is there a letter template to write to the information commissioner?do i have to wait for my 12 + 30 days before i write to them so that everythig is kept on the level or do i say b******s and write cos if they`d got it they would have sent it????thanks for helping xx the cca leeter was signed for today,so the countdown begins !!

thank you for that take care xx

like a numbnut i think i posted this in the wrong place:!: i took out a credit card with the bos in 1998,it was then taken over by mbna and the interest shot up.i fell behind,spoke to the national debtline and they told me to send for my cca,like a plonker i did`nt send £1,however they sent me my application form which did`nt contain all the prescribed information,i wrote to them asking for the proper document they replied that they`d sent a "mailer agreement" when they sent the mbna card,this i never used nor did i activate it,i did`nt acknowledge it in any way.these people are b******s,they made me feel guilty for having an autistic child,i feel guilty enough thanks.i spoke to debtline and they told me to place an official complaint about the bullying and the "no show" of the credit agreement...this came well after the 8 weeks with no appologies and no original credit agreement they just kept harping on about the "mailer agreemnent".i wrote to TS and they advised me to send the £1 recorded delivery as they can`t act until i have acted within the cca....fair do`s.....sent it recorded delivery but when the cheque had`nt cleared i e-mailed royal mail who said the letter must be lost so to fill in compensation form!! so i sent another £1 cheque off recorded delivery,i will get proof of delivery if it kills me!! i have also sent for my S.A.R - (Subject Access Request) (will this contain bos statements as well as mbna?)........if bos never ran my account properly does that mean that all the interest that i paid over the years with them was taken illegally just like mbna have done?does this mean tthat bos sold mbna an unenforceable debt?.....anyway,mbna are still sending demands and threats but will only correspond with me if told to do so by the FOS(have written to these as well).so,i`m sitting here in limbo waiting for my S.A.R - (Subject Access Request) which HAS been signed for but the cheque not cashed,and hoping that the postman gets me some proof of delivery soon for my cca!!!If they have wot they need to enforce why are`nt they,are they waiting for me to break??!!!A big thank you to those of you who did answer me even though i`d put it in the wrong place!!!

thanks for that,so i just sit back,do i send another letter when the time-frame has run out on my old letter or do i keep sitting back?? I have stopped paying them at the moment or should i keep paying them?

hello Yaff,thanks for being there!! I owe just over £800. I was reading a letter put on by Tifo where the letter states that because they have `nt complied with the cca request the debtor requests all payments made to date plus 8%...what the heck is that all about??:o

hello Yaff,if you`re out there!! i expect you`re starting to get jarred off with me,i would if i were you!! Is it a nail in the coffin for littlewoods to be investigated by the fos or is it neither here nor there?? on that other thread where you replied to me about the loophole,did that last persons comment on being handed over to a third party after the date stand as grounds for investigation? if so do you think i should go for it?what is 10% f&f ? i still have`nt heard anything from littlewoods or TS,how are your claims going? take care xx:)

hello there,i`m only jumping in cos that thread was mine.That`s what the fos told me in my letter.xx:p dickheads have got a loophole it seems!!

hello everybody in mbna are w*****s land,decided to cover my back and sent another cca request recorded delivery(had better get there this time!!) just for proof,so they can`t deny it...i really don`t trust these scumbags.Anyway i have been thinking and that`s not always good!! Anyway i will share my thoughts and maybe some kind person will put me right.........if mbna can only produce my application form from bos,then does that mean that bos never ran my account properly either so therefore the thousands of pounds i paid them over the 8 years was also wrongfully charged???? Also,this SAR i have sent for ,should this contain the credit agreement and statements from bos as well or just the cca from bos(for so called proof of debt(have probably worded that wrong!!) and statements from mbna. thanks again to everybody who has taken the time to help me xx

nope i was gonna see if they write my debt off,i gave them till 24th June 2007 to write me debt off and clear my credit files,if they don`t i was gonna post the next question as to what to do next!! Fancy a pint??

hello Kenny, hope you`re fine,i sent a letter off to littlewoods with a few demands since they don`t have my credit agreement,which they have`nt replied to yet!! I`ll cut to the chase,can i be writing to experian to get my file removed while i`m waiting to hear from TS and Littlewoods:p thank you for our help xx

i went onto the experian website and they have`nt even put me under the the heading account query!! can i be writing to experian telling them that i want my file removed as they have told me there is no credit agreement or do i have to wait for TS:confused:

as i still have no proof that i have requested my cca officially by sending £1 to cover my fee.Partly because of my stupidity and not sending it recorded(they never cashed the cheque)and royal mail for not getting a signature/losing it(again cheque not cashed).Do you think i should keep going until i get proof of posting so they can`t say i have`nt followed cca procedure,i want to cover every corner,i don`t want to give these b******s any chance of screwing me.

