lookingforinfo I was not looking to claim refund (although I would not mind giving it a go) just thought I may be able to claim back any charges, penalties etc. I do not think I have EVER had a statement from them in fact I know that I haven't. I am curious as to: 1) Why can't a debtor get a refund, surely if a DCA cannot provide the relevent documents then they have been taking your your money illegally? Has there been anyone successfully claim a refund from the CAG? What would happen if a debtor asked for a refund & then went down the usual channels, preliminary, LBA etc....would a judge not award the refund due to there being no credit agreement, and would the judge not award the DCA to pay the charges etc..... I just cannot get my head around the fact that these Idiots can get away with what they like, when they like. I know my case is perhaps a little unusual due to the debts being 14 years old, but what about these peeps on here that DCA have been taking there money without the relevant documents, it does seem to appear one rule for debtors and another for DCA. I really would love to challenge a DCA would like to make them squirm, as previously said I was young, niave and vulnerable, when these debt occurred.

Lookinforinfo I wish this site had been in exsistence all those years ago LOL. I was very young and petrified of these DCA, Once the 30 days are up could I send a SAR to IJ even tho they have sent 2 of the debts back tot he original creditor, I would love to know how much I have paid over the years and of course interest I assume, there are charges. Also would IJ have the SAR data as they have sent the debts back? A question for you, (how do we know that IJ did not buy the debt) after all DCA will say anything, especially as they have been taking my money with out having the paper work. assuming IJ have sent the debts back to the original creditors, would they have any correspondence relating to the debts LOL.

Lookingforinfo, Thanks for all your help, very much appreciated, I just cannot believe that I have been paying these Idiots for 14 years:( I have a total of 4 debts from DCA that I have been paying for 14 years, 2 of them are from IJ whom sent me a cheque back for the fee, with a letter saying that they are sending the debt back to the original creditor (Do not believe that for one moment) Just waiting for the 30 days to expire. The other one is with Credit Security, sent CCA via Recorded Delivery, it was never signed for, I did keep the recorded delivery slip, but I must have mislaid the post office receipt. I have sent another CCA request but this time Special Delivery they signed for that this week. I will keep you updated, as I will probably need more advice. My credit file does not show any of these 4 debts, so I have no issue with having to have anything removed.

phonesurgeon, I would personally do nothing, they are trying there usual scare tactics. Without the Credit Agreement, they cannot enforce the debt. When do the 12 days expire? I would be surprised if they took you to court for less than £100. I am not sure on this, I thought that a debt has to be over £200 for it to go to court. I am sure there will be someone whom will able to confirm this.

Lookingforinfo I sent the letter to GPB on 19 Feb and it was signed for on the 20th. They have not replied, to the letter, now do I pay this months payment as we are not 100% sure if this debt was a CCJ or not. For the last 14 years I have paid GPB through my bank with a payment book that GPB issue every so often. 14 years ago these DCA/Solicitors always issued payment books, I have just never bothered to change the payment to a S/O. Of course they have failed to comply with the CCA the 12 days have passed but the one calender month has not expired yet, bearing in mind GPB replied to my CCA request within 48 hours, saying that the debt was a CCJ.

Can anyone hep me draft a SAR to a Insurance company (Esure) I have Legal Protection Insurance with my Home Insurance Policy, I have just been declined for Legal Protection with DAS (what a surprise & nothing more than I expected) but I believe that when I took out the policy in 2005 with Esure, I had a long conversation with the operator discussing what I would be covered for etc. as I knew full well that Insurance companies will try their best not to pay out. I want to send a SAR to Esure as I believe I have been mis-sold the Legal Protection Cover, I want to make sure that I get them to include everything, including telephone conversations, can someone please give me some guidance on how to word the letter.

As I only have the Recorded Delivery Slip,and did not keep the receipt. :mad:The Track & Trace on the Royal Mail site has no sign of it ever being signed for, I will send another CCA request and send it Special Delivery. & I will also send a cheque this time.

Nailpost, I forgot to take a note of the counterfoil number:mad: will I still be able to trace the PO to see if it has been cashed?

Priority the DCA is: Credit Security Ltd Oxford Road Stone Aylesbury Buckinghamshire HP17 8PL Do I send another CCA request, but maybe I should send a cheque rather than Postal Order, then I can see if it has been cashed.

bump

Cheddar, So the fact the Royal Mail site states "not delivered" and I have actually spoken to Royal Mail & they say the letter has not arrived yet, although the las person from Royal Mail said that there was a small remote chance that it would be delivered without a signature. Mmmmm:eek:

I sent a CCA request on 9th Feb, Recorded Delivery to a DCA, I have checked with Royal Mail and it has not been received/signed for. Now I rang the DCA today, the person that answered the phone was a little old man (bless):grin: and he just said "hello" there was no company name mentioned at all. I said I was just calling to confirm that they had received my letter, he replied "yes" I replied "I am only calling for confirmation of a letter that I sent" He said that he did not think he had received it, but as I was on the phone what was it about as we could discuss it now. I said I am not phoning to have a conversation with you I am purely ringing to see if you have received my letter. He slammed the phone down:shock: Now do I have to send another CCA request on the assumption they have not received the original one, or what do you advise I do? Also I find it quite strange that they answer the phone with just "hello" no company name etc.

