So I send the SAR to both Debenhams and HorribleWitch Farrelly?

Thank you 42man, I have edited the above to suit. I assume ORIGINAL CREDITOR would be Debenhams or GE Capital Bank Ltd. Should I just write DEBENHAMS / GE Capital Bank at that stage? I'll send this off today, what if they can't provide the information / or don't send me a reply? Thanks! Dougal

Hello! I hope I am doing this correctly, first post here... I had a Debenhams Store Card, which due to my company going out of business in late 2003, I failed to make a few payments. One thing lead to another and Robinson Way got involved, next Horwich Farrelly... This all lead to a CCJ at Northampton. I never argued it as at the time everything else in my life was going wrong, so it was just judged in favour of HF. Since then I have made regular payments, apart from when I was made redundant again in lat 2005. It went back to court and I increased my payment to make up for all those costs HF had added plus the relatively small amount in arrears. Since then I have been very good, every payment made on time. However this year I have been accused twice (so far) of not making 2 payments, the last time I had to get my bank to send them evedence. However it turned out that they had allocated the payment to my account twice, then realising took the additional payment off which then showed up on thier system that I was in ARREARS. This was resolved. Well last Friday I had a call from them saying I am in arrears and to provide evedence, so while on the call I logged in to Internet Banking and said, yes the payment was sent to the same account on the same day as always. I was then told that the account I had set up was unknown to them, despite having it printed on the letter I received from them in 2004. No letter was sent to me. I was told unless I ask my bank to prove I made the payment I would be served an enfourcement letter, and that they would not even investigate it unless they recieved this! So that is what I have now down. Sorry this is long! The thing is, now I am wondering whether there were costs for Statutory Interest in the original claim they made, and equally whether Store Cards are liable to reduce 'excessive' late payment fees as banks are? How would I go about finding out? Do I send one of these CCAs to HF, do I have to send to Robinson too and Debenhams? All I want to know is after paying over £3,500 whether this is now the debt paid. I can't even remember anything about how much was originally owed, I have no paperwork. If I have paid the debt, is there a possibility that if there was interest added that was unfair that I could write to the court/whoever and ask for the CCJ to be set aside? Also, I seem to remember that I opened the account at a Debenhams Store at the checkout on an application form, it might not have been an agreement enforcable? Help/ advice please? Thanks!