Thanks for the advice. I'm trying to obtain a copy of the Armstrong -v- Sheppard law report to send with my letter of complaint to Credit Solutions. As I see it they are in breach of the OFT guidelines by incorrectly quoting the law for there own benifit. Also they say there client adviced them of no dispute outstanding on the account. Even thou the agreement have no prescribed terms and just wants to ignore the fact.

Hello, Can anyone please give me some advice. I've written to Credit Solutions Limited as they have threatened to doorstep call me. I wrote to them to say that under the Armstrong -v- Sheppeard and Short Ltd [1959] 2 QB per Lord Evershed M.R. ruling they could not visit me at home as I revoked there license to do so. Credit Solution response was: In relation to field visits in subsection 2.12 of Office of Fair Tradings' guidelined doorstep visits must give adequate notice of the time and date of visit. The Armstrong v Sheppard (1959) case you quoted is dependant on each individual circumstance and only such order to refuse access can come from a court and not from the individual. Does anyone have a copy of the Armstrong -v- Sheppard authority or know of of a webpage that I can get a copy from. Advice urgaently needed. If Credit Solutions are lying about the individual not being allowed to revoke license I will have to report them to the OFT.

Goodevening fellow caggers, Just received my Subject Access Request from Lloyds TSB. I had to go to the branch and pick it up as I wouldn't sign the request form. I got a nice suprise when I opened the packet of documents. What should I do now. Write to them stating that they can't find my Agreement so they can't get an enforcement order or just leave it a wait. BLS there collections dept are now calling me. Any advice would be gratefully appreciated.

I have decided to write to Citicards, Could you one give any advice as to what i should put in the letter. Explaination of the breach would be good. I'm also going to write to the ICO as to Citi's latest tactic as I'm sure fellow caggers will soon also come up against this new tactic in trying to obtain a copy of there cunsumer credit agreement. Below is what they have sent as to the agreement/application And the codes. Advice please from fellow caggers to stop citi in there tracks. I'm also thinking of copying in the Trading standards and FSA to this complaint of Citi's behaviour.

Dear Cerberusalert, could I use section 8(2) of the data protection act to get my copy as it does mention permanent form.

Thanks Cerberusalert, I've already complained to the ICO about Citi as they took longer than 40 days. This was last week and suprise suprise the info turns up a week later. What should I put in the complaint. Should I write to citi first and give them a chance to send the consumer credit agreement. They have twice before said that they would me a true copy of the agreement before I made the SAR. And it never turned up. I startig to think that they don't have it.

Thanks Cerberusalert, your advice is also appreciated.

Dear Caggers, I've just received response from citicards regarding my Subject Access Request. They have not included my consumer credit agreement as they say that they do not have to under section 7 (1)© of the data protection act 1998. What should I do now. Advice needed please.

Hello Caggers, I'm in needed of some advice as what to do next. I've just received my response from Barclaycard from the Subject Access Request that I made more than 40 days ago. All they sent were copies of old statements and nothing else. I made the S.A.R to try and get a copy of my consumer credit agreement or the application form. It does say in the last paragraph of the letter that this is all the information that they hold relating to this account. Does anyone have any advice as to what I should do next.

Cerberusalert, The above letter was posted wrong. it's the letter in the second post that is the right letter.

Thanks PGH7447, I think that I've made a bad move. Once Style had sent me the above letter I didn't send style an account in dispute letter. I'm also thinking that style are of the opinion that they have forfilled there obligation being returning the £1 fee.

Sorry wrong Letter was posted above

Hello fellow Caggers, Has anyone got a good letter. Style Financial have now got there third DCA to send me a letter demanding payment. The last two went after sending a copy of the letter that Style sent me saying that my CCA was misfiled. Anyone got a good letter telling them to take me to court or just stop sending DCA after DCA. Any advice would be appreciated. Markd55

Thanks cerberusalert, I'm going to complain to the ICO now. Could you please look at my new thread titled Default Notice question - Is it defective Many thanks, Markd55

Could someone please tell me if this Default notice is defective. It has a date to remedy but no date is shown for when it was written. Also a copy of the credit agreement which I would say has no prescribed terms. All advice welcomed. Markd55