Yes I have been to trading standards. I`m waiting for them to get back to me.

Because when I got the car from the garage I got a mot that states the mileage. The car has been constantly breaking down so on advice from someone on this forum I was advised to contact the previous owner which I did, they emailed me the cars service history and bingo! The car had a lot more miles on at its service 5 months before I got it. I was hoping for my account details so I can see what they have been charging and also for a record of phone calls to prove how many times I have been on the phone complaining about a car that I cant use

I got it from the generator in the templates section of this site, just chose the finance company option. I sent the £10 statutory fee.

I am in dispute with car finance company over faulty car, car been clocked. I sent a SAR and just got a load of photocopys of things like my id I used when took out finance, papers relating to the garage and broker and CCA. I was under the impression I should have got a list of payments I have made, any charges on the account, lists of telephone calls etc Can any one advise please?

Thank you so much for finding out this information for me I will definatley be ringing trading standards in the morning. I just hope there is no identity theft going on, I am annoyed with myself now as I am usually so careful. Do you think they have broken the data protection act by passing my details on when it does not state anything on the application form about passing details on to 3rd parties?

God no, I should hope she would`nt take out any more loans!! This is my sister in law, she lives in my road and doesnt have a landline so she just rang them an hour ago from my house. She does not have anything on credit but is finding it hard still to get a loan off the high street.

I cant find the leaflet they sent, I have searched everywhere. I`ll give trading standards a ring in the morning.

My sister in law has just rang yes loans and they accepted her then asked her to pay £49 she didnt have it in the bank so had to say no, so they are sending her a form out. I told her not to pay it, but she wants some extra cash for the kids for xmas, is there any decent loan companies she could try. She has a low credit score and wants to borrow around £500

A while ago I got a letter in the post from this company offering loans, I went online and filled in the application form, now it is not a website at all...just an application. I filled it in and then started getting phone calls from all loan companys with horrendous APR so I refused the loan. Recently I purchased my credit file and there are lots of searches from all different loan companys I rang them to see why they were searching my file without my permission, they said they got my details from a broker. Now if you take a look at [EDIT] you will see its just a basic form and does not state anywhere that they will pass your details on to a 3rd party, nor does it state they are a broker. I thought they were the ones who would provide me with the loan. I cannot find an address or telephone number listed anywhere for these people and I want to tell them to stop passing my details on. One company citifinacial searched me 4 times in 8 months but has never offered me anything.

Thanks, do you think I should send them a letter to remind them of the timetable? Just so they know, we know our rights!

Have you got a solicitor or are you representing yourself?

Thanks Oh Boy! I know I shouldnt speak to them but they annoy me so much!

Hi Postggj, Hows everything going with Welcome? when are you in court?

I have been looking but cant seem to find one. Can you point me in the right direction please?

I know, I wont be in the future!! I will be complaining about the advisor in my letter too. I just dont know how to word it so it sounds like I know what I`m talking about...even if I dont lol!

Can anyone help with a template letter to a DCA when you have made an offer of payment instalements over the phone and they have refused? Any help with wording would be appreciated....Thanks!

Thanks, we will. Just thought they were trying to fob us off by sending the £1 PO back

Sent a cca request on behalf of my partner who claim to have bought a debt from capital one. They are claiming debt is £449 although his cap one card only had a £200 credit limit. Recieved letter back today saying they do not accept statutory fee`s They go on to say they have requested the cca from cap one and when they have it they will send it on but there may be a delay as the vendor may have to retrieve it from their archives. Any advice on what we should do next please?

She said NR was considering changing them to a fixed rate instead of the variable. I never thought about that gizmo, I`ll have to tell her. I suppose it would be better if they went and rented at least they would get housing benefit if they were stuck.

Yes it was I gave them the number 0808 808 4000 is that right? She has just rang northern rock to find out what debt was passed to link. They said it was a personal loan that went to court and got a charge on the land, it then got passed to Link

Yes they do have negative equity, he did tell ndh advisor this. Yes they can manage mortgage and other debts now they have all been reduced, obviously it will still be a struggle but she said they will manage, so there is only link to deal with. they are not sure if registered with land registry. Is it worth sending a cca request?

Oh and her husband rang the national debt helpline and they said if they want to keep there house then bankrupcy isnt an option. They dont want to lose there home as the children are really settled in school.

Mortgage £150k secured loan £30k Unsecured £27k other debts actually only came to a few hundered and she offered them all £5 a week which they accepted ALL IN HUSBANDS NAME. They are managing the mortgage and arranged all the other debts today...with my help However Link are being a real pain in the XXXX she put him on speaker phone he was very abrubt and not very sympathetic

Ok, went round to my friends house today to get some proper details so I could help. The £27,500 debt is unsecured and she rang northern rock and they have agreed £50 per month - Result! Now there was another debt secured from NR that had been sold to Link financial for £30,000 so she rang them again (these loans are in her husbands name but he has given authority for her to speak) and the dca was very nasty, and would not accept any offer so she asked what would happen and he said "as in the credit agreement your husband signed we can apply to force sale of the house. I am about to do her a CCA request to see exactly what he signed for. Any advice?

Sorry I know there is probably one somewhere on this site but can anyone help with a template for a CCA request to a DCA please