I did have a chuckle to myself on that one too! At least they can admit they haven't got it. Unlike Moorcrap who haven't bothered to reply! I'm stopping their payment too now as they are out of the time frame. Great thing was I saw the a**hole who doorstepped me the other week coming out of his house so I now know where HE lives and should he decide to knock my door again I must just mention it!

They clearly don't have the cca so does that mean that the debt is unenforcable? If so then should I send them a letter saying that I am aware that it is so until they find the cca?? They have got a bloody cheek because the cheque wasn't even enclosed in fact i have a feeling that they have already cashed it!!! I will check my online banking now.

http://i245.photobucket.com/albums/gg63/chunkyj-photos/ij2.jpg[/img] Sorry here is the link!

CCA request sent: 17/1/08 I have received this letter today: Any advice gratefully received!

That is really helpful thanks CAS. I will wait until I get the SAR before looking too deeply into the ppi, i seem to recall cancelling this one but I had so many who knows! Thanks again for your help

ok that's great guys thanks I will send the SAR tomorrow and keep you posted Thanks

PT2537 had asked if I had used the accounts when I opened them etc and I wasn't sure if this was relevant to me sending the SAR ? Should I just go ahead and send it or does the fact that I used the card on the day of issue have a bearing?

Can anyone update on this following last week??

The initial credit limit was £300 but that was increased over time. I think it was someting like repayment of £5 or 5% of the balance (which ever was the greater sum) for repayment however I will look at the document again in just a sec

It doesn't scan very well but I will try again. I can read the one they sent but for some reason it is quite bad when I scan. I'll upload it again and see if it make a difference http://i245.photobucket.com/albums/gg63/chunkyj-photos/creation2.jpg[/img]

Just been racking my brain and I def did open it at the till when I purchased something so yes I used it the day it was open

The account was opened in 1998 and I can't remember if they sent me cancellation rights or not but I am pretty sure I spent some of the credit on the day the account was opened. What does this mean??

I was working when this account was openend and I know for a fact that at least £700 is ppi and I am sure there are probably at least a few hundred pounds in charges too. Should I send them an SAR??

http://i245.photobucket.com/albums/gg63/chunkyj-photos/clfin.jpg[/img] Here is what I received from C L Finance the other day.

OK so what should I do next with them??