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someonenew

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  1. Just by chance I checked my credit card statement and noticed that a company called CPP had taken a payment. I had no idea who they were as this is a 0% card which I dont make purchases on. The short story is that I contacted HSBC who told me to call CPP. After lodging a complaint as I didnt know who CPP were and asking them to cancel the policy I received a letter today saying I should contact Barclaycard as it was them who apparently sold me the policy and to assess if I am due a refund. Apparently I agreed to this policy in 2010, I have no recollection of CPP or any type of card protection as I know it isnt needed. At this time I was at a previous address and CPP stated that they had sent me a renewal each year but to my old address and it was my duty to inform them if I moved. I have no idea how I could inform them if I didnt know that I had a policy or even if I did I would have thought it was through Barclaycard and not CPP. Now if I did purchase this through Barclaycard and they used CPP for the product surely it would have been Barclaycard who should have informed CPP of the address change when I moved to my current address as I wouldnt have known that it was CPP providing the service. Im now prepared for a to and fro between the two
  2. Received a letter today from TBI stating that the original lenders are unable to provide a copy of the original agreement and the account has been closed. Many thanks to all who helped point me in the right direction, shame I didnt act sooner but it still feels like a victory.
  3. I guess if they have a legitimate claim they'll have my address and write, don't owe any utility companies anything AFAIK.
  4. So just to ahead with the CCA as planned I guess. Had a call from Buchanan Clark and wells about some utility company, asked me to confirm some details for security but flatly refused until he gave me more info, he just put the phone down. I got a head cold so my mind is running on gibberish
  5. Just been reading up on statute barred and it would appear that as I have made payments recently this debt is not statute barred. anyone clarify this?
  6. May or may not be of interest but the new reference/account number they provided is oddly similar (as in incorporates) the old account number from Merit. Hmmm....
  7. Ok, received a letter today from TBI Financial Services in Reading stating Then goes on to say all payments due to them and that they have enclosed a payment form etc, etc. Should I send them a CCA request the same as Merit? Thanks
  8. They must be doing the rounds at the minute, got a text from them as well today. My "debt" from MeritForce has apparently been passed on so Im guessing theyre something to do with it.
  9. Received a letter from Merit Finance today containing the following As they had my previous address at the time this may well have been the case but they stated the previous address they were sending correspondence to as my parents, who AFAIK have received nothing. A quick google of TBI brings up nothing but forum posts about them in the same way as Merit Finance seem to act. Any advice is appreciated
  10. Nothing else has turned up so the dispute letter is on its way.
  11. Found this on another site, with a bit of editing to my situation I'll use this unless its out of date. Only sending after the 12+2 has expired just in case anything shows up after.
  12. Ok. So just simply stating that or anything else?
  13. Received a letter today from Merit Finance LTD simply stating the following. "Please find enclosed for your attention a statement for your account" Obviously with the statement. Nothing related to finance agreements etc. Next step?
  14. So in other words 14 working days. I make that the 22nd January, correct me if Im wrong.
  15. Just checked with Royal mails tracing and it says delivered and signed for. Is the 12+2 12 normal days including weekends + 2 working days? Need to work the date out for whatevers next
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