Well, after many more emails, phone calls, and letters, none of which recieve a reply I am no further on. Basically, since April I have been requesting a copy of the original credit agreement, which has not been supplied, (paid 1.00 etc). I sent a letter in June, stating that I no longer acknowledge any debt etc, and to stop sending statements, adding interest etc. They are still coming, and I am still getting charged interest. I can't believe the account has not been passed over to Blair, Oliver & Scott, because I have not paid a penny since April. I think they just like adding the interest, which would stop if B,O&S got the account. I really don't know what to do next (if anything)! Muppets!!!!:-x:-x:-x

Thank you all so much for your help. I would not have even considered all this if I had not had the most horrible conversation with the most rude and arrogant person, who made me feel so ashamed of the struggle I am having paying this account at the moment, how dare they judge!!.....................so here I am determined to get some of the charges back! Bring it on BOS !

Hi, I am bit confused, even though the card/account whatever it is, has been used? They really are the worst people to deal with. Should I keep paying each mth, they don't reply to my letters. What I am looking for if and when the cca arrives? Sorry, I must seem hopeless!!

Thank you, Will post that off tomorrow. Won't hold my breath for a reply!

Anybody know of any templates for sending CCA request ? What is this and what should I expect hear/receive Thanks!!

Help, I am having so many problems with BOS Preference account, I could just ( and have been) cry. The account is about 11 years old, clueless how I got it, but suspect it was through a long since paid car finance. Paid perfectly since then, until recently when I have asked for reduced payments and suspended interest int the short term, have been writing since Jan, sending financial statements etc ( all sent recorded ) and have had no written reply to any, they seem to just ignore the content and keep churning out demand for payment. Anyway, I have contacted them about 6 times this week by phone, requested a manager callback on tues, now sat night and no call, regarding suspension of interest, but also re the S.A.R - (Subject Access Request) I sent on 19th feb, which surprise surprise I have had no reply to. They are still charging £190.00 mth interest, PLUS £25.00 late payment fee, which I have been disputing, but they will not have it........they cant tell me what sort of account it is..................I am getting conflicting information and being passed from pillar to post. I am making regular payments (although not meeting the minimum £440 a month) Please help me! WHAT DO I DO NEXT!!!!!!

Thanks, will try to!

Help, I am having so many problems with BOS Preference account, I could just ( and have been) cry. The account is about 11 years old, clueless how I got it, but suspect it was through a long since paid car finance. Paid perfectly since then, until recently when I have asked for reduced payments and suspended interest int the short term, have been writing since Jan, sending financial statements etc ( all sent recorded ) and have had no written reply to any, they seem to just ignore the content and keep churning out demand for payment. Anyway, I have contacted them about 6 times this week by phone, requested a manager callback on tues, now sat night and no call, regarding suspension of interest, but also re the S.A.R - (Subject Access Request) I sent on 19th feb, which surprise surprise I have had no reply to. They are still charging £190.00 mth interest, PLUS £25.00 late payment fee, which I have been disputing, but they will not have it........they cant tell me what sort of account it is..................I am getting conflicting information and being passed from pillar to post. I am making regular payments (although not meeting the minimum £440 a month) Please help me! WHAT DO I DO NEXT!!!!!!