Hi Tracey Not had the application form yet. may be it's on the way? lol we have to wait and see what is going to happen. keep in touch if you here anything, will let you know if i receive anything too. x.

Hi Tracey I have a feeling by the 'no further communication' letter that it will be passed on to their in-house debt collectors. I should also add that I recently got a letter from power2contact threatening doorstep callers. Told them they had no right to call and I would report them to T. standards and OFT. not heard anything back form them!

Hi Fangio Just to say I received the same so-called agreement as you last month. I've been wondering if it was a cut and paste job too. I have the same information and it shows at the bottom right PREAG/0505. I sent a reply saying it was not a proper agreement and they insisted it was. they have ended communications with me so I sent similar letter back! I am now waiting for the next stage. By the way the date taken out on mine is Oct. '05 just after yours.

I've turned it the right way up

Hi Unitedfront covered my name and address. it was at the top left of the page.

Hi everyone, Hope someone can help with this CCA from Capital One is it enforceable?

thanks Mak for the advice.

What do you think about the following I may send? Dear Sirs I refer to your template letter dated 9 December 2008 in reply to my formal request under s.78(1) of the Consumer Credit Act 1974. It appears that you have mistaken the Postal Order I sent you for a cheque, and your letter is therefore entirely meaningless. You have sent the Postal order back to me twice. The first time it was left blank so you could add your own name, the second time I wrote Halifax on it. The letter I received with the returned postal order on had Halifax has the title heading, so Halifax must be correct and you are being very awkward about this matter. Instead of returning the postal order and just commenting on the payee details are incorrect, you should have informed me what exactly to put. I have decided to send the documentation back to you with the £1 postal order for my request for a true, properly executed copy of the alleged agreement between me and you. I must warn you that if you continually send this postal order back to me without good reason or inform me what name or details you want on the postal order, I will keep all the evidence and details of non-compliance of my rightful request and present to the court in any future court case. For the avoidance of doubt, you signed for receipt of my original valid formal request on 26 November 2008, and you have until 16 December 2008 to comply fully and properly within the statutory time limit. Returning the postal order does not affect your legal obligation to comply. Yours Faithfully

Thanks for the advice Scabhunter.

Thanks mak I will have a good think about it as to what to do next.

Thanks Scabhunter I was in 2 minds whether to ignore them or send it once again! But I think you are right. I will wait the 14 days and send a CCA request not received letter. Thanks.

yes they did mak . should i send the template you used? appreciate if you could help. Thanks

ok flyingdoc thanks

It is the Halifax emblem then underneath Halifax Po box 548 Leeds LS1 1WU

Hi would appreciate any help please. Sent Halifax loans CCA request but they sent back my postal order saying payee details incorrect. I had left it blank so they could put their name on it. I then sent it back to them after writing Halifax on the postal order. They have sent it back again with the same letter (payee details incorrect). should I send it back again and put HBOS or can anyone suggest the correct title. Personally i think they are jut being really awkward. Strangely the letter they sent with it has a Halifax emblem on it! Any help please.