thanks... the loan is only about 2 years old... unfortunatley.... regarding the CCA, what happens if this cannot be provided?? Thanks alot for your response!

Hi, I got into alot of debt with about 5 different companies 3.5 years ago... since then i have lived out of the country and in the uk and kept my head in the sand. I have receievd some letters address to me at a distant relatives address (which i do not understand how they know about then or why they are associated with me??) and it says the Debt has been passed to DHS, from 1stcreditLTD which was given to them by Cash Euro Net. I no it is from a pay day loan, but I do not know how much it should be... It just says 465 on this letter to pay. Do I have a right to request original copies of what the charge is for??? and what if they cannot provide this??? Thanks in advance

Thanks... I sent the following email... Hi, I joined your services around beginning of December in the hope you could help me find a credit card which was guaranteed to me you could do after a slightly forceful call with one of your operatives. I was told on this call I would receive my money back if you could not do this. I am writing to your to request the money in deposited with immediate effect. The past two sets of details which have been sent are for service which are NOT even 'CREDIT' cards! One being for a provident personal load (put onto a pre paid card) and the last one for a actually pre paid card. yes the final one may be a visa card but supplies not credit facility what so ever. I paid £50 using my card, my details are as follows; Customer ID is NOT listed on my documents as you have requested. My DOB is 0!/0?/19?! Kane Thomson 14 ?!?!?!?! Road Leicester L?! ?!N If this cannot be done I would like a full explanation as to why not and also a copy of the call which was recorded and any terms and conditions(which were not sent out) so I can obtain legal advise at my local council Leicester Trading Standard. Kane Thomson Please note, I wish all communications to be via e-mail so I have written confirmation. Thanks to - [email protected] I also sent the email to - [email protected] three times but i got the reply from the James one. I got the following reply from him; Dear Mr Thomson, Your email was forwarded to us from our Managing Director in order for us to issue you with a full refund. It is regrettable if you feel in any way dissatisfied with any aspect of our service to date. We have today refunded your fee in full by cheque, which should arrive in the post within the next 5 working days. Please note that due to system problems we are unable to refund you back to your card, which was used to make the payment to us. If there are any issues regarding your refund or if you require any further assistance, please contact us directly by replying to this email and we will be happy to resolve your query. Yours Sincerely, Refund Department. And then... surprisingly I got the following email from the PA!! Thank you for your email about dealings that you have had with our company. I have asked our customer services department to investigate the circumstances of your case and we may contact you in the future to get further information from you on this matter. I am sorry that you are not happy with the service that you have received and whilst the investigation is ongoing I have asked our Customer Services Manager to issue a refund of the service fee which you paid previously. I believe that it will be with you within 5 working days. Laura Reddick PA to James Benamor

Wow! Thanks alot, I havent told them about me moving.I know its only £50 but 50 is still alot i guess! Thanks for the email addy... makes you wonder about a company when their email ends in @aol.co.uk!!! haha Im just going to send the email loads of time... Thanks again!

good I idea! on the documents it doesnt have a email address :-S I was going to try and email it as I leave the country in two months so just trying to speed things up. I have also stated in the email that if the money is not deposited with immediate effect, I would like a copy of the call sent to me. am i entitle to that?

Hi, I had CGSCreditCards.co.uk phone me begining of December, It sounded all good, they could get me a credit card before christmas. Yes I thought... Then came the nasty bit... theres a charge of £50 as a broker fee... I was reluctant and made my views heard. However the lady GAURANTEED a credit card and said the calls were recorded and for this reason she was not lieing. I accepted in the end and low and behold the first view letters came through with details of people I have cards with anyway, so after each letter I phone up and tell them... the sound posistive and tell me fresh details will be in the post. My 2nd from last one was for Provident which as I explained to the lady is a personal loan... not a CREDIT card, so she sent me another one which is for a CashPlus Prepaid. which as i calmly explained... is a prepaid visa card... not a credit card. I was advised if they couldnt help i would get the 50 back... I have just wrote an email to them but can not find a email address... can anyone help... or advise if I am within my rights to demand this back?? thanks