Thats what im thinking..... Plus they say only genuine signatures, not scanned photocopies would count in these instances - this is a blue ink signature and is a genuine one! Anybody know for sure if this is them messing up?

Thanks for that 42man, Can i not try to call their bluff so to speak by sending a letter back stating that as I owe them no money, will they now mark my credit history with equifax, etc, as being settled/satisifed? Surely CL Finance will be obliged to provide me with a valid CCA if they have indeed bought over the debt? So should I CCA them or SAR/CPR? If they cannot provide the CCA will they have to refer this back to GE Money? Below is the actual letter sent by GE to me, can you tell me if this is enough to amount to them admiting (intentionally or not) that I no longer owe them anything?

I'll get my passport copied and send it to them. Thanks for the suggestion.

Thanks for that Scott, To be honest I am not sure about charges other than what would be owed through the PPI, which would go some way to making a decent settlement should I need to go full and final. However, what I find very strange is that other than offering CL Finances's address, they make no reference in the letter to having sold on my debt. On top of this, the letter is hand signed (blue ink) and clearly states that I owe no money to GE Money and is dated. Surely this is a declaration (whether they intended it to be or not) that I no longer owe them any money? Surely this is the letter every one wants to get? They are telling me I owe them nothing, and they are the original creditor and arent making any reference to the fact that the debt has been sold on, other than than to say I can contact CL Finance for a CCA. Would a court not agree here?

Thanks for that. can they sell the debt after i've asked for them to provide me with CCA? If I send a CCA request to CL will they refer me back to GE? (Moorcroft did this with my husband when he requested an EGG CCA from them). Can I rest easy that this debt is probably gone - or do I need to pursue CCA's for them and force the new owner's to produce a CCA, which they probably can't as all accounts are more than 5 yrs old. Thanks--

Hi, I've a few accounts with ge money - 600,700,1500,2500 I sent off ppi letters and cca requests in Feb/Mar and this is the response I've had from them: My address & acc details Dear... Thank you for your letter requesting a copy of your agreement under Section 78 Consumer Credit Act 1974. As there are no longer any monies outstanding to GE Money, there is no obligation for us to supply this information, as specified in 78. I am therefore returning your enclosed cheque to you. Any such requests should be sent to CL Finance. Their contact details are: .... I trust this clarifies the situation and I am sorry that I could not be of assistance on this occassion. Yours sincerely... I am bemused to say the least. I have a list of questions I'd love some help with. does this mean I no longer owe the debt to ge money? will ge money be able to chase me for this money - in light of this letter? what do i do with regards CL finance? can cl finance enforce a debt the creditor has claimed i no longer owe? what do i do re: ppi claim? can i put in a SAR request and claim back charges? Is this all a smokescreen? HELLPPPP!!!!!!!! :confused:

Right, I'll be as concise as possible - I will add the full cap one story eventually. I've been making £1 payments to creditors since Jan. Cap one are taking the payment, kinda. They haven't cancelled my PPI as I asked and they are not willing to process my CCA request, although I think they have taken the £1 payment for it. The reason for this is that they say that the signature on my documents do not match the one that they have on file. It is the same signature I've sent with my payments and to change my mailing address. What do I do in this instance - I've changed my signature slighty to stop them 'pasting' it onto a CCA, I've done this with all my other many creditors and cap one are the only creditor to raise an issue. Advice appreciated. Thanks--

hi, not wanting to put a downer on you. however, i used to work in white goods retail and once you go outside your 12 month warranty your retailer will not do anything for you. In fact once you've gone beyond the 28 days the retailer will only pass you back to the manufacturer anyway. You will probable only have something to complain about if the machine broke down for the first time within the first 12 months. I'd say you're best going back to argos to let them know and see if they'll do anything. Then asking them for the contact information for servis and take it up with them. Good luck--

Hi, It's as simple as showing a copy of bank statement - blank out who all payments went to/came from but leave the figures in and out should be more than enough to satisfy them. If you are uneasy about doing this then I'd be inclined to ask about this with the bank - perhaps the money has been sent - if not get your bank to put it in writing that there has not been a refund to the account from argos at any stage since Christmas. I'd also speak to your local consumer helpline. Get in touch with as many advice groups as possible, and if your local paper/radio station has a consumer helpdesk then I'd contact them. Play on the fact that your mum is elderly and argos were in the wrong from the beginning - they should have refunded as soon as they delivered the wrong item. Argos are terrible with regards refunds - even if they can find your sale on their system they will not give you a refund without a receipt. keep at them as its too much money to lose out on.

Hi, I'm not 100% on your rights but IMO you should at least be able to get a full refund at £799 and then go ahead and purchase at £699. You only bought last Sunday so i'd go back and ask them to either sell to you at the reduced price or give you your money back. Good luck - let us know what happens as i'd be interested to know how you are dealt with.

Hi, not sure if this is the right place to post - soz if I've got it wrong. my oh bought a private reg on certificate through reg transfers back in 2004/2005. Every year he's had the document renewed at a cost of £25-50 per year until last year. We sent off to get the name changed so we could put it onto a vehicle for my mother in law but never got the certificate back - and it expired. Since then we've been trying to get it renewed - the guy who needed to sign it had apparently died. Turns out reg transfers had sold this reg for a guy who died last year - but he was not the legal owner. It legally belonged to an aquaintance of his and now a representative for this aquaintance is saying we have no right to it. In the mean time its nearly 1 year out of its expiry and is now also up to the dvla whether it gets isued again or not! Any advice as to our rights or what we can do to get our investment or the registration back?