Hi Blueda, shall i not bother to send AA another letter then? Just report them to OFT? Thanks

Hi weeblewobble They called me so many times, i changed my home phone number but they still called my mobile but at least i could see who it was calling, I tried speaking to them one guy was so rude to me thats when i stopped speaking. I also sent the phone call harrasment letter and then didnt work they wrote back to me but said it was their right to call and the calls would continue until the arrers were paid up, honestly they have been the most stressful out of all of them, I hope your CCA turns out to be unenforceable but they are very clever in what they do and how they handle things. They will be getting another letter from me next week because i want proof that they have sent the letters, its my word against theres at the moment but does not look like they are playing the game and are going to passed this onto a DCA anyway so i dont think im going to win this war. Good luck

Hi Please bare will me and read try not to fall asleep;) big rant alert AA finanancial are by far the worst company i have had to deal with so far, they are pigs im so annoyed, after countless letters going back to Jan09, first i sent them a letter explaining had no money sent them a budget sheet to show them and offered a £1 token payment which i have been paying for 4 months.. requested my CCA got this turned out to be enforcable, so sent a letter to offer a reduced payment of £30 a month untill we get back on our feet. AA do not reply to any of my letters only send me countlessletters to say that if we dont pay arreres they are taking action and they are dissapointed that i have not been in contact blah blah blahm, ... err HELLO I sent a letter of complait last week, with all my letters and the recipts from the post office (all signed for) to prove i have been in contact since Jan,to which they have replied for the first time in thier lives within 2 days, to say that HAVE replied to all my letters (no they have not) and have asked me for a budget sheet (which i sent to them back in Jan) Now they are saying they will accept my £30 a month tempory and they will be passing this on to a DCA as i am nearly 7 months in arrerrs... they really dont know what they are talking about, i am 4 months in arrerrs not 7 months and why are they passing me over to DCA? Someone help me with this one please i feel like if i was in front of the person who wrote that letter I really would punch them im so mad. Thanks Rant over :-|

Hi Dotty50 Good luck, I took the plung a couple of months ago, and with the help of this site and the lovely people on here, I have stayed strong and pushed myself through it, because at times i did feel like giving up. My outcame is, that i have had one success where they could not provide me with an enforcable CCA so they wrote to me saying they are not going to be pursuing the debt.. that doesnt mean it wont stay on my credit file but its one less bill to pay everyone month The others im still working on, nearly there though i hope, I know it can be a real long drawn out process but just stick to your guns. Thanks

Unlucky for me the envolope does not have a post mark on it. I wrote a letter to the complaints dept it was nearly 2 pages long, attached photo copies of all post office receipts where they had signed for the letters to show i have been in contact with them every month since jan, and also attached the letters where im asking for them to accept a reduced payment and also the one where i send the reduced payment to them and note that they have cashed my cheques so to say i have not been in contact with them is utter rubbish in not so many words. I have also asked them to investigate my account by re-reading my letters and listering to recordings of my phone calls to prove i have every intention of paying off my debt. Im am quite proud of the letter lol but weather it will get me anywhere i dont know. Thanks for al your help Bazooka Boo, i will let you know if and when i hear back from them.

Hi Tendogs Here you go, also wondering how i go about cancelling the PPI as im going to be offering reduced payments, if the CCA is enforcable which i think it is. Thanks

I have also noticed the date of the letter is 18th april and i only got it yesterday so 10 days is up today, i dont believe this letter has taken 10 days to reach me, they must have back dated the letter to worry me so i call them. I will be writting to them today they had better no put that defult on my account. Thanks again

Thanks again for your speedy response, I will write to the complaints department tomorrow see what response I get. Can they acually put a defult on my file if i am paying them something? I know its not the full payment and its only 25% of it but its something, see the reason i am so worried about the default is i work in a bank and im worried i could loose my job if they credit check me and see i have a default. Thanks

Hi This morning i recieved a letter from them saying they are dissapointed that i have ignored there letters and calls, and are wondering if i have any intentions of paying back the debt. If i dont pay within 10 days they are putting a defult on my credit file. Im so stressed out with them they have ignored all my letters and my letter for reduced payments and i have also paid the first installment, i know i should complain to the complaints dept, but i dont feel i have time to do this now. Do you know what letter i can send them to them to ask why they are ignoring me. Thanks

