Arrogant a holes Fin, you've sent the account in dispute letter so just hang fire. The ICO letter for my MIL arrived, please speak to the company involved is what she got. Typical.

I haven't heard anything and it is Dec 08 since last payment-what is going on?? I should have heard from a DCA long before you.

In a few weeks you'll get a "we understand, please ring to sort out with us nice caring people letter"

HOw many months since you last paid them Toxic? I am expecting a DCA letter any day now.

Do be careful, any accusations can result in action being taken. I can see exactly what is being hinted at, and it comes as no surprise. I have seen some little differences in a lot of credit agreements from the same period on this forum.

Wow, me too, to both of you. And my email account is full to bursting with similar stuff. I reckon they could learn a few things from us lot here.

Anyone hear bolting horses and barn doors slamming????

Hi Higgy, Yes, post up the agreement obsuring any personal details and we can all have a look and see what's what.

Send it and cancel the DD

Hi Help 45, just this minute I have opened a letter from Egg informing me that they are happy to reach an agreed payment arrangement. This is almost 4 mths since I CCA'd them. The only problem is-the account is in dispute AND the number they gave me is the same number I rang some time ago telling them I was in difficulties. They weren't exactly sympathetic that time-what makes me think they will be any better???? Absolutely and categorically NOTHING. Basa is right-they are ruthless, they got one chance and one chance alone, which they chose to throw back in my face-then I found this place. They won't get that chance again. There is only one way in which they will get any money off me-and that's when a judge tells me to.

Yes, I thought short and sweet would be best.

I am sending this letter tomorrow, what do you guys think? --------------------------------------------------------------- Allow me to thank you for responding to my full Subject Access Request and sending me what you referred to as a DSIR. I have some further queries and am hoping you can clear them up for me. Firstly, I am a little mystified as to why you chose to end the credit card facility on the above account as I was not in default at the time. Please respond by referring to the specific parts of the Consumer Credit Act and its associated regulations you used when making this decision. Secondly, please provide a telephone recording or transcript of the conversation which resulted in you adding CRP to the above account, as I was not even aware you had done this until seeing my data. Also please forward me a copy of the letter you agreed to send to your customers-as per the information made available to me by the FSA. Also, I have not received any documentation regarding this CRP, please explain why you omitted these details from the information you sent me. Thirdly, please explain your reasoning, specifically referring to the relevant sections of the Consumer Credit Act and the Data Protection Act and their associated regulations for issuing a default notice on this account AFTER I put it into dispute. Please explain why you have not acknowledged my account in dispute letter, and why you have continued to process data and demand payment on a disputed account.

there most certainly is, a letter to Egg tomorrow aswell, they must really be loving me as a pen pal these days.

tut tut tut....................... not a word from Egg did I hear regarding this part I have just read............................. (5) Egg has agreed with the FSA to carry out an independently supervised customer contact and redress exercise as follows: (a) All customers who were sold Egg credit card PPI policies by telephone during the Relevant Period will be contacted, save those who have already received a full refund, and those who cancelled the policy without ever paying a premium. (b) The initial customer contact will be by letter, the forms of which have been agreed with the FSA. The letter will give a telephone number for customers to call if they require further information or have any concerns about the policy or the way it was sold to them. Egg has agreed to pay redress to customers where appropriate. © Any refund will consist of the return of all premiums paid plus a payment of interest on each premium. Egg is likely to have to pay about £1.67 million in redress for every 10% of customers who receive such a refund...................................These are particularly important mitigating factors which, along with all other relevant factors, the FSA has taken into account in making its decision on the level of penalty I'm starting to really like you AC

No less than I expected. So a complaint to the FSA to be drafted and posted to them on the morrow. Cheers AC. So considering they are held responsible by the FSA, how on earth have they managed to duck responsibility for sending it out with the SAR? Beggars belief-well, tbh at this stage of the game, it doesn't really.

I absolutely did not agree to this being added on , either at application time or later, on the screendumps of contact history there is no record of telephone contact either (it was added on by themselves at a later date). I am told, they have been fined over this before.

Cheers AC. I'll have a look through to see who has underwritten this and contact them.

Hi Pipster, they do it because they are arrogant barstewards and the CRAs are their lapdogs. I'm beginning to think the FOS sit on the other knee tbh.

Yes, passed now, going from what has been said elsewhere on the forum, their next move will be to sell it on to a DCA-who will get the exact same treatment as discussed-a copy of the account in dispute letter and a brief ( very very brief) summary of what they have done about it-nothing, also the passage of that tells them I withdraw my permission to them to enter onto my property, and I will not arrange an appointment so go away.

Don't be afraid - ask them for it and start the first step to taking control.

No one can view their agreements online-I don't know why. There is no shortcut, either you find the time to deal with them or you don't, either way they will try to deal with you. Have a read through the various threads, only you can decide which way to go. I spent a lot of time on here at first reading and re reading, then I downloaded and read and re read the consumer credit act, then the same with the data protection act. It is mind boggling and very time consuming, but ultimately enriching. Bear in mind There is no such thing as debtors prison, and they can only take from you what you have to give, nothing more.

After a rather pointless telephone conversation about how they couldn't accept a lower payment and do I have a debit card they can take full payment from I ended the call and came here. They ignored me completely and have continued more or less to do so, so I can't offer any help or assurance that they are sympathetic or understanding. My experience tells me they aren't. I questioned my CCA because I wanted a strong case to force them to accept lower payments. I found here strong argument that my CCA is unenforceable and that I was under no obligation to make any payments. I have sent them numerous letters, they have chosen to ignore my comments regarding unenforceablility and issued a default notice. I have chosen therefore to ignore them in turn, and will continue to do so until they drag me into court, OR acknowledge they have a problem.

I think these companies offer something they cannot give people-reassurance. An "official" and "authorative" viewpoint is what people want, and they can;t give it, because it needs a judge to make a decision on a particular case. I would love to just give my agreement to someone who will do all of this for me, but I can't because it isn't the comapny that gets taken to court-it's me. I doesn't sound right to me that they aren't getting back to you and are taking this long to come to you and say either it is enforceable or it isn't. Demand an appointment, and don't be fobbed off-it's outrageous that you may now have to argue the toss with two companies.

Still being audited after more than four weeks? It sounds like they are taking the pistachio nut to be honest, have you already paid them?

There have been questions raised regarding the copy agreements we have all been getting sent out to us. I, personally, am looking for a scan of any original agreements around early 2003, but I think it is important that we all get the chance to check the copies we are getting against any originals. Agreements or T&Cs please.