i never thought of that, i havent bothered to file a complaint cause i didnt see much point and have just resent it, but thinking that my personal details are floating around isnt good, thanks aa

chin, up, im still waiting for my ccas from barclays(x2) mbna and additions, they were delivered on the 18th nov and they didnt get back to me yet either, so im not paying them any more until they sort it out, royal mail lost one of my recorded letters afew weeks ago and cant find it any where. this site has been massivley helpful and has given me the confidence to fight back against rip off bankers.

i havent heard a thing from them and they got my cca request on the 18th nov, the lady i spoke said they havet applied the default yet so not sure how that works, i will now post the letter i have for them, ive had it ready for about a week but ive held off posting as i wasnt sure if it was the right thing to do, im also resending the letter for no phone contact. i will also contact oft, thanks for this al, i will update my thread as well, sorry for stealing yours, at least i know what to do now.

thanks al, ive had a default served on me as well, even though they'er in default because they've ignored my cca request, i sent it on th 17th nov and have heard nothing except to get a letter from mercer saying they were adding a default. have you had the debt set to nil? just trying to get an idea of what their like.thanks again

thank you, im going to try the hardship root, im also going to do it for my hubby as he has over £1000 in charges.

im taking it up the fos , no way will i take no for an answer, ive got a thread going if you fancy a read.

ive been with cccs and to be honest they arent much help. ive offered all i can afford and they flatley refuse it, they wont send me any payment slips so i cant pay into the account. i only owe a small amount but they want me to pay it off with 6 mnths which equals payments of over £60 a mnth which i just dont have. they did accept a payment from my hubby for £10 a mnth even though his debt with them is 4 time as as mine, they rang him on fri to say they want more he said no cause we dont have it and that the payment was fine before so what has changed?(except i argued his case when trying to get them to accept my payment) .

i opened an abbey bank account last yr, they gave me a £300 over draft. the switcher team were ment to handle the change over any way they just sorted out the dd not they incoming payments, i wasnt aware of this at first so when dd came out there was nothing to pay them with and i was charged numerous times, they did refund some of the charges at the time as they admit it was their fault because the switcher team didnt handle the account properly, they asid all probs would be resolved, yet again the next mnth my money didnt go into my account but dd tried to leave giving me yet more charges and going over the over draft. again they admitted it was their fault and refunded some charges, i then changed the things they hadnt done to avoid futher charges and to get my account running. after a yr they reviewd my overdraft and decided to close it because id gone over it so many times, which was all their fault! at the time i was using it and had no way to pay it back in the 4 weeks they gave me as my hubby has had an accident at work so we have no income except benefit now as im disabled, i swapped back to my old barclays account in this time, dont know why i changed as ive never had any trouble with that account. anyway because i couldnt pay back the overdraft they have stuck loads of charges and intrest and refused to set me up a reasonable repayment plan wanting me to pay anything from £60 -£105 per mnth depending on who rang me, they have now sent me a default notice. where do i go from here? i can access my account info online for statments etc. any help please

hi al, did you get a letter when they sold your account or is it just on file? i was never informed of it it just happened. also is your cca valid for the account now and do the accounts numbers match etc? im not getting far with mine except for a default even though its in dispute,(have got my own thread) seeing your further along than me thought you might know more. good look, im looking at you for inspiration.

they told me no about a week later and that was their final responce.

will do thank you

i did tell her they couldnt do it as the account is now in dispute but she's saying they havent got it (cca) i can prove they do. and she also said she can act on the account as it hasnt been sold its just been passed to her and they account is still with littlewoods not sure how that works. will send them a letter anyway but i think they will still apply the default.

ok this moring i had a nice default letter from mercer, first time theyve reared their ugly head, nice introduction. so i rang them, the woman was actually really nice, said it hadnt been applied to my account yet (didnt say it would be either) and they have no record of my cca request, of course they dont. she says i should send it again. i have proof that i sent it and they recieved it at their end so is their really any need? not sure where to go with this now, i did question the fact i signed up for a soultion card not littlewoods, she said she thinks its just the account numbers that changed butkeep asking for my cca "cause you never know how that will work out" is that a hint that they dont have it?

im sure some one will answer you soon, im claiming against lloyds at the mo for ppi. i sent a letter asking for it back on the grounds of misselling they sent one back saying basicaly tuff luck go whistle, the matter is closed, well no its not so im now dealing with the fos. this is all since the 17th nov.

see i havent looked at it that closely, i just want my ppi back

he said tht theres no total amounts for the loan after interest, and also its a comp print out not the original agreement (copy) like i said im not sure how much he knows.

wel i was on disability benefit (still am at the time) and they took my hubbies wages as my income on the application. i wont question it until they hassle me, do i send a cca reminder?

are there guide lines for it? i took out a card when i was 18, the limit was put up over and over with out me asking, yes i did use it but only because i after my repayments i had nothing left so had to use credit to live, catch 22, it was stupid i no, my credit card is now scarily huge, i cca'd them on the 17th nov, the got it on the 18th, no responce as yet .

i have my credit agreement from a blackhorse loan, they sent it to me because im disputing the ppi which they didnt cancelle, anyway a friend of a friend has told me the loan is un enforcabel, he works for a claims comp, he isnt trying to take the debt on just giving me some pointers, not sure how much he really knows though so if you could look at it please. http://i374.photobucket.com/albums/oo190/minnimes/img006-1-1.jpg

well tomoro is there last day(12 working days from reciept of my letter) do i send a reminder?

just to check do i send them a reminder?

hi pompey, how you been not seen you on here lately hope your ok

he's not asking me for a fee so im inclined to believe him,he's helping me as a favor, he's been giving me advice but im not sure how much he really knows, he did get 8 credit cards written off last week though. im gonna go with the fos for now and see how it goes, if i could get the whole loan wrote off it would be great.

it was some one who a friend knows who works for a company who gets unenforcable loans etc written off, for a fee of course. not sure if i believe him though

rang fos and there sending me the forms,