Yep thanks Rory - been looking this up - even though we are registered with TPS. It says International but no number is left. I have no idea what it is for though only started 2 days ago. 80

Suddenly started getting these - not sure what for. Dunno if it's a DCA or indeed one of those hoaxes which when you answer charge you £10 a minute or something. But the answer phone takes it and it's always a silent call. Anyone else had similar?

Please help guys!

Oh just a thought - I didn't pay the CCJ - the OH did. Even though it was paid within the time limit it still sits on my credit file as unresolved.

Yeah hopefully the wonderous Curlyben will come along soon as he is so clued up with this sort of thing.

YouTube - Alice Cooper Steven Live! Alice Cooper - Steven - listen to it all to get where I'm coming from! I'd be concerned hearing that down the phone!

Telephone Man - Marilee Wilson: I went to my apartment on a Monday at one A-singin’ do lolly, lolly shicky bum, shicky bum Started movin’ in it on a Tuesday at two A-singin’ do lolly, lolly shicky do, shicky do Wednesday at three I called the phone company, singin’: “Hey baby, put a phone in for me” Thursday at four he came a-knockin’ at my door, singin’: “Hey, baby, I’m your telephone man You just show me where you want it and I’ll put it where I can I can put it in the bedroom, I can put it in the hall I can put it in the bathroom, I can hang it on the wall You can have it with a buzz, you can have it with a ring And if you really want it you can have a ding-a-ling Because-a hey baby, I’m your telephone man”

It's not because I didn't know about CCAing at the time of the CCJ. But I do now and wonder if I can still CCA a debt which already has a CCJ on it which has been paid, if you see what I mean? I wonder if by paying part of it I've admitted the debt?

"Get the F@@k Out" - Skid Row "Welcome to my Nightmare" - Alice Cooper "Fiddle About" - The Who from Tommy "Wrong Number" - The Cure "Smoothe Operater" - Sade "I Hate People" - Anti Nowhere League

Any news about if I should CCA Lowells?

I shall be come Monday when I've got some money. Thanks.

If they have not provided a CA they cannot call in the debt - they have to prove you owe the money.

Yes I think this is os - but want to be sure. And I can't afford it anyway so want to try to CA them for it. I've also started getting loads of phone calls from all the other companies who never provided a CA, because it's beginning of the financial year and they've passed it on to new DC's. Anyhow, I'm sure you are right about the CCJ but would love to find out if I can CA them too!

3 Years ago I got a swift CCJ from Cap1 via Bryan Carter & Co, as I was mis-informed by Citizen's Advice as to how to answer it. Long and short, my defence was never shown to the judge, and was awared a lovely CCJ if I didn't pay £250 within a month. It was paid but I later found out the CCJ was on my credit file and down as unresolved. Other day, I recieved a letter from Cap1 in with a letter from Lowells telling me the rest of the £400 odd quid was being sought after and if not sorted asap CCJ papers were being got together. Now, I would normally send a CA request - but as they have already given me a CCJ - how do I stand with all this please? Can I still use the CA request letter to halt everything, then SAR them? Or am I in a sticky position? Thanking you in advance and hello again and sorry for my absence to all my fellow CAGers.

Let's take this slowly. Firstly, whatever happens, do not send the CCS back to Bryan Carter, Fredrickson or Cyclone Assett. Whatever you are advised, you must only send this form and your copy of the CCA request to the Court and do not accept the debt. Second they cannot call in a debt without proving the debt and they certainly cannot take you to Court on this. What they hope is that you will send the form back to them with your defence and they will lose that and say you never replied to the CCS. The judge will be shown you have paid and pass judgement and you will get a CCJ. FACT. Therefore everything you have in your defence MUST only go to the Court. Before all of that you MUST make sure you get this heard in a court near where you live where you can attend with paperwork if required. I suggest you also wait for some of the other people who come here who can advise on the legal stance of the CCS. Hope this helps.

Please see this: http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/127811-interesting-mackenzie-hall-letter.html No contact with Littlewoods since I last bought some clothes around 10yrs ago and don't recall owing them any money.

I've just read this thread http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/125327-phoenix-recoveries-ltd-r.html This Pheonix Recoveries is mentioned on the letter which has a Standing Order Manadate on it. This appears to be Littlewoods and I have nothing to do with Littlewoods. However, I did have some clothes from Littlewoods about 8 or 10 years ago and I don't recall ever owing them money. Now I really am stunned! Well looks like this one is either gonna go poof and disappear or I'll have a huge fight on my hands. CCA do you think?

