OK Thanks postggj, I will send them another CCA request and an SAR. I will also inform them that they are default.

Sorted

OK I follow you, how do you come to the conclusion that it's a put together document. If this is the case, it is obviously not the original Hire Purchase Agreement. That being the case, what is my position? Would welcome expanded reply as I'm a little newbie here.

I requested the information and they eventually sent it after 2 months!

It took them over 2 months to get it to me

This is the one I requested

The amount of Credit is (A-B) = £14,499.07. A = Total Cash Price (inc VAT) = £14,499.07. B = Less Deposit = £0.00

Would you have a look at the Debenhams thread for me too please

OK

Have attached 3 docs Doc1.doc Doc2.doc Doc3.doc

Should mention.. I think that the individual who signed my wife up to this card was from an agency as there is no staff number on the agreement. Does this make any difference?

Yes, there is no dealers name or address or stamp on the agreement in the box provided. There is no signature of the dealer in the box provided.

No micky mouse insurance... but are you saying that they should have given a 14 day cooling off period or are you saying that as they have given voluntary terminiation rights they did not need to give the cooling off period?

Yes, an amount of £9,209.30. Yes, Hire Purchase Agreement Regulated by the Consumer Credit Act 1974.

No definately a Hire Purchase Agreement and I definately signed it at home. As I said it was essentially a refinance on the same car, but a new agreement was entered into. I am hoping to use the cca 1974 to get rid of outstanding payments (around £3000) just like others in here who find themselves in a difficult position at the moment. I take it that the clause is wrong in which case they failed to give me my legal rights - correct?