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Following recent advice here i sent a CCA to all my debts


This was one of the debts


All debts not on CRA file


Got a response from Original debtor saying thank you for your letter we do not need to supply the requested info as the account is closed and paid in full. (very unlikely)

Even more odd the letter is addressed to me with correct account number but they have some one else's name in the Dear xxxx !


Today a letter form CSL states further to our recent communication our client is prepared to offer a reduced settlement !


Any ideas on a response ? or should i take letter from original as enough and do nothing more


Any advice appreciated


I can post up the letters if needed

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All I can say is 'HUH'!!


A DCA writes to you with their puerile demands. You send a CCA to the DCA and you get that reply from the Original Creditor.


Personally, I would send the DCA a COPY of that letter and them them to politely foxtrot oscar

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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If all debts are off CRA file then they will be pre 2006 CCA amendments so I would concur tell them to politicly get stuffed. As in sod off pleb



cannot find it A to Z





Halifax :D

Paid in full £2295


MBNA:mad: 20/03/2008 settled in full out of court


Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs


Littlewoods :-D

12/08/2007 write off £1176.10 debt.


JD Williams charges refunded in full £640

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Sorry to high jack this thread but does anyone have an actual email address for these jokers as they keep calling me for someone else.


Thanks - Lee.

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Jut tell them to foxtrot oscar, then report them to the OFT/TS and ofcom.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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