Thanks steve, Ill make this my next move.

At the moment all i have done is sent them a letter asking if i could have a copy of my credit agreement of which they responded with a letter containing the statement i orginally posted, I am going to sent them a Subject access request now and see where that gets me, i think ill send that out at the end of next week that way ive given them the 12+2 days, let me know how you get on with the ico, did you get it in writing from them that they could not locate a copy of you agreement?

Hi Guys, Basically I Got issued a Default by next on the 22nd of February 2008, I have recently written to them for a copy of my credit agreement and they have responded with this. "I note that your account was transferred to an external collection agency on 22nd February 2008, I can Advised the debt was recorded on your credit files now shows as a satisfied default, as full and final payment was recived, it cannot be removed, as we have a morale duty to report all of our customers credit history accurately. As the Balance has now been paid, under section 78.3a of the comsumer credit act, the agreement is now closed and we are not obliged to supply you with a copy of the orginal credit agreement. Thank you....etc" Now i orginally requested the credit agreement to be sent within the set timescale of which ends on the 22/07/09. How long are they required to keep the orginal credit agreement for if one exists of which i know it doesnt. How am i to respond to this, I have read over the next default threads i have found but they all seem to be about accounts with outstanding balances and debt collection agencys. Any help would be appreciated.

Hi Guys, Basically I Got issed a Default by next on the 22nd of February 2008, I have recently written to them for a copy of my credit agreement and they have responded with this. "I note that your account was transferred to an external collection agency on 22nd February 2008, I can Advised the debt was recorded on your credit files now shows as a satisfied default, as full and final payment was recived, it cannot be removed, as we have a morale duty to report all of our customers credit history accurately. As the Balance has now been paid, under section 78.3 of the comsumer credit act, the agreement is now closed and we are not obliged to supply you with a copy of the orginal credit agreement. Thank you....etc" Now i orginally requested the credit agreement to be sent within the set timescale of which ends on the 22/07/09. How long are they required to keep the orginal credit agreement for if one exists of which i know it doesnt. How am i to respond to this, I have read over the next default threads i have found but they all seem to be about accounts with outstanding balances and debt collection agencys. Any help would be appreciated.