Wow this is frustrating. I am on reduced payments through the CCCS to help gain control of my debt. I have received no reply at all to my CCA request and sent a follow up letter which I have had no response to either. Soon after sending the CCA request I got a letter from a debt collection agency saying the debt had been transferred to them. The CCCS wouldn't transfer the debt to them and my monthly reduced payments have continued to go to AA Finance. When I received a telephone call from the debt collection agency I explained the account was in dispute and heard nothing for a couple of months. In the meantime AA failed to provide the required paperwork and I rang the CCCS and asked them to stop payments to AA - they refused! Even after insisting I wanted no further payment to be made they said that as I was making payments that was in itself an acknwledgement of the debt and I would never win in court. I did explain that as long as payments were being made AA would never provide what was requested, they advised me instead to complain to the ombudsman and OFT etc and I may receive compensation, they felt this was my best option. I have today received another phone call from the debt collection agency who have said that since i have paid no payments to them the next step will be a knock at my doo, I explained that token payments had been made direct to AA Finance but they said that since no payment was made to them the threat still stood. Please can someone help me as to how I should deal with this - there are so many people involved I'm not sure how to approach this. Many Thanks For Any Help

I've now received my statements from Barclays, have gone through them, made up my spreadsheets etc. What I need help with now is can I claim back the monthly account fee they have charged which started out at around £6 per month and went up to £11. Initially i wanted an overdraft and they said I could only get the facility if I upgraded to this additions account (I have no proof of this though). I already have the letter ready asking for my bank charges back, if I can claim back this monthly fee do I just add this detail into the letter with a copy of a spreadsheet detailing the monthly fees? Thanks in advance for any advice.

Thanks, that does help in deciding what to do. Next step then I'll send a letter advising of the offence committed and attempt to trade. Hopefully, I'll get a response to this letter. Your help is appreciated.

I hope I'm posting this in the correct place, still new to this. I sent a CCA letter to AA Finance for a loan I have following a number of issues. I duly waited the 12 days, and then waited a further 40 days and I have received nothing from them. I have read numerous threads which say that the debt is unenforceable if they don't produce the copy of the agreement but can anyone help me as to what I quote in a follow up letter to them and do I stop paying them anything - at the moment I am paying reduced payments. I know I should also report this to Trading Standards and I have got a copy of a form to fill out to do this. Please any help would be apreciated.

Thanks to all for sending the link - hope we can now get what we need.

I'm new to using a forum, but as I've spent a fair amount of time reading other peoples posts thought I should get involved also. I've sent my SAR to Barclays, received an acknowledgement promising to supply the statements within the time allowed but have not received anything, the 40 days allowed have now passed. My next step will be to read through the forums/templates library to find a follow up letter I can send them. As you can tell I'm in the early stages of the process and new to this - typical, I can't even get the statements out of them! I've got a long way to go.

Thanks for the support, it does bring confidence.

Thanks, it gives a boost of confidence just to receive your response - time to get started.

I've been registered a little while but have spent some time reading the processes and experiences of other members. I have started the process of claiming back my bank charges from Barclays and LloydsTsb - there are a couple of others I could pursue. At the moment I have also sent a CCA letter to AA Financial Services, as following a period of sickness and claiming on the payment protection insurance they insisted I had missed payments and applied charges - which I disputed. I'm new to this and I'm determined to get my money back but I'm not exactly legally minded so hope I can count on the support of others out there.