sent a copy of the letter that Ian posted for me,got a reply this morning saying they still won`t enter into any further correspondance unless instructed by the FOS....what now?? I still have`nt received my cca,and i sent my sar request recorded delivery on the 8th june,do i just sit tight for the 40 days or what?? please help:confused:

hello Yaff,thanks for taking the time to reply,some days i seem to go round in circles,i thought i was totally up the swanny that`s why i started another thread,i got major cobb on,but i`m calming down now,thanks again xx

that was wot i needed to hear!!!I thought it all depended on these people,told you i hent gotta clue what i`m doing,take care u xx

hello Yaff,how are you doing?? have written to oft and will send another letter to ts as they still have`nt got back to me and when i ring the woman is never there!!! Take care xx

littlewoods have admitted they don`t have a credit agreement for me but they are still demanding payment and have passed me over to theit dca,i wrote to the FOS and this is their reply...thank you for your recent enquiry.i am sorry to disappoint you but,after further investigation,your complaint does not appear to be one we are able to deal with.that is because the business you have complained about only became covered by us on 6 april 2007,and we have no authority to deal with complaints against things that happened before that date.from what you have told me,your complaint is about something that happened before 6 april 2007 which means that-even though you are still in dispute with littlewoods shop direct shopping limited-we are not able to look into the matter. has anyone else been fobbed off with this letter or has littlewoods found themselves a nice little loop-hole?? thanks for your help xx

have just received a letter from the FOS today saying...Thank you for your recent enquiry.I am sorry to disappoint you but,after firther investigation,your complaint does not appear to be one we are able to deal with.That is because the business you have complained about only became covered by us on 6 April 2007,and we have no authority to deal with complaints against it about things that happened before that date.From what you have told me,your complaint is about something that happened before 6 april 2007 which means that-even though you are still in dispute with littlewoods shop direct home shopping ltd-we are not able to look into the matter. where does this put me and all the other folk that have fighting these gits for some time????:-?

sent e-mail to royal mail as there is no information delivery on my letter(cca request),they have e-mailed me back to say that it must be lost,so to apply for compensation,the only trouble is that the cheque has`nt cleared yet,do i need to start again??

sorry Fred i don`t know what you mean by subscribing:confused:

hello everyone,well TS did`nt get in touch so have sent a letter with my demands and i`ve sent it recorded delivery so they can`t deny it,if they don`t comply,well...bring it on!!!take carexx let me know how you`re doing xx:p

morning Ian,that is a booty of a letter,thanks alot,hope he chokes while he reads it!! hope everything is going ok with you,take care xx:p

hello Kenny,letter written and sent,thanks again for your time and help,will let you know what they say,take care xx

got this lovely letter from mbna this morning,i`ve sent me £1,they`ve not cashed my cheque but i know they`ve received the request so it`s up to them wot they do with the money,i`ve done my part of the cca.the letter went...only a small fraction of our customers set out to deliberately avoid making repayments(i`m paying a token payment so they`re getting something) and when we have evidence that this is the case,we apply sufficient resources to persue them.those of our cutomers who do get into financial difficulties usually talk to us(they`ve had my financial statement,our family situation and of course they wrote telling me that they would only correspond when the FOS told them to) and the problem can be resolved to our mutual satisfaction(payments we can`t afford!!)these are now our choices: a)appeal to you sense of humour with the hope that you will contact us to negotiate a settlement. b)give your account to our solicitors with instructions to take the matter to court,possibly resulting in a bankruptcy order being issued against you. c)assign your debt to a third party who will continue to persue you for outstanding debt. then it goes on blah,blah blah about phoning today and how they may be able to avoid default. yours sincerely Matthew Mcgrath head of customer assistance. I know it`s another bully letter but i did`nt think they could do this if the account is in dispute,and like i`v said before,when like a muppet i first requested my agreement all those months ago and did`nt send my £1 they did send my application form with bos,this not having the right gumf does`nt stand as a credit agreement,then the penny dropped and i did it all according to advise £1 fee and recorded delivery,so i know i have to go through the whole 12 days and 30 days before i can start,am gonna send for a s.a.r,but wondered if anyone could come up with a letter to send back to Matthew to show i know what i`m on about(ha ha) and that his tactics won`t work on me.thanks xx

thing being Stand,how do i know what i can claim for,all i know is that when they took the card over the interest soared up,but not having an old statement really mucks things up as i don`t know exactly how much the interest increased or can i claim all the interest back but on what grounds??? oh to be bloody intelligent!!! Hubby is gonna have to dig around in all cupboards and drawers tonite when i`ve gone to work!!!