All of them:D

Thanks Gizmo, I have sent the letter asking for proof etc, & of course recorded I will keep you informed of any progress, I have the other 2 debts with IJ, whom have wrote back o tell me they have no Agreement, they have been taking my money for 14 years with no agreement, they say in their letter that they have passed the a2 account back to the original creditors (I am of the opinion that these 2 debts were original bought from the creditors, in the letter it mentions that any Correspondence must be made to the creditors.....hang on here they have been taking my money and expect me to just go away....mmm I don't think so....I am just waiting for the 12 + the month. When I contact IJ what is stopping them saying they have no records of these accounts as they have said they are returning them.. Thanks for the advice, I do appreciate it.

lookingforinfo, Ok, the Solicitors GPB have already admitted they have no agreement, I would assume that they do not have any CCJ correspondence (I have sent the letter so we shall see) what proof do they have that there ever was a CCJ, as previously said I cannot remember if this ever went to court, although I did find something in the loft that may have suggested that it did go to court...but no court paperwork etc. how could they apply a charge on the house without a) the original agreement 2) no evidence that there was a CCJ. would that really stand in front of the judge??? you tell me LOL;)

lookingforinfo I am about to sent this letter you kindly drafted for me, is this one ok???

I will send a letter today and see what happens. I told myself that I would not come on here until this evening, this place is so addictive, and such nice helpful peeps. Thank you for all you help, much appreciated, back later

Gizmo, Ok do I wait for the 12 days to expire which i believe is today to ask for proof of the CCJ or shall I wait the further month. Is lookinforino's first letter ok to send? All I do not want to happen with this one is to be taken back to court, as my credit file is clear. Do I keep paying the £7 per month to GPB or do I stop?

God this CCJ is getting so confusing:confused: Was about to post the letter that looingforinfo drafted for me..... Ok I thought that I would give the County Court a call to see if I could be sent any paper work for the so called CCJ that I am paying to GPB Solicitors £7 monthly and have been for the last 14 years. I have been told by the court that they would not have any records of the CCJ and they were not computerised back then so all the paperwork would have been destroyed. I told her that I was still paying the CCJ to GPB and they had no paper work either and surly as the debt still had an O/S balance someone must have records. she replied "well we do not have any records going back that far" I asked her what would happen then if I just stoped paying...she "replied that they could not take me back to court as I had already been" I believe that this is not true. please advise Anyway what do I do now GPB appear to have no records and have wrote to Next Retail to see if they have a copy of the Agreement, but as stated in their letter, this is unlikley. GPB state that my contractual liability has been embodied in a Judgement since November 1993, but it appears at present nobody can produce any paperwork.....HELP lookingforinfo, do I send your letter or is there another letter worded differently that I should send. Its a good job I am off work at the moment after having a operation on my knee.

Pleasure, pm me to let me know how things are going & I will keep you up to date. I was very young when I fell into debt & I did learn my lesson, I was petrified at the time, thought that you could go to prison LOL

They are a gift catalogue, mail order, their address is: Ace Preston PR20 2RP telephone number 01254 302222 they are also know as Ace Gifts & Cards & Studio they have a web site I hope this helps

I have no doubt that it will be easy, but there are plenty of peeps on here like yourself that are more than willing to help and guide you through the process to the end. I am always come on here, there is just so much information, I thought that I was reasonably knowledgeable about life until I found this site, but it seems I am only a small fry. I have not started to claim my bank charges back yet although they are only £40 - £50 over the 6 years, but I am going to claim, somebody told me on here they claimed back £65

lookingforinfo, I will send that letter of to Geoffrey Parker Bourne tomorrow, they have already admitted they do not have the Agreement, but as this is a CCJ would they not have had to keep it even tho the CCJ is around 14 years ago LOL

I will wait the 12 plus the month, but just was not sure as they are returning the £1 and assuming they are telling the truth returning them to G & GU. Do I have to send a CCA to GU & G as well or the one that I have sent IJ counts as IJ are the DCA. Just looked at teh letter and it gives no indication that they have requested the Agreement from GU or G just that they are returning them. I am of the same opinion as you I do not think they are going to return them, I think if I remember IJ bought the debt, In fact I have not long had a letter from IJ asking if I would like a reduction to settle;)

I think they are Ace 24ace.co.uk I am sure that they come under Express Gifts are they in Preston PR0 2RP I am sure someone will know for sure.