I am looking for advice on what I should do next regarding my debt. I would like to begin cleaning up my credit report and settle some of the accounts I own (most of which have defaulted). I know that these defaults will remain on my credit file for 6 years but I still wish to clear some of the debt. Here is my current situation: Type of Debt / DCA / Status / Balance Overdraft /Moorcroft / Default (30/03/11) / £3274 Mail Order /Lowell / Default (04/01/11) / £1242 Credit Card / Moorcroft / Default (19/10/12) / £706 Credit Card /MBNA / Default (31/07/12) / £1153 Credit Card /Moorcroft / Default (18/07/12) / £7075 Credit Card /Moorcroft / Default (05/10/11) / £979 HP / HFC Bank / Late (2 Payments) / £278 (Moorcroft are currently "acting of behalf" of the original creditor.) I have many issues with this debt. I have sent all OC a SAR request and I am awaiting the documents. I have also sent F&F and CCA requests to each. This is where the problems start. I am almost certain that all will be able to comply with my CCA request at some point. - Moorcroft have not been able to provide a CCA as yet (requested on 31/1/13) for 3 of the accounts but I did get a "reconstituted" copy of my agreement along with a statement of my account and t&C's for one account ( this does not look complete to me?). They did respond to my F&F request on each account. I offered 26% of the debt, they offered 87%. I sent them another letter reminding them of CCA and to reconsider my F&F offer. What should I offer them next? - MBNA have provided me with a) a 'copy of my executed agreements' b) up to date terms & conditions c) copy of my most recent statement (which shows the state of your account). They have not replied to any F&F agreement. Is this acceptable compliance with the CCA request? This agreement has my "digital signature" as it was completed online. - Lowell have not provided me with anything. No CCA (requested on 31/1/13) and not responded to my F&F offer. - HFC have also not provided me with anything. Responded to F&F by requesting proof of income (i.e payslips). Responded to CCA request (sent on 31/1/13) by requesting proof of signature and separate proof of identification before complying and they returned my £1 postal order. I have sent them a letter today (based on a template found here) advising them that I am not required to send this information and asking why they are happy to send statements and other sensitive data to my address but require proof of ID now. Where do I go from here? [Note: all letters are headed "Without prejudice" and state "I admit no debt to your company"] So, my new forum friends, where should I go from here? Does anyone have experience with these DCA's in particular? I know this is a handful, thank in advance for your help. Sven

Hi, I read articles, threads etc. all over the internet about CCA 1974 provisions and that how statutory interest cannot be applied to post judgement debt relating to this act. However, I've just received a settlement figure which has had 8% slapped on it! I've just called the solicitors in question and they informed me that the debt was over £5,000 and and that because it had been through the court system and made final (my understanding of the explanation given), any CCA 1974 provision was overruled and irrelevant. Please could somebody put me out of my misery and explain what is going on.Many thanks for any assistance.