Just as a matter of interest, if its for a loan agreement, does the 6 year clock start from the date of the last payment, 6 years after the default notice was served? Cheers N

Can anyone help? Thanks NIck

Can anyone help? Thanks Nick

Hi I have a quick question. I have put in a request under Data Protection Act for a Subject Access Request to a company that offers rewards. I signed up with them to collect points in 1992. Although the account is still in use they said that they no longer have the original agreement on their archive. For clarity, they are not providing credit, I earn rewad points which I can redeem against items. How long are they suppose to keep my original agreement for, given the account is still active? Thanks NIck

Yes, sorry the agreement. I need the agreement (I signed) for the reward scheme. Are they required to keep the agreement for the life of the time I am a member? I am after the orginal agreement - not the one which has been updated over time. Thanks! Nick

Hi I have a quick question. I have put in a request under DPA for a SAR to a company that offers rewards. I signed up with them to collect points in 1992. Although the account is still in use they said that they no longer have the original application form on their archive. For clarity, they are not providing credit, I earn rewad points which I can redeem against items. How long are they suppose to keep my application form for, given the account is still active? Thanks NIck

Can anyone take a look at the agreements and see what they make? Thanks! NIck

Thanks for that. And the agreement themselves, are they watertight? Cheers Nick

Oooops - done! Nick

Ok, he has made the application to set aside on 2 grounds: 1) Does know what debt is (and their stat dec has the wrong agreement date on it) 2) Has not complied with rules, ie not tried other methods. He CCA'd them and asked for statement, default notice, terms. He did get it back within the 10+2 days, but they havent sent the default notice. I have uploaded the documents he recieved. I have blocked out his info. He has signed the agreement in 2 parts where it says debtor. However, how can they sell a car they charge £10k (almost) for £600??!! Thanks in advance for help! Nick

Ah - and it wasnt sent recorded or anything...... So I need to get my friend to ask Advantage how it was served? Yes I know its a little late to set aside but he only gave me all the paperwork yesterday! Nick

Hiya Its dated 13/5/09 but dont know how it was served, he gave me all his docs yesterday. Actually there is an envelope franked 13/5/09 with 36p so I would assume 1st class post NIck

Ok - will get get the CCA off and will post when he recieves a response. Thanks! NIck

Issued by them yes - signed by legal practice manager at their own address. Am I correct in thinking the old rules to consumer agreements have changed now, regarding being unenforceable? Cheers Nick

Advantage Finance Ltd Thanks NIck