Hi Scott just trying the one at the moment as I am a scared to rock the boat.I am paying low monthly payments at the moment but after my first request CSL have requested the full amount but I don't think they are aware I am also paying them monthly as they also offered me a opportunity to telephone and make arrangements to pay subject to them maybe taking up the offer of monthly payments. Regards Delta

Hello ,the second letter is a reply to their's, supplying a copy of a request for the application. A template from this site also telling them they have failed to supply correct document and that they are committing an offence etc. I have two credit cards owing hence to the two addresses. Thank you for such quick responses. Kind regards Delta

Hi ,The Bank of Scotland.

Hello I have requested cca and got a one page photo copy of application request .The credit company has now also asked for full payment of the loan. The time limit of there communication was over a month and I believe the statutory right limits them to 12 days. I have also been paying this company for two different debts and they have two different addresses for the same company. I have now copy and pasted a template from this great website but am worried I am taking on too much with out having much law experience. Have I the same rights to a CCA if I have been paying the debt company's. Any advice will be very greatly apapreciated also will hold on sending the second letter for a couple of days to hear if i get any advice to the contrary. Kindest regards Delta 1956:confused: