yep....i left in the sentence about the N1 form or close account.....so fingers crossed x

Hi Debt4get / Riq It's Ruthbridge ltd....was originally HIllesden (or is it the same thing...i have realised some dca's have more than one name.....x

HI debt4get, thanks for this....I have to say that I took out the wee bits that were a bit cheeky cause I am a scaredy cat....tho on the other hand i've been at the receiving end of their tactics i.e. AIC so maybe I shouldn't worry about being polite lol I've learned the hard way not to speak to them on the phone....have been able to use letter templates for telephone harrassement and door step calls etc and appreciate it so much so....thanks for your help....i might be able to sort this out once and for all xx

the naff off letter would be fab......thankyou....

I should have also said i am not currently paying any DCA...things had gone quiet for 12 months or so....then got a letter end Feb asking for payment

debt4get thanks for your reply......you got it in a nutshell......i just want them off my back!

HI, I would appreciate some advice re. yes car credit ...I bought a car at the end of 0ct 04 and despite voluntary termination around May 2007 I am still being chased for £1400 in insurance charges / premiums from various DCA's ......I have been reading the many threads relating to this (but admit to being a bit overwhelmed at all the advice, a bit of a dizzy bird!) So, I sent off the CCA request only to get it back today....and fairly illegible.... I had planned to send a subject access request to Direct Auto Finance given there was 'no option' in terms of the sale of PPI however, the letter from the latest DCA states that it was 'assigned' to them by Direct Auto Financial Services and now i'm not sure whether to send it to the DCA Frm what i can read the PPI was £1580.55, mechanical breakdown £650.00 and Gap insurance £350.00 = 2580.55 minus the £400 'down payment' from my old car (despite being told my car was worth £1,000)...they then added a further insurance 'charge' of 1,354.65 (what was I thinking of!!!) the monthly payment was 238.76 (made up of 165.11 for the cost of the 'car' and 73.65 for the insurances) I had made 32 payments before Voluntary termination (paying £5283.52 in terms of the 'car' with termination rights to return it after paying £3952.64)...i could post the CCA up but it so hard to read it might not be helpful..... I was also sent a form detailing direct debit payments and 'write off capital' which details a balance at sale of 1,473.....i'm sure I paid wee bits of this off at £50 a go but i didn't keep records of this and any further payments were not listed...again i could post this up..at least its legible!! Any help with this would be appreciated.....if it's a case of reclaiming PPI do I reclaim it via the DCA or direct auto finance? Many thanks....sorry it's so long winded ! :-?