Can you please tell me how I would do that? Do I just go to one of those websites which assuming will allow me to make the print bigger then copy and paste it into a reply box or will it be as an attatched file from that website? Thanks

Please can someone advise if the CCA attatched is the correct documentation they need to enforce the debt, if so can someone advise what I do as I still can't afford to pay in full and have never got anywhere on phone to them? I have also a letter for my overdraft from barclays which was also from wescot (they kept taking my loan payments so made me overdrawn) how do I stand in paying that back also?

Can someone please tell me if this is the Correct Credit Card agreement that they are obliged to send me? If so as I obviously can't afford to pay the debt in full what does people recommend I do?

I have posted off the account in dispute letter as I did with CDCS and will wait and see. So as I can guess the power2contact are the same people as CDCS (Barclays)? Surely if they had the CCA then it would be sent to me!?

??

letter today from power2contact saying that i have failed to pay etc I have already sent CCA and dispute letter off to CDCS and heard nothing back. What letter can I send that the account is in dispute with them? as this letter says someone will be out to my home in next 72 hours

Letter today from Power2contact saying they will be sending someone out to me as i have failed to make contact to pay the debt. I have sent the CCA request and the dispute letter and heard nothing back from it so what letter should i send to these muppets?

It states on the letter that even after the 12 days they can still enforce it but it was the end of June when I sent off for the cca and firstly got the letter saying they couldn't deal with it as my married name was on the letter and not my maiden name which the account was in so i sat and waited to see what came of it and got this letter saying they have asked lender for cca

ok thanks. So it is likely that Sainsburys have the CCA and will send it via wescot

Finally got another letter today from them and ohhh thought they couldn't go ahead with it coz my name was different!! the letter says that they have requested the agreement from Sainsburys so will let me know when they get the details of it through. Why doesn't wescott get this when they buy it from sainsburys or is it likely there isnt a cca to be had?

Does this also stand for others as I haven't heard from a couple since sending the account in dsipute? can I assume that they too haven't got the CCA so can't send me it? Also any advice on an overdraft Barclays are chasing (assuming this is what it is as nothing else) I got letter from wescots saying they have found out I do reside at my address (never said I didn't)! thing being I told them I couldnt afford to pay my loan but they continued to take it out of my account hence why it is overdrawn? Obviously this doesnt work like sending the cca but upto now wescot hasnt said what it is in regards to. I have posted this else where but got no reply ?? Thanks

so bascially until they can show me a copy of this no one can ask me to repay it? what if one never shows up? coz by sounds of moorcrorft letter the bank doesnt have it

Will the bank not continue to ask for it?

I have recieved a letter today from Credit solutions saying theie trace investigation dept have confirmed that I reside at my address (no **** sherlock) seeing as you have already wrote to me and I have replied with a CCA request for my Loan. All I can think this letter is for is my overdraft which is around 500 overdrawn thanks to them continuing to take out my loan repayments after I told them I couldnt afford to repay and wasnt allowed to close my account due to having the loan to repay. The letter continues to say If I ignore the letter further collection activity will continue and may ultimately lead to my account being referred for legal action. Do I wait and see if they send anything else as I havent heard from them in a while in regards to my loan after sending my CCA request so can only assume this is the overdraft?? Any advice please

Can someone please advise on my next step. I got letter from Moorcroft sayin that they have closed the file on my account as they got word from lender that they are currently unable to provide a copy of my CCA. On the letter it advises me to contact hsbc directly???

so thats why they have likely said what they have! Did think maybe that was case but wasnt sure if it was that because I had to send CCA in my maiden name for it to be lawfully correct

thanks i will wait and see if and when something else comes in post. they know its me so why mess around using name thing as reason not to send it!

I havent had statements to this address. I did when i got married ring up and sent them the info as i was still paying at the time but clearly it was ignored and after a few phone calls costing me i gave up and continued to pay it in my maiden name. The letter that arrived from Wescot was in my maiden name but assuming they arent stupid and the 1st name was same they wud know it was me!!! just didnt know if to leave it to see if they write back or if they need the CCA and dispute letter in my Maiden name with a note saying i changed my name. BUT surely if they have the documentation they would be happy to send it to me so i have to pay up!!?

It was from a good few years ago that i got the card, I stopped paying it when my husband left in august 2008 sent few 1pound good will payments then moved away from the area where i lived to live with new partner and still cudnt afford to pay so stopped paying. I then got letter from wescot and sent the CCA (21st june) request they replied saying will ask lender for it and I then sent on monday the account in dispute letter to wescot and then yesterday got the letter from sainsburys themselves saying they cud not comply with my request as the name wasnt same on the account as what i had wrote on the letter requesting CCA how many people live in my house with my first name!!!

So basically leave it and see if Sainsburys write back to me about it?

Any suggestions? I got letter today from Sainsburys themselves saying they can't comply with my request for CCA as I had wrote my married name on the letter and the account was in my maiden name. Do i send a CCA to sainsburys themselves with the maiden name or back to wescot with my maiden name. Does this seem like they have a CCA to show me or no one got an idea as to that? Thanks

Thanks for that Robcag. I can't really think of a letter to send them other than that what I sent to them and they have clearly ignored that it says its in dispute with Barclays!! See what they send from now on but if what folks say is write that it is in dispute with barclays then surely they wont respond to another letter

So shall I write back to them and say that I have disputed with Barclays and haven't heard anything therefore until I hear from them 'Bog off' in polite words or just ignore it as its scaring tactics? I wasnt sure and like you have said trying my knowledge which is 0 and only thanks to u kind people have i any clue.

so credit soloutions isnt anothe company? its same as CDCS?? BARCLAYS?

And its ofcourse the original CCA I take it? Mines on hold at min as they are 'waiting for their client' to send the details so gota wait n see what comes of it i guess The following letter from them after the same as ur one of duly comply bollocks..... was that of saying they hadnt yet received the info from my lender so did u get another after the duly comply letter?