hi jeff, i have a small problem aswell, very similar circumstances with hfo services, but they have acknowledged receipt of my CCA request, but not supplied it as they told me i must go to my original creditor to get it. They have exceeded the 40 day deadline for supplying it and committed the criminal offence, but still they take me to court asking for an extension of stay for 1 month and that they are still waiting for the information requested. In my counterclaim to the court i put that the debt was unenforceable as they did not supply me with the information in the required time limit.I am stuck, what should i do? who do i need to talk to about the criminal offence they have committed, and will this be classed as unenforceable by the court because they have exceeded the legal deadline? any help would be much appreciated thanks Rachel

thanks for the reply david. should i send the letter that i have prepared, or should i just leave it until they reply again. As it stands they are trying to say that they are working on behalf of the finance company and they are not. therefore they sent me a letter saying that they would not be sending me a cca and sent my po for £1 back to me, so the request i made is not valid, whats to stop them doing this again? thanks

A number of years ago i got dragged into signing up for a home learning college course. I started the course but didnt get on with it, by this time my cooling off period had expired and the finance company that hlc had used was Aequs Finance. Through my own fault i defaulted on the payments, but my way of thinking was if i didnt like the course, why should i have to pay for it. I didnt hear anything for months from Aequs Finance, then all of a sudden i get a phonecall from BCW claiming that they were collecting the money on behalf of Aequs Finance. I agreed the pay them the installments that they offered, which was the same as the initial monthly fee. Then i decided to stop paying as i really couldnt afford this with my monthly bills. By this time i had paid £490 pounds to them, nearly half the total sum. They then send me letters as is usual, but i stumbled across what i think is unfair practices with this company. I decided to phone Aequs Finance and ask them how much i had paid. They told me that the debt had been sold to BCW and all contact should be to them. Whenm i confronted BCW with this they told me that they had not bought the debt. i have now requested a CCA from BCW and they have told me that they are putting the case on hold, and they do not hold CCAs (they returned my £1 postal order) they will contact their client Aequs finance to send me one, but they are falsely claiming that they are collecting on behalf of Aequs Finance. Is this illegal? are they being fraudulent in their actions? can i claim any of my payments made to them back? What makes me angry is the fact that these companys can sell my personal information which is confidential between me and the original creditor. How is this legal? any help would be much appreciated. i have prepared a strong letter telling them that i know the full situation and that they are being fraudulent in their actions, requesting a CCA from them again and reminding them of the credit acts and requesting my money in full back from them, but i have not posted yet should i post it? or just let them get away with it?