Thanks Sleepingdog, so I was just about to send the letter above to AIC as they didnt comply with my CCA request, should I approach Tesco then with a CCA or just payment? I dont want to get rid of the debt ( its a couple of grand,well it would be nice!) If I send the letter above to AIC and they simply reject it or then pass this onto another company i,m back in the same position as the start and all this letter writing wont make the debt go away. So letter or just pay tesco? (thats monthly payments not the full amount) Andy

Thanks all for your advice, I will action this letter asap and see what happens. Sorry to be thick but I,ve never actually posted anything before apart from a few comment on Sky news website! can I continue this post at a later date or do i need to start again? Andy

Hi, They sent it back with a copy of my letter, their letter gives me the address for Tesco and say to contact them for CCA as they are only acting on behalf of them.

Thanks, thats some good information. So I am within my rights to send the non compliance letter back to AIC, has my involvement with Tesco completely gone?

Thanks Scott, I have no idea about reclaiming charges Andy

Hi all, I hope I'm posting in the correct place! I had a tesco CC and was paying my normal £50 p/m then I got made redundant early 2009, I could not pay the full amount so I offered them £40 until I get back on my feet. They then passed this debt on to Triton and after many letters and sending them info on what I owe etc I paid them £40 per month even though they didnt like it. Out of the blue I get a letter from Allied International Credit which I'm sure people are very familiar with, I havent the time to have 3 months of letters being sent from me and from them (like Triton) so I request a CCA with the usual £1 po. They have replied that "we are acting on behalf of Tesco PF and are unable to comply with my request" they say the CCA request should be through them. They still advise that I owe them money and I have to call them (no intention of doing that) I will be happy to continue to pay off what I owe as I,m back in full time work however I,m not having any company try to bully me into anything. Anyone know what the next step should be? Should I pay AIC or Tesco or neither? Thankyou.