Get the ref number from ur credit file for the agreement u did not sign then cca them they will reply with a letter sayin to give them ten quid first,,dont send it,but instead cca them again,iv sent 5 cca requests and keep gettin same response,im building up paper work for ME taken THEM to court if u need any help just ask

i also have to loan agreement numbers lol only differnce is i didnot sign the second one and the first one says on my credit report that it got paid off lol,which is why i am cca ing them with the second one cos i know they dont have an agreement for that one if they dont have an agreement with your signature on it then F them ps NEVER SEND A LETTER TO THEM WITH YOUR SIGNATURE

Hello wannabedebtfreesoon hows things i sent that letter away again and guess what lol,,i got the exact same reply back except this one was from a different person should i just send the same letter again and just keep building up letters to take to court thank-you

lol yeh the 1950 is the debt lol,,that message tickled me lol,its only from last year i am going to cca them,but im sending the cca request to the debt agency first as i spoke to lloyds yesterday and they said they dont have my account on there system anymore. thanks for all the replies i am getting here much appreciated

Thanks debtstar but are there any letter templates around that i could look over,i have a cca request letter stating s77 and s78,could i maybe use that? thanks again

Hi i dont know if im on the right place but i have a letter from solicitors regarding wescot credit services about an overdraft,the overdraft was 300 quid but they want 1950(yes 1950) lol because of charges,i forgot all about the overdraft and didnt receive any letters until now,,please sumone help do i cca them or what?

yeh i had a wee look through the thread thank-you there was some interesting things in it i will do the first option so that i have a build up of wee letters for the court but i could however put the 2 options together saying... and say that your request for info was made under CPR 31.16 whereby you are permitted to request documents for inspection before starting proceedings and therefore no fee is payable. A fee is only payable if it was a request pursuant to the Consumer Credit Act 1974. If you dont give it i will just have to apply for it via an N244 from court PS thank-you so much for your help,your amazing

Hello again wannabedebtfree,just an update on my situation,i recieved a letter back from welcome today,the letter is as follows: Subject access request-account xxxx163,xxxx503 (they have 2 accounts) because i cancelled first ppi and they made a new one which i never seen) Thank you for your letter received 16 June 2010 requesting information held by welcome financial services ltd. In order for us to carry out your request please can u issue the relevant fee: 1) £1.00 will entitle you toa statement of account and loan agreement under the consumer credit act. 2) £10.00 for a full Data Protection request, where we provide all information held by welcome financial services ltd. Cheques should be made payable to welcome financial sevices ltd. PLease note that we cannot process your request until we have received the relevant fee. Yours sincerely Adam Newstead Customer Complaints Department

thanks for the info,i sent my letter away to them today i will let you know what i get in return many thanks

nope i dont have the agreement,i asked lewis for it as they have the debt now but they told me i had to write to welcome for it,i thought lewis had it cos they had bought the debt,welcome have gone bust and dont know who to write to now.

how do i start my own one,i tried to do that but spent ages trying to do it am i just a dafty lol

Hi heres my situation which i need a little help with if possible thanks I got a car from welcome car finance,i was self employed,i told them this and they said its ok (later found out it wasnt) they let me drive away with no tax or insurance (again they said it was ok untill i got home) 60 miles away. the car was not right from first day, things were going wrong with clutch,breaks and engine. Anyway moving on i strugged with payments and asked them to come take it away and they refused,sent it in writing aswell,ignored! i missed payments deliberatly so they would come take it away,they did say they would come get it but never showed. now getting letters from lewis debt recovery saying they want £9500 but last week would accept £4000,i done a cca request to lewis with a £1 postal order but they replied with "we cant supply u with it as we dont have it" and said i had to contact welcome, but i thought they didnt have the debt no longer,am i wrong? Also on my credit agreement it says the debt is settled but underneath it there is a new agreement which i didnt know about saying defaulted,also says i made payments which i never,my credit report couldnt be more wrong with them. i really dont know what to do my email addy is (EDIT) if someone can help me thank-you Gavin

ok thank-you, wont they keep sending me letters for money though? or basically if they want to take me to court then to let them and say i asked for a copy of the cca? if i done that then would they not say well why didnt you write to welcome if lewis recovery said to do that. Gavin

What exactly can i do now though? lewis said i had to write to welcome finance for the cca but it clearly states on the letter "If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties" Do i write to welcome if i manage to get an address or just leave it? Thanks Gav

hi i havea wee question,dont know if im psting this in the correct place though. i got a letter from lewis recovery saying i owed 9000 then 2 weeks later saying they would accept 4000,the bebt is with welcome car finance, so i sent a letter requesting the CCA but got a letter back saying " please be advised that we are not the creditor in this matter. The creditor welcome finance and we are merely intructed to act on their behalf to recover any outstanding balance due. the letter i wrote is below. thanks for reading. my email is [email protected] if anyone can help thank-you Dear Sir/Madam Re:− Account/Reference Number 4563210025897412 This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR). I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee. We look forward to hearing from you. Yours faithfully Mr A N Other