Thanks again dx, I will do this, out of sheer principle I won't give up as these people have caused me so much upset and stress over the years it would be satisfying to get back at them. To be fair I was in the wrong to agree to a loan from them in the first place and do wish i had the support from this forum earlier

Hi dx, I would like to pursue this but was wondering where this would get me as they stall and stall and sending countless letters never seems to get anywhere. I really would just like to get this resolved ASAP

Ok, so going back to post #84 is there anything more I can do?

Just noticed on the letter, they say 'Details of any account which has been closed over 6 years may no longer be held on our systems'... The account info i'm asking for is from 2004. Should i still contact them for this?

Thanks dx, i'll have to send them another strongly worded letter

Had the SAR request letter returned asking for another £10 and proof of ID again, even though i specifically stated that I have already paid £10 and provided ID for my initial SAR request. Thought i better check in here first, do I have to pay £10 and provide ID again? I wouldn't have thought so seeing as though the original request was not fully carried out...

I've sent the request off to HFC today, hopefully will get something back soon, I'll let you know as soon as I hear something. Thanks again for all your help, all I ever wanted was to get these people out of my life as it was a mistake getting involved with them in the first place.

Thanks for taking the time to look at this for me, I really appreciate the work DX, yourself and others have done. "Do you have a copy of the figures that would have been sent to you when this calculation was done?" - I've checked and can't find any record of this and there is nothing i can see relating to it in the SAR Can't remember anything about a Collection Charge rebate, I must have been mistaken about this. I can fully understand if it's too late to pursue this any further, it would be good to get something back but these companies make it so difficult - the main thing is that I would like to get a settlement from them as soon as possible and they won't correspond with me unless i give them a financial statement, which I am not keen on doing as they might try and get more from me somehow. I am hoping to get a settlement figure so that I can hopefully just pay them off, as paying £50 a month as the CCJ has enforced is going to take me years.

Thanks for all your time and help!

Hi, Sorry, just had another look through and found this...is this the right one?

Here's the agreement, well it's the only thing that looks like the agreement i can find...

Hi, Will upload agreement tomorrow morning first thing

Hi, I've attached files as PDF now. These 2 are the statement form the SAR

Hi, I've attached the relevant docs from SAR. Hope this helps

Nothing from the original PC loan but there is a loan agreement copy for the personal loan