Thanks Babydoll. Just been reading through the other threads you recommended. Takes some me to absorb the stuff going on!!! Think I am going to get in touch with a lawyer friend of mine and see what he says.

Yes the 2nd page is on the back of the agreement.

Right here we go http://i41.tinypic.com/2vdmvko.jpg - personal details http://i42.tinypic.com/r1a881.jpg - conditions of use etc Please can anyone advise whether this agreement would be enforceable or not?? Many Thanks

Thanks. I will have the CCA uploaded very shortly. Fingers crossed!!! :0)

Hi All I have received a copy of my CCA from Halifax and would like to see if this is enforceable (or not) I can't remember what site it is that you can use to scan and post the CCA to this site. Please can any one advise???? Thanks Ben

Hi all I have received a letter from Barclays stating I need to pay then £10 for my original Loan agreement. The loans had PPI on them and my request was for them to supply the loan agreements so I can have an idea how much I can claim back. Both Loans have been paid off. Surely I dont have to pay this fee - fair enough if I was asking for statements for 6 years but all I am after is 2 pieces of paper! The loans were taken out in 2001/2002 and paid off in 2004. Please help!

Hi All Well I was delighted (at first) to receive an offer today for missold PPI . They have admitted that I was not provided with sufficient info regarding the PPI insurance. Ive just had an offer for just over £2600. However that is where the fun stops (for now) As I still owe money to A&L for the loan itself they are wanting to credit the loan account to lower the amount I owe them. I have received a termination notice from them and the debt is now being dealt with by a DCA, Bryan Carter & Co. The debt has been with various DCAs since at least November 2007. Are A&L allowed to do this and not pay out to me directly??? Please can anyone help, the money would come in really useful at this moment in time Many Thanks Ben

Hi All I'm hoping I can get some useful advise on here about my account with Lloyds. I opened an account in 2006 and used it until around the summer of 2007. At that time I was claiming against Lloyds for bank charges and during the process I moved address, of which I informed them. It was in the same apartment block so had no concerns over the mail etc. To this date I have not received a bank statement from them - some 18 months after I changed my address details - and I have also not received a termination notice, so assumed that it has not been passed to a DCA. The amount owing is under £100 (the majority of it bank charges). I called up last night to be advised to go into a branch and speak with one of the advisors as they could not take me through data protection - I am now thinking that the account has bene passed on but I have not been informed. According to the banking code, Lloyds should be issuing regular statements to me about my account, which clearly they have not. I am wondering what stance I should take when going into the branch, as potentially I could go the the FSA and complain about them not issuing statements. I'm thinking along the lines of close my account and write off the debt as potentially I believe they could be fined more than I owe. Questions going through my mind are how much could they be fined etc??? Any suggestions???? Thanks Ben

Hi GuysWell well, gone down the normal route of trying to claim for bank charges totaling £900 plus interest but to no avail. Going down the court route now. I have the forms which I am completing now.........Question : Do I have to pay the court cost up front and if so any ideas how much it will be approx????CheersBen xx

Settlement reached in full on 13/9/2006...£150 in total....thabkyou co-op!!!

offer of 160.00 made...accepted as only part settlement. Letter of demand sent off on 1/9/2006

Letter received acknowledging 1st letter, but no offer made. Letter of Demand sent 1/9/2006

Capital One offered part settlement which was swiftly rejected. still awaiting reply....Letter of demand sent 1/9/2006

Letter of Demand sent 1/9/2006........barclays still have not replied to my 1st letter sent 11/8/2006......very poor service indeed

Letter of Demand sent off on 1/9/2006..........still no reply as yet!!