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Ok thanks for confirming what I thought. Do you suggest I ignore, or get into a discussion with them?, surely more letter tennis! Or as this complaint is already with the FOS, do I just leave to them? Thanks MD2010

Hi Guys I have been chasing RBS to remove debt from my credit file as now been in default for in excess of 6 years. At last they have removed so all good on that front. However, they are now stating that as they contacted me in 2011 via Regal, this debt is not "statute barred", see attached letter. I haven't made any payments since Feb 2009, and correspondence in May 2011 related to my request for CCA Suggestions as always very welcome Thanks MD2010

Hi Thanks for a very informative thread. I have a similar situation albeit with Barclays mercantile, but the difference between my balloon and approx value of the car is £13k, what was the difference in your case, that Audi Finance have written off? Thanks

Hi All Agreements attached, interestingly on the T&C they have preprinted my current address, not the one as on the application fform that they did supply http://i1022.photobucket.com/albums/af343/majordebtor/Allianceleicecesterappform.jpg http://i1022.photobucket.com/albums/af343/majordebtor/mbnaappform.jpg http://i1022.photobucket.com/albums/af343/majordebtor/MBNATC1.jpg http://i1022.photobucket.com/albums/af343/majordebtor/mbnatC2.jpg http://i1022.photobucket.com/albums/af343/majordebtor/MBNATc3.jpg http://i1022.photobucket.com/albums/af343/majordebtor/mbnaTc4.jpg http://i1022.photobucket.com/albums/af343/majordebtor/MBNAtc5.jpg

Hi Guys In May 2010, started being chased by Polonius for this debt sent off the usual CCa request, no response, In August 2010 further letter received from Polonius and I replied that the account had gone into dispute because no CCA stuff received. Nothing more received until July 2011 and I replied that Account had gone into dispute. They have replied with the following and attaching signed CCA agreements for 2 of the 3 accounts with them http://i1022.photobucket.com/albums/af343/majordebtor/Polonius18August2011.jpg Not really sure how to respond and suggestions welcome MD2010

Hi Guys Can you point me in the direction of a template for CPUTR 2008 request, guess which section etc? thanks md2010

Hi, the last statements I hold are February 2009, at which time I was accruing overlimit fees of £12 and late fees of £12, so if I understand correctly no luck there. Could you advise how CPUTR 2008 differs from s.78 CCA 1974? But will certainly request it. Thanks MD2010

Hi Guys I have received the attached letter in response to my sec. 10 DPA notice. http://i1022.photobucket.com/albums/af343/majordebtor/Fredrickson15August2011.jpg Any suggestions or comments welcome Thanks MD2010

Hi Guys I have received an acknowledgment from the Financial Ombudsman http://i1022.photobucket.com/albums/af343/majordebtor/FinancialOmbudsman4Aug2011.jpg Should I send this to the Apex management? Any suggestions as always welcome MD2010

Hi Guys I have now received the attached letter from Fredrickson in reply to my letter before action which was dated and posted recorded delivery on the 6th July, which gave them 14 days to reply! http://i1022.photobucket.com/albums/af343/majordebtor/Fredrickson29thJuly2011.jpg Was thinking of sending a Section 10 DPA 1998 letter? any other suggestions welcome Thanks MD2010

Hi See latest letter from Apex, any suggestions welcome http://i1022.photobucket.com/albums/af343/majordebtor/Apex27June20111.jpg http://i1022.photobucket.com/albums/af343/majordebtor/Apex27thJuly2.jpg Thanks MD2010

Hi Guys Please see attached letter received from Regal Any suggestions? MD2010

Hi Thanks No PPI and late charges/overlimit fees minimal MD2010

Hi Guys Some information debt £9.5k originally being collected by Newman in June 2010 from whom I requested CCA, never had any reply; Wescot started chasing in November 2010, advised them that i was waiting for CCA, originally requested from Newmans, various correspondence but no CCA. May 2011 started being chased by Regal advised them that CCA originally requested by Newmans and the account was therefore in dispute. MD 2010

Last financial transaction probably 2007/8, is that significant?

Hi All This relates to a credit card debt with RBS Well, it started off with Newmans, over 12 months ago who gave up and passed to Wescot, who passed to Regal who at the same time seemed to be working with Scotcall! I have sent all the usuall letters of to Regal and have now received this letter I am going to respond with a "agents attending my home" and an "account in dispute letter" anyone have any other suggestions? MD2010

Hi Guys Thought, I would just update you on my situation with Fredrickson International, the last two letters received from Fredrickson attached, dated 26 April and 30th June, http://i1022.photobucket.com/albums/af343/majordebtor/Fredrickson26April2011.jpg http://i1022.photobucket.com/albums/af343/majordebtor/Fredrickson30June2011.jpg no other correspondence from them between these dates although I have sent them letters acknowledging that they are unable to comply with my request s.78 (1) CCA 1974 and then a notice to cease harassment in June when I started receiving approx 4/5 calls per day from them, I didn't speak and mostly they left a message that i should phone Fredricksons as a matter of urgency. On receipt of their letter dated 30th June I sent them a letter before action. Any other suggestions would be welcome Thanks MD2010

Hi Guys Well, I have received a letter from Cobbetts, stating that they will be re-issuing proceeding http://i1022.photobucket.com/albums/af343/majordebtor/Cobbets24June2011.jpg My question is this, as the previous matter was settled by a consent order that included a No order for costs, can those costs now be rolled forward into this claim? Also, has anyone any idea what % of net income after paying household costs a court may suggest would be available to pay this debt? MD 2010

Hello a draft s10 dpa notice can be found at http://www.consumeractiongroup.co.uk/forum/content.php?413-Letter-to-request-the-halt-on-the-processing-of-your-data MD 2010

Thanks guys, all much appreciated Have drafted a s10 dpa notice and it is on its way to them MD2010

Well Guys The latest on this, is that Apex Credit management Ltd have taken over from Wescott. Have sent them all the usual letters and have now received the attached, any coments or suggestions welcome http://i1022.photobucket.com/albums/af343/majordebtor/Apex21June20111.jpg http://i1022.photobucket.com/albums/af343/majordebtor/Apex21stJune2.jpg Many thanks MD 2010

Hi Don't think I have received any other T&C's and they have not yet issued a formal default notice, only 3/4 months with no payment Thanks

Hi All Originally used to pay off other debts, got a very reasonable rate, my business started losing money and couldn't keep up with the payments. Was paying £300 per month, but even that was unsustainable, in fact the interest was even greater than the monthly payment. Stopped paying and they passed to Albion DCA, who are chasing, have told them am trying to get clarification about loan. Hope this helps? but if need any further information please ask, need all the assistance I can get. Thanks

Hi All I have received the attached from Halifax, can anyone tell me if this complies with the CCA, or am I stuffed? http://i1022.photobucket.com/albums/af343/majordebtor/image005.png http://i1022.photobucket.com/albums/af343/majordebtor/image004.jpg http://i1022.photobucket.com/albums/af343/majordebtor/image002.jpg Many thanks