Thanks for your replies. Just to confirm it's not Littlewoods - I don't have a Littlewoods account. And it is Direct Shop. I am confused and there is no customer account number which I recognise. Thanks for the letter ODC, will send off and find out what on earth it is about. All debts are accounted for with other stupid bods!

I won't say too much now, but this morning I recieved a letter from this lot claiming I owe someone I have NEVER heard of money. Their client is called just Direct Shop - I have never dealt with anyone called Direct Shop. I will in due course CCA them to find out what this is all about. They claim to have been trying in vein to contact me for ages, tis the first letter I have had and no phone calls either. Am confused, but will play the game for now til I know what on earth is going on!

Well, we sorta touched on the possibility of that when we heard Lowells were taking donation calls for that big charity, didn't we! We joked - unfortunately we were closer to the truth than we realised!

Even more reason not to panic - they have to now produce the properly executed Credit Agreement. Until that time, the account is in dispute and they can't move.

First off welcome to the site. The first thing you need to do is remember however painful or time consuming it is - you need EVERYTHING in writing. Maybe CAB can advise of anyone in your area who could help you with letter typing? Secondly, you need to send off a CCA request to Moorcroft to get a copy of your credit agreement. It is highly possible this cannot be found. If so no-one can legally collect the debt. now this bit courtesy of CurlyBen Courtesy of Curlyben First NEVER talk to these "people" on the phone as they will try and get you to agree to anything. Before you even think about making any sort of acknowledgement or payment to a DCA you MUST ensure that they have the LEGAL right to collect the debt. This is achieved by requesting a copy of the Signed, Executed Credit Agreement via a Consumer Credit Act (CCA) request. There is a template letter to be found here: Creditors and DCAs - Letter Templates & Budget Planner Letter N. Is it important to start the letter: I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters. It is best to send this request via recorded/special delivery as there are some important deadlines to observe. After 12 WORKING days the "debt" is in default and stays that way until the request is complied with. If a FURTHER month passes then the DCA has committed a summary criminal offence and the matter should be referred to Trading Standards for action once the DCA continues to demand payment. Also DO NOT HAND SIGN THE LETTER" You must send a £1.00 postal order with this - not a cheque. Write on the back of the postal order what you want the £1.00 used for and keep a record of the number. Send it Recorded Delivery - yes expensive but completely guarenteed to get there and be signed for. Keep all postal reciepts. Forget filing for bankrupcy - you are going to put the wind up this lot!

Sending this off will not make matters worse. You are taking control. As previously said NEVER speak to them over the phone. CCA the DCA and also SAR the RBS at the same time. When you have done this, it is a waiting game - waiting for them to make mistakes! If they do not come up with a properly executed CA they cannot claim the debt. It's not exactly wiped, but no-one can collect a debt they cannot prove is yours.If the RBS do not give you the complete sent of records under the SAR they are in breach too. For a CA send off the letter and a one pound postal order with the reason you want the postal order used written on the back if it - keep the number it can be traced. Do not sign the letter just write your name. Some DCA's have been known to paste peoples signatures from letters onto things illegally. Get the CCA letter sent off and come back and update the thread when you get some or any feedback. Ask any questions you need - most of us have been through this many times before.

Wanted to just catch up with something. I had a CCJ from Cap1 via Bryan Carter just over two years ago. It had to be paid by a certain date - my evidence never got shown to the court so they "assumed" I was working and not a carer on benefits. My OH paid it to stop the CCJ - it was to be paid by 17th of whatever month it was - my OH paid via electronic bank payment from his account on 15th of whatever month and Bryan Carter said they didn't recieve it til 23rd of whatever month. We have proof it left my OH's account on 15th. I never got a certificate of saticfaction and the CCJ sits on my credit rating as unresolved. I desperately want to send in the evidence to get them to confirm they recieved this, confirm the date the money was paid was on 15th of the month and get the CCJ removed. If they won't I know I can take this before a court. However, I know Cap1 were chasing for nearly £600 including loads of interest added on. If I kick up a fuss over this, will they chase me for the rest or slap on another CCJ? Thanks

Edz11 - thank you for the reminder. Its always good to have this mentioned in any thread for the newbies as it's a really easy one for them to be caught out on. Spritigirl - how's you? Thanks for that letter - I was nearly there with it - my CCA and OFT guidelines are a bit rusty after my illness. How are your cases going? Not had time to catch up yet.