Thanks again for your advise, Its a loan that i have with them, I am hoping that they will not take it to a DCA as in the future im hoping my situation will change and can start paying again, lets face it if they do take it to a DCA i wont be able to pay them any more then im already paying. I will see if they keep badgering me if so i will send them another letter. Thanks

Thanks so much Bazooka Boo for replying to my post. I stopped answering their calls about 2 months ago when i sent them the harrasment letter and i also changed my home phone number, they still call my mobile but luckily can see who it is calling so i just reject the call. also all letters are sent recorded and have dates that they have recieved all of my letters. I have checked my credit file and i do not have a defult on there only how many missed payments. Do you think its likely they will go down the DCA route? Thanks

Hi Has anyone had any dealings with the AA? I have had a copy of my CCA, which turns out to be enforcable so I have written to them to offer a reduced payment of which i can afford, I paid this last week even though they didnt reply to my letter, they cashed the cheque, but they do not stop calling me, I have sent them a phone call harrasment letter and believe its still thier right to call. This morning i got a letter telling me i have been charge a defult sum does this now mean i have a default on my credit file? Where do i go from here, they are ignoring my letters, with the offer of reduced payments just not too sure what i need to do now, i will still pay the payments each month to them but not sure why they are not responding. Thanks

Excellant thanks so much for your help, do you know if anyone has had any luck with them backing down? Thanks

Thanks for the letter Clemma, I does look like everyone is getting the same old rubbish from citicards. Do you suggest I wait until the debt is past on to DCA before I sent that brilliant letter off? Or shall i send it to Capital Collection who sent me the letter to say i had 72 hours to contact Citi cards? I am learning very fast that these people like to try and scare people into calling.. but im standing my ground

Hi Can anyone help me in writing a letter to Citi Cards or shall i say Capital collections. Citi cards sent me a unenforcable CCA last month, it seems they are sending everyone the same thing, saying it is there right to hold back information. i sent them a letter to say that it is my right to have a copy of my cca and the account is in despute i dont reconise the debt. I have not had a reply from that letter but yesterday received one from Capital collections agency saying that i have 72 hours to contact Citi cards to arrange a payment or they are taking it to a DCA, so im not sure what letter to write back to tell them that the account is in dispute and this should not be going to a DCA. Can anyone help Please....

Thanks for your reply IdaInFife, I have had alook on the PPI forum but all i can find on there are cases where people are trying to claim back PPI from miss sold ones, what i am asking is I want to make reduced payments can I ask for the PPI to be cancelled before i start making payments as my loan including PPI is about 8k if i take off the PPI its only 6k I would rather be paying reduced payments only againts what I owe and not the PPI when it didnt help me in the first place. Thanks

Hi I have had my CCA back for Cahoot, and looks to me to be enforcable everything seems to be there. My question is I have PPI on this loan, and i am about to offer them a reduced montly payment but I need to sort out the PPI first as I dont believe I need this, as it didnt help me out when i needed it, can I claim it back? Stop paying it? It costs me an extra £22 a month on top of the loan. Any advice would be appriciated. Thanks

Thanks for you reply Steven, I think some of these companies are having problems with understanding this

I knew i could rely on you to make me feel better :grin:

Thanks for looking at this for me steven, just needed to know once and for all and accept that it is enforcable... some of them are just too good ;0)

I know your right, I have had one debt written off so far because of an unenforcable agreement so i have to be greatful for that. I do have another question for you, HFC (the dreaded) they have said they are going to be sending someone round to my house if i dont keep up repayments, and to stop that i need to make a payment, I have sent them a CCA with no reply but they say that even with an account dispute they can still send someone round is that right?

Hi Tendogs, Yes no problem i do trust him on this. My only option now is to make them an offer and hope they accept it. Thanks for all your help with this.

I did wonder if that was one of the things that should have been on there, thanks again tendogs and will speak to you when you know more. Keeping my fingers and Toes crossed with this one.

Hi there Thanks for your replies, i have had alook at other posts on citi card and cant really believe what they are telling people, I will be following it up as they shouldnt be able to get away with that. Thanks again

Hi After being redirected to this forum, i cannot believe what Citicard are doing, I have also recieved the bog standard letter, to say they do not have to send me a True copy of my CCA. What is the next step? Can i send a letter to argue this, although i have read some post where people have done this and they have just sent one back arguing the toss on this one. What do you think i should do now. Your advice is appreciated. Thanks