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I had a CC with RBS in the 2000s.

I requested copies of the alleged agreement several times but to no avail.


Last contact with RBS was in 2010 but confirmed to a DCA in 2014 that I had made several attempts to request copies of any such agreement and confirmed that no such evidence had been provided and for them to stop contacting me which they did.


Then recently I receive a letter from another DCA stating the usual crap.

I informed them any alleged debt is Stat Barred but they have written back stating it isnt stat barred.


They allege the letter in 2014 was an acknowledgement of the debt but I have a copy and it certainly wasn't an acknowledgement of the debt merely confirmation that requests for alleged docs had been made. Anyone else had similar

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never seen them raise a court case whereby a letter was used as Ack'in the debt

stop fretting.



as long as they have your correct address

please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



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