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In a nutshell, been on a dmp with CCCS for years now, the biggest main debt owed to Natwest for a personal loan taken out around 12 years ago, total owed to date around 21k, sore point this loan, as we feel Natwest borrowed irresponsibly, always calling us in for "customer reviews" and telling us our best option was to re-do the loan, they always (very under handedly) put loan protection on it too, telling us to cancel it and get the cash refund from it (this was obviously done so the staff were seen to be selling policies and hitting targets) dont get me wrong, no one forced us to sign for re-doing the loan, but feel that if Natwest hadn't made us feel like it was what was best, then our financial situation wouldn't be half as bad as it is!
They allowed my husband (then partner at the time) as a single unsecured borrower to constantly up the loan to a total of 20k, gave him 2 overdrafts, 2 credit cards.... all on a wage of 15k....
Anyhows.... We paid the loan for years at the monthly rate while all was ok and we still banked with Natwest, then went with the CCCS in 2006, so continued to make payments through our dmp to them of around £40, then they passed it to intrum justicia, so the payment went to them monthly, then they must have sold it to CrapQuest, and when I started getting their letters, with a higher balance than I thought we owed, and their constant daily hounding phonecalls, which I never answered, *I mentioned it to my brother, who said I was a fool paying any creditors a penny who hadn't provided me with a cca proving they have the right to collect, so I stopped cccs making any further payments in respect of the loan, and fired up a cca request letter, DIDNT sign it, sent it to CrapQuest, got a bullshit letter back saying they couldnt proceed with my request as I hadn't signed the letter, so I sent back a letter I found on a forum stating that I do not have to sign blah blah blah.... They then wrote back saying the account was on hold while they try to obtain a cca for the account off Natwest, ....... all was quiet for a few weeks, gets a letter off Natwest, unfortunately they are unable to obtain a copy of the original cca, but as the loan was taken out before such a date (and some other bull) and that they dont have to provide me with it, that the debt still stood??????......... dont know if this is true???
No CrapQuest letters for a few weeks....up until end of last week, one arrived from a department called HL Legal now saying arrangements are being made for doorstep recovery agents Scotcall to visit *to compile a property/asset report to assist *in any possible future legal action, it also says they will add charges to the account..... Didnt think they could add further charges to an account thats in dispute (no mention of course that I've requested the cca, and they are unable to provide it) ....... I know this is probably just another scare tactic, but it is still horrible receiving them none the less!!
*......god forbid if anyone does call cos I'll rip their fookin head off the way I feel at the minute!!! 
*
What should I do now???.... Just ignore them, or should I send a 2nd letter stating that I have requested a copy of the cca, they have failed miserably in meeting this request, and as it was well over 3 months ago they are now committing a crime in chasing a debt that is clearly un-enforcable......... aaarrrggghhh....... I . HATE . CRAPQUEST!!!!!!!
They allowed my husband (then partner at the time) as a single unsecured borrower to constantly up the loan to a total of 20k, gave him 2 overdrafts, 2 credit cards.... all on a wage of 15k....
Anyhows.... We paid the loan for years at the monthly rate while all was ok and we still banked with Natwest, then went with the CCCS in 2006, so continued to make payments through our dmp to them of around £40, then they passed it to intrum justicia, so the payment went to them monthly, then they must have sold it to CrapQuest, and when I started getting their letters, with a higher balance than I thought we owed, and their constant daily hounding phonecalls, which I never answered, *I mentioned it to my brother, who said I was a fool paying any creditors a penny who hadn't provided me with a cca proving they have the right to collect, so I stopped cccs making any further payments in respect of the loan, and fired up a cca request letter, DIDNT sign it, sent it to CrapQuest, got a bullshit letter back saying they couldnt proceed with my request as I hadn't signed the letter, so I sent back a letter I found on a forum stating that I do not have to sign blah blah blah.... They then wrote back saying the account was on hold while they try to obtain a cca for the account off Natwest, ....... all was quiet for a few weeks, gets a letter off Natwest, unfortunately they are unable to obtain a copy of the original cca, but as the loan was taken out before such a date (and some other bull) and that they dont have to provide me with it, that the debt still stood??????......... dont know if this is true???
No CrapQuest letters for a few weeks....up until end of last week, one arrived from a department called HL Legal now saying arrangements are being made for doorstep recovery agents Scotcall to visit *to compile a property/asset report to assist *in any possible future legal action, it also says they will add charges to the account..... Didnt think they could add further charges to an account thats in dispute (no mention of course that I've requested the cca, and they are unable to provide it) ....... I know this is probably just another scare tactic, but it is still horrible receiving them none the less!!
*......god forbid if anyone does call cos I'll rip their fookin head off the way I feel at the minute!!! *What should I do now???.... Just ignore them, or should I send a 2nd letter stating that I have requested a copy of the cca, they have failed miserably in meeting this request, and as it was well over 3 months ago they are now committing a crime in chasing a debt that is clearly un-enforcable......... aaarrrggghhh....... I . HATE . CRAPQUEST!!!!!!!
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