Can anybody help?? Please??

remember me??? just had a reply from Style after i posted the cca letter on 11 june!! the 1st line of their letter says - ''Thankyou for your letter dated 11 June 2008, which was recieved into this office on 11th July 2008'' The date on this letter is July 25th! They have sent me an unsigned copy of the CA with ''copy'' stamped on it (no signeture) that also has a section saying ''Notice of Variation February 2008'' My account goes way back than that date! It also says ''your written request for information made under s78 (1) of the CCA must be accompanied by payment of a fee of £1, which we have recieved & has been applied to your account accordingly'' My CCA letter said under S189 of the CCA 1974???didnt know if this is important?? ''our records show that there is still a balance outstanding on the above account. As you are aware, your account is currently being managed by our Debt Recovery Dept. Therefore, you should contact them directly to obtain details of your required payments to settle your account. I can confirm that your account has not been sold.'' They give me a phone number but i dont want to ring them & i cant afford to settle. On top of this they have continued to add interest of around £18 per month when our payment agreement is £5 per month!! So the debt is going up & up!! sigh sooo how do i respond, are there any template letters i can use?

ok 3rd statement in a row that has charged me £18 interest on my £5 a month agreement!! I have printed off a CCA letter: ''Dear Sir/Madam Account Number: - ....... With reference to the above agreement, I request that you send me a copy of this credit agreement. I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00, which represents the fee payable under the Consumer Credit Act. I understand a copy of my credit agreement should be supplied within 12 working days. I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. Please note that I do not acknowledge any debt to your company unless, or until, a true copy of the signed executed agreement is sent to me, together with proof that the alleged debt has been legally assigned to yourselves. I wish all further communications in writing; phone calls will be considered harassment and will not be answered. If they continue I will make a report to the relevant authorities. I look forward to hearing from you Yours faithfully Should i put in the letter to refund the interest charges too? or should that be a seperate letter. or should i not mention it & wait & see what happens with the CCA ?????

update recieved a statement not long after above letter - no interest refunded recieved this months statement - added another £18 interest!!! on top of the other £17!! i can do the CCA thing, (have the template letter) but am wondering if they would have the agreement being as its not with a DCA? dont really understand these or how to word it in a letter: dont know what a SAR is or how it works either. i dont want to write & get stuff wrong! Help please - if i'm paying the £5 a month arragement & their adding nearly £20 a month interest it'll be never ending

This letter sound ok? With regards to recent letter dated 21st April 2008. At present my circumstances have not improved therefore I am not able to increase payments or pay arrears. I have enclosed a financial statement. Payments have been made regularly over a long period of time, so I was surprised by your letter. I have several accounts with CL Finance (see financial statement) which I pay together by check and have not received any such letters regarding other accounts, which are all paid at the same time. After I checked the accounts it appears that the above account has an earlier payment date than the rest. I make payment as soon as wages are received so cannot pay any earlier. If it is possible to amend the payment date to around the beginning of the month I believe this will sort the problem out. I wish all correspondence to be in writing only. I hope this can be rectified quickly and amicably.

On top of this i have now recieved a Default Notice from CL Finanace regarding a different account i have been paying over a long period. Again i have made regular payments by check on 5 different accounts with them all paid on one check - only this one seems to be a problem. After doing some checking it looks like the payment due date for this one account is earlier than all the others, i send the check as soon as i get paid so cant pay it any earlier! Should i tell them this? I will send them a financial statement, but not sure how to word the letter (again!!!) Thinking of asking for the CCA too but not sure about that either!!! I have been given till 10th May to sort this (asking for full payment that i cant make!)

I have recieved a reply from Style (sent them a financial statement too) - saying after they will appcept my offer - to be reviewed in 6 months. No mention of the interest i asked to be refunded & its still showing on the full balance. should i wait for the next statement & see if it gets refunded?

