Nco got the CCA and passed to AMEX, AMEX has responded.

I see what you are saying, it was moved to NCO, not sure when but collection activity has come from NCO

american express used NCO Resolve, not sure where you have got AIC from

The documents came direct (registered from Amex)

We have a problem with one of the CCA req that have come back, it is a 15/16-year-old credit card with Amex. The T&C's dated 2002 stamped, and an alleged signed application dated 2003 but wait for this, in someone else name, the signature is definitely not ours however printed name and address are correct. should I write disputing this or reissue a CCA request? thanks for your help..

Hi Guys, I need some sound advise re the two attached docs from HSBC. I sent the CCA request which they received and signed for on the 5/10/17. Is there a time limit for which a creditor has to respond to a CCA request?, as you can see they have ignored the instruction not to use the £1.00 fee for payment of any such debt as it is only for payment of the CCA request. Do I respond to the litigation threat and if so what should I be saying. Many thanks HSBC.pdf

Hi guys, received this, what would you do? respnce to cca request.pdf

I think your right

I do not know who the original creditor is and it is not mentioned on the letter hence CCA request. Heres the first letter that I have recieved. 1st missed payment.pdf

Morning everyone, so finally Epping forest is starting to arrive through the letter box. I am now sending CCA request to DCA's. any advice please.

Evening guys, all s/o now cancelled and we await the forest to land through the post box, in the mean time I've been doing more reading here and need to understand the procedure, if I am right who ever writes from the DCA's I then send them a CCA request and wait for their response, if no CCA then no pay. In the mean time, I have studied the credit reports, interestingly the only one on my partners is Cabot financial but there is no default date on it and suspect that is an error, is it possible to get it corrected? Thanks in advance...

yes, we were both working and had excellent credit ratings, until my partner fell ill that's when it went wrong.

to be confirmed lol

All these accounts are over six years old and have been sold many times, that's why it's so confusing I can see from the bank accounts who is getting the money but I am unable to identify what it relates to.

Shockingly I don't know who owns all these debts they are just s/o out of the banks to different companies. Should I stop them all and wait for the letters? Partners Debts are: 3000.00 HFC BANK OWNED BY UNKNOWN 1200.00 JOHN LEWIS OWNED BY JOHN LEWIS 5000.00 HSBC CC OWNED BY RMA RESOLVE 7200.00 BARCLAY CC OWNED BY CABOT 3000.00 AMEX CC OWNED BY AIC 2000.00 VIRGIN CC OWNED BY METROPOLITAN MY DEBTS: 12982.00 BLACK HORSE OWNED BY TBC 5773.15 SAINSBURY CC OWNED BY ARROW GLOBAL 2500.00 VANQUIS CC OWNED BY TBC 1060.00 NATWEST BANK OWNED BY TBC 900.00 AQUA CC OWNED BY TBC 300.00 ELEPHANT INS OWNED BY TBC 250.00 T MOBILE OWNED BY TBC

Thank you for quick replies, I will go away now and compile an up to date lists of debts, can you confirm, what is the difference between statute of limitations and unenforceable, I have always paid the £1.00 to all of the creditors I am unable to go down the statute of limitations route, what is the unenforceable route, what does it really mean?

Hi everyone, been searching through the forums looking for answers to my debt worries, my head is swimming with information. My story starts approx six years ago when due to ill health of my partner I gave up work to look after her, unable to feed herself or do just the basic things that you and I take for granted, our lives changed rapidly for ever and with this came the debt worries so I was able to freeze the interest six years ago and begun paying the nominal £1.00 for each debt every month. Slowly but surely this year most of our creditors have dropped off the credit files with me having just two left that come off in May 2018, and my partner has just one left. Could you advise on this: 1.My partner's credit file shows just one creditor left on her file but there is no default date, therefore, I assume it will stay there for ever unless settled. it is shown as being owned by a DCA. and not the original creditor. How do I proceed to get it removed? 2. Assuming that all the creditors are gone from our credit files ie all older than six years do we continue to pay the £1.00 for ever to the DCA's or can I stop, I have never missed the payments with the DCA's are the debts un-enforceable now? we have no CCJ or been to court I presume because of our circumstances. I thank you in advance for your help.

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Michael, please give me link to make a donation Gazzard..

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Edited

Depends on your directions

I have to say mate It looks like I will reject our situations look very similar. Have you found any other threads in this situation. Gary...

interesting reading parkvale. I am considering very carefully, but keep looking at the big fat cheque... Gary...

Thanks Michael, Nattie, So maybe I will ring on Monday and mention the out standing fee and ci, what do think the chances are of a judge striking out their defence and giving me judgment on the claim including cci. Gary..