No just had a letter back off TR they still intend to go to court. Have again replied saying no credit agreement just an application form and it took them 8 months to send that and I intend to defend it to the hilt. Also sent full complaint to oft.

Thank you will start a thread tommorow it is a long story so far.

O well then see how far they go, I intend to take it as far as I can after the treatment from HFO and TRS they have made my life hell over the past year if it was not for these site I would not of had a clue how to handle them.

I wonders if this is why I have had a letter from TRS today dated the 13th and posted the 15th Feb, with my request for the credit agreement which I asked for twice 7 months ago, although they attached an application and a blank Credit Agreement which has a reprint date of a year later than the application. Do you think that they are trying to get as much as they can in. Also go the usual dribble of 14 days to pay or they will issue leagal proceedings !!!!!!!!!!!!!!!!!!!!!!!!!. I will of corse replt tommorow stating all of this and will be making a full complaint to the OFT.