not be persued. Aktiv Kapital on behalf of Time retail Store card from years ago - approx £300 to pay Bryan carter on behalf of Shop Direct / Kays - approx £90 to pay Bryan carter on behalf of carphone warehouse - approx £65 to pay Howerd Cohen and Co on behalf of CL Finance / Debenhams card - Paying 2 of these off - both around £900 owed and both have CCj's Scottcall on behalf of Littlewoods - approx £90 to pay Lowel Finance on behalf of Creation / Millets store card from years ago - approx £350 to pay Bryan Carter on behalf of Cap one CC - approx £400 to pay Scotcall on behalf of NatWest ( CC or loan - not sure) - approx £1900 to pay Wescot on behalf of NatWest approx £2100 - this one worries me as i believe that this may also being collected by scotcall above ! - No repayment aranged as of yet First Credit on behalf Lloyds tsb CC - £2400 - No repayment arranged as of yet so any opinions on these ?

Thanks again whats with the signature though ? I will follow the advice but just wondering why lol, I was always under the impression that you had to sign to show it was from you - where as a digitally reproduced signature could be done by anyone

Cheers, Paul. Reet, a day of letter writing for me and ill keep you all informed. thanks again. Dave

Thanks for the reply, much appreciated and its set me clearer on a few things. If they did supply the agreement after the time frame has expired what is meant by having to go to court to have the agreement enforced ? Would this just be the court saying " yep, you can chase for that now"; or is it more likely that the DCA would get a ccj or some other kind of legal tie down? Would the process have to start from the begining again with the DCA - ie they contact you with letters saying you owe us X please pay; or would they be able to start further down the process with other tactics ? Effectively should i view this as a payent holiday rather than a write off, of the debt ?

HI - A few questions or you, Im thinking of sending CCA requests off to all the DCa's i deal with. most of them have been fair in the past and set up minimum repayments though a few are beeing reet pains and wont allow me to pay any amount that is affordable. What do you think the outcome would be if i request a CCA of a DCa that i have a payment plan in place with and it all comes back within the 42 days as present and correct? do you think it would make them harder to deal with in the future etc ? Im not overly worried a bout claiming any money back from companies if they cannot provide the CCa but what happens if after the set amount of time they still have not sent the paperwork ? Can i just ignore from that point on and effectively write the debt off ? and finally - a couple of the debts have CCj's on them - is it worth chasing a CCa with these companies or could i make more trouble for myself ? Thanks in advance, WD

CHeers - Just checked out the website link and will give em a bell in the morning to see what they say. Im not overly worried, allthough i probably should be lol, half of me thinks let them go through with it - i wont have a house or anything they can take off me and im off to a new lcontinent and life soon anyway but the other half says dont be silly lol

Hi all. Ill fill you in with background details first. debt of £2400 owed to Lloyds bank - First Credit contacted me in october 06 to say they were in charge of the debt. I sent them a letter offering a ( admittedly menial) £5 a month untill my circumstances had improved when i would offer them more. They rfused the offer and several letters went backwards and forwards along with the harrasing phone calls from first credit each time i offered anything , they refused. In phone calls they were rude etc and after one particulaly bad phone call earlier this year i sent them a letter which stated that although i wanted to pay the debt what they were doing with their phone calls to me amounted to harrasment, i had stated previously only to contact me by letter ( which they said was impossible for them to do) and i also made it clear i was knowledgable on how they should conduct themselves. Anyway - i then heard nothing for approx 3 months untill this morning when a letter arrived from their legal dept ( LCS) with a statutory Demand attached. So, what to do next ? my personal circumstances are as follows - I run a cafe and am self employed i have been doing this for two months now and do not take a wage as at the moment we do not make a profit. I do NOT own the building or anything in the cafe other than £500 worth of food stock as i rent it on a weekly basis. My wife is full time employed as a nurse and what she brings in covers other debts , mortgage etc - we have no savings and we have a 5 yr old child. Between us we have several other debts ranging from 1k through to £50 - all of these have agreed monthly plans and all are being paid up and starting to fall nicely to the point where at the end of this year i should be left with 3 main debts being paid and then this first credit one. We are currently in the process of selling our house and expect it to be gone in the next few weeks, we have no equity so we will not have any extra cash then and we will be moving into rented accomodation asap. On top of that we are emigrating to Australia in a years time once visas have come etc. SO ther ya go - What would you guys and gals suggest my next move with this godawfull DCA is ? Apologies for the essay just thought i should be thorough.