just an update. i recieved 4 letters in succession. 1 from apex debt collectors, 1 from a solicitor which threatened legal action, then said 'please do not contact us, contact apex' so obviously they are 1 and the same. another 2 from apex threatening the end of the world then nothing for a while. then i recievd a letter from lombard! they had already terminated my agreement. i thought it looked familiar so i checked my letters and its the same letter they sent me in november. then i got the same 4 letters sent from apex and the solicitors. exactly the same, same figures same threats! does this mean apex, the solicitors and lombard are all one and the same? was my 'terminated' agreement a farce? i have ignored them all. thanks everybody.

i know. what do you mean hit them with both barrells. shoul i cca request all dcas that contact me.? i havent done it with the latest one-Apex whatever. what you think?

just an update. i have had 1 further letter from the dca. no phone calls. i am extremely unharrassed! i checked my credit record and its clean. i think for the minute. i win! thanks.

thats a month dude! and they claim it was phone calls tough i really doubt it. i have no proof as i dont get a bill. can i cancel?

hi everyone! i would like to cancel my sky package as its a lot more expensive than they said it would be. my last bill was for £117 !! when i signed up they assured me it would be £30. i phoned them, but they were soo cheeky on the phone "iw ont be cancelling anything mate, youre within 12 months contract" cheeky bugger. can i really not cancel? is this the mother of all contracts? many thanks.

finally donated. ill donate more when i get paid! thanks everyone for the help so far.

thanks again everybody. ill keep you posted.

also i thank you for the link to consumer direct but they do not operate in northern ireland (where i live).

hi, im sorry if this is a stupid question, but can this new credit agency give me a ccj or ruin my credit record as they are threatening, or are they as powerless as lombard? many thanks,

i love it. thanks so much for your support! i will complain!

minor update. my debt seems to have been passed to apex credit management. they demand full payment of course. will i just ignore everybody who sends me letters and prepare for court?

yeah. i wasnt sure if i should do that. but flip them! THANKS VERY MUCH SO FAR!

thanks , ive already sent hem the failed letter.I( i think i was calling it 'the 2nd cca letter') do you think i should also send it again? thanks for all the help

Dear Sirs. RE : xxxxx Ref your letter dated 19/01/11 requesting payment for Data Subject Access Request under the DPA. Please be advised that no DSAR was ever requested from you. A request under the CCA was requested along with statutory fee of £1.00 Reference my letters sent 13/12/10 and 10/01/11 which was formal request pursuant to s.77(1) of the consumer credit act 1974, which you have declined . Further, I note that you have sent statements and correspondence containing sensitive private information to me at same address as that detailed in my s.78(1) request. If you are concerned that you are corresponding with the correct person I wonder why you have not verified the information before. The time in which to confirm my identity was before your first threat letter, as you are now unsure that you are chasing the correct person, and have confirmed in writing that you have breached the DPA which you state you do not wish to fall foul of, you will close your files in regards this matter as you are unsure as to my identity. I can confirm that your failure to carry out the required Identity checks prior to sending me, confidential and sensitive information has been reported to the ICO for investigation, the only correspondence I require from you now is your complaints procedure, and confirmation that you have closed your files accordingly, any further attempts to contact me, will be reported as harassment Yours sincerely.

thanks 42man too, im using most of your template letters. im not too good at writing things like that, i really am grateful!

Thanks. I know! that was more or less what the template letter i sent them said! "Further, I note that you have sent statements and correspondence containing sensitive private information to me at same address as that detailed in my s.78(1) request. If you are concerned that you are corresponding with the correct person I wonder why you have not verified the information before." thanks for that bazooka boo. you guys write so well! i will reply with that piece of text you have written. i really appreciate all your help on here!

i have another letter today from lombard. this seems to be a reply to the "Debt Letter - When company refuse CCA due to no signature" template we have here. they state that DSAR carries a fee of £10.00 and CCA £1.00. blah blah then they sate that if i supply a signature and fee, they will be more than happy to supply the requested information. its hand signed in blue ink, but does actually read like a template letter.

hi, i dont have scanner so i cant sorry. please could you explain what yhou mean by accepting it? also, lombard replied today to my telephone harrasment letter stating that i have no complaint. they vaguely listed some of the phone calls they made and the reasons for them.. they did not mention the calls made to my parents house. she wants me to reply within 8 weeks or she will close my complaint. im complaining directly to th financial ombudsman stating this. im a bit riled that all the template letters i have sent have not made much of a difference to their position.

lol! they are indeed confuse! perhaps i should reply to tell them that? thans for thje reply

update. lombard have replied with a short letter stating that 'all letter requesting subject access need to be signed by your usual signiture'' 'upon reciept of the fee we will be happy to provide you with the relevant information' seems not to be a template letter, as the english isnt great. its hand signed by the; debt management and fraud relations person. they are really not complying. any ideas of what my next move should be? many thanks.

thanks for the reply. i had already sent them the account in dispute failure to provide a copy of agreement in prescribed timescale. seems that they are ignoring all the letters i send! ill keep the faith and wait and see what their next move is . thanks!

had a look and they did end me a default notcie. i dont think they have recieved my 2nd cca request letter, the template one i got off this site. i suppose i will wait for their next letter, as i dont really know what to do next? thanks for all the help again.

update. i have today recieved a letter from lombard headed notice of termination. it says my agreement has been terminated and they may take legal action against me to recover all monies. they may notify credit reference agancies about my status. please call us urgently to pay the full balance and avoid any further action being taken against me. i dont think they have recieved my latest letters i sent. which template letter should i now send if any? or what action should i now take. many thanks!

thats amazing info. good to know we can search them like they can search us! ive sent the letter you suggested recorded. thanks for the help!

triton credit services po box 550 manvers rotherham s63 3ed no oft licence number, just says they are trading name of RBS. thanks for all the help again