Ok, well they've sent me the CCA from 1999. However, it appears to be a photocopy and not the original document. Am I right in thinking that it needs to be the original?

So you don't think it's worth me sending a SAR to Merit?

I haven't got any paperwork for this. The loan was taken out a long time ago. Probably around 2000. I was thinking of sending a SAR off to Merit?

Ok, sent the CCA request last week but signed it. Does this mean they're going to copy my signature and use it?

Thanks guys. I've checked my credit file and this debt has never been recorded on it. Looks like I'll be sending them a request for a CCA (loan was taken out in 2000 which I think means it needs to be the original copy?) Edited to add - does anyone have a link to a CCA request template letter and possibly anything else I need to send them?

Hi all, new on here and just after a bit of advice. Many years ago when I was young I stupidly took out a loan with ICF loans. Merit finance took the loan over a few years later and I've been paying them £50 a month ever since. Out of the blue I received a letter from a company called TBI Financial Services informing me that they have taken over the debt and I should immediately cancel my standing order payment to Merit and start paying them. Now, I'm not happy doing this as I've had no communication from Merit to inform me of this and I'm not prepared to start sending some random company money just because they wrote me a letter .So a couple of questions, 1) I'm pretty sure that this loan must be paid off by now but I haven't had any communications about it from Merit for years now so how could I check? 2) Has anyone dealt with TBI before? Thanks