This is my draft letter, what do you think? ''I am writing with regard to my last statement dated 28th March 2008. I have noticed that interest of £17.30 has been added to the account. I have a long standing payment arrangement of £5 per month and interest is frozen. I have honoured this agreement by making regular payments on time. I have received no correspondence from you to say that the agreement needs reviewing. I request that the agreement be honoured by you and the interest refunded on my next statement I enclose a financial statement that shows my circumstances have not yet improved to be able to increase payments. I request all correspondence to be in writing only. I hope this matter can be rectified amicably and quickly. Yours Sincerely''

Thanks for the advice - i will write tonight. Should i ask/demand the interest to be refunded? I feel better already knowing i dont have to speak to them!!! i will update when i get a reply

i hope i'm posting this in the right place, sorry if i havnt! I have had a long standing payment agreement with style finanacial services (storecard - not gone to DCA...i hope!), i have recieved my usual monthly statement & have been charged £17 interest - i pay £5 per month & interest has not been charged before, during the agreement. I have had no letter from them telling me they we're going to start adding interest or that my agrement needed reviewing (they dont have my telephone number) I am dreading having to contact them, should i write instead of calling?? what is the best thing to say or write?? should i just send a finanacial statement to show my circumtances havnt changed?? i dont know how best to approach this!!

Thanks ODC

Thanks everyone To be honest i'm not that concerned about the default as i have other debts to clear that will take longer than 6 yrs to clear, so i'm kinda black listed anyway & at least it stops me being tempted into more debt!! I just wanted to be able to pay the agreed amount without illegal harrassment from debt agencies, but if they have wrote the debt off i will stop paying...as long as they dont start sending me letters & calls again!! Sorry to ask again but do i need to notify legal direct (who i have actually been paying the money to)??

Sorry ODC but can you explain that to me? Whats pve? What does it mean if they've registered a default? I thought this letter might be good news, but now i'm unsure. I have carried on making payments to legal direct since the CCA request.

Well i have an update!! Got a letter from Littlewoods stating ''With reference to your letter i can confirm that we will not be pursuing the above account for the outstanding balance. As the debt remains unsatisfied this will be noted on our internal file for future reference. This information will also form part of your records at the Credit Reference Agencies where we share information. This information will remain on your credit reference file for 6 years. If you are charged any interest on your account (i'm not) any future interest charges will no longer be applied.'' Ok what does this mean in plain English???? Do i not have to pay them now? What about legal direct who i actually pay the money to - do i have to carry on paying them?? (not heard from them at all - not even after CCA request) do i write to legal direct & send a copy of this letter??? Any info appreciated - thanks.

Sorry Rory i dont understand what your saying (too many big words for me lol!) I looked at the link but found it confusing, i've read other threads & thought i had to write to littlewoods stating they had not sent me a true copy (if they have!) Have they sent me the proper CCA or not?? I'm guessing not, but am only guessing! They've just passed the 12 days but not 30 days.

Thanks ODC, this site has been a real eye opener & a godsend!! Any help on how to reply to littlewoods regarding my last post? I read their letter as if they are saying i dont neccessarily need to have a ca, & that i should have it! & that they have done what is required of them by law! Are they right? Do i need to reply? What do i say? Any help appreciated Thanks

OK finally goy an update: Got a letter from Moorcroft stating: ''We write further to your recent letter. We can now confirm that on this occasion we are unable to provide a copy of the signed credit agreement requested. We therefore return the postal order submitted in that connection. We are now closing this account & returning it to our client'' Not sure if 'hteir' client is Legal Direct or Littlewoods!! Had a letter from littlewoods:- ''With reference to letter dated 13th May 2007, requesting a copy of the credit agreement. Under sections 77 & 78 of the Consumer Credit Act 1974 we are required to provide a copy of the excuted agreement (if any). On the assumption that you have signed the agreement supplied to you at the time of opening your account. We enclose a copy of our agreement, which complies with the requirements of the Consumer Credit (Cancellation Notices & Copies of Documents) Regulations 1983. They are trying (& succeeding!) to blind me with legal talk. Heres a pic of the UNSIGNED (by me) ca, it looks lile a standard photocpoy, just info, there is a seperate box at the top (not shown in pic) with my name & present address (i was at another address when i first opened the account) Hopefully someone out there can decipher it & tell me how to respond.

Finally got on the post office tracking site, it shows only 1 letter, the one to moorecroft has been delivered, the ones to legal direct & littlewoods say check back another time! Should i be concerned??

quick update: Not had time to track my ca letter as mother in law has had a stroke! Will update asap! Not had any phone calls lately - but then again not been in much!!

Thanks Fred

Thanks i will wait a couple of days & then have a go!

LOL

Just been reading another thread & they said they can track the recorded delivery letters. How do i do that? Sorry never sent anything recorded delivery before!

checked e-mails no reply!!!