which letter should I use then? Is there nothing I can do as the request has gone over the 30 days?

Even though it has been 2 years since the original letter was sent requesting the information and still nothing?

Can you please tell me if this sounds ok? Dear Sirs Thank you for your letter dated 29th July 2011 stating that this information was already requested on the 23rd June 2009, can you please send me all the responses from 29th June, 10th, 22nd July and the 3rd August 2009 as I do not recall seeing them. Also since this request has already been made 2 years ago and the agreement has still not been located therefore this is an unenforceable debt and your request for payment is now a criminal offence. I trust this account is now closed and any defaults you may have attached to my credit file as a result of this account are now removed, also any monies owed to me that have been falsely taken with regards to this account be paid back in full. Again thinks for your help guys it really is much appreciated :o)

Hi guys, well a quick update I have had 2 letters back from Cabot and one states that they had a letter from 2009 requesting this information and they are still waiting, am I right to assume I can now write to them and state that they are committing an offence by asking me the pay the balance as they failed to come up with the agreement? This was the company I mentioned earlier who dragged their heals in sorting all this out. Also the other letter I received said they are requesting it from the original company but I know there is a new law but will this be effective on this account as it went over to Cabot in 2008?? Thanks guys you are being a really great help

I sent them off yesterday so fingers crossed something comes from it in my favour!!

oh about 3 years ago the last payment was made, I have the proof here they were sent recorded delivery too so I can track them. I have all reciepts and copies of the letters. I don't know why I didn't just do it myself first time round, I suppose I thought it would be quicker going through a so called law firm.

Hi Guys Thank you so much for your advice, I have sent the letters this afternoon but it was a template I got from an earlier post with the £1 postal order attached. The loans and credit cards were all in my name Zorro so really I have no leg to stand on and considering he has done a runner and I have no idea where he is theres no point in trying to pursue that one! Yea I have kinda learnt my lesson from paying one of those companies but thats money down the drain too! Wonder if I can get that back?? hmmmmm I will let you know the outcome of these letters, only prob is I did sign them and now I am worried they are going to pull a fast one on me!! Many Thanks

Hi I am new to this site and I need some advice, I am about to send these letters off to Cabot, Fredrickson International and Mackenzie Hall what are the chances that these are going to be sucessful? I know it sounds like a stupid question but these debts have had me under a lot of stress the past 9 years and I just want them fininshed with. Its a long story but I helped out a now ex who in turn didn't help me and I was dumped with the repayments as well as the flat rent and bills!! So very stressful time. I just don't need all that stress again, my loan is with HSBC as well as a Credit card both with Cabot the card is 12 years old and the loan is 9 years, Fredrickson is Littlewoods from about 6 years and Mackenzie hall is Capital One from about 6 years too. I did try doing this through a company but they were dragging their heels alot and were taking payments off me but nothing seemed to be happening what I am weary of now though is that they will have these documents from that point? Im rambling now sorry but please any advice will do :o)