Well done Pete I had re-read the thread again today and this was still a shaded area so after reading so many posts, is good to have some type of topdog confirmation:)

OOps just been advised the CCA doesn't cover current accounts or Overdrafts. I missed that one:o BL:)

Many members have incorrect defaults by telewest. This link has many situations. http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed-broadband/9306-telewest-10-00-late.html?highlight=%A310+telewest SAR's are ignored and communictaions in Telewest are none existant. The only way to turn this around is if we continue kicking. I have a default i want removed and I belive my charges over 6 years are in the £100's and i want every penny of it back. If you have a Default theres a very high chance they have your charges too;) Good luck BL:)

Certainly a move in the right direction;) now just to work it into an agreement to clear the rest of the debits with lloydstsb:D .

Agreement not recieved after CCA sent. I had a Quierie with PPI. Offer recieved today to write off the remaining balance of £686 on the grounds they had no proof there was not! a mistake made with the details on the agreement. Keep Kicking arse its worth it. BL:D

GOOD NEWS TODAY. (Adding to this thread to encourage the use of a CCA request i would never have got this far with out it) They admit No agreement so they can't prove that there was no! mistake made when I signed the agreement and wether I ticked the PPI request or not, so they are willing to write off the remaining Loan balance: £686.75 :D Not sure if i should accept this or go for full refund, 18 months ago i entered a repayment plan with lloyds on this @ £8 a month and they went against this agreement and deducted £25 a month for the last 6 months. Also braking a direct debit gaurentee. So i may ask for the loan to be refunded as far back as 18 months as that is when i would have been helped if the PPI had been started. Any thoughts on this thanks BL:) PS my £1.00 postal order of 11th Nov has been returned once again, they seem to think the agreement for a current account in 1992 is no necessary. However they do seem to think that an agreement for the overdraft made in 2004?? is sufficient, this is just a computer print out of usuall letters, agreed raise and T&C's.

Battle Axe please get some pics up would love to see it, my cat only gets in the bath when i use the loo, hes straight for the plug hole. IM sure he thinks having a wee is a group thing:rolleyes: "dont blame me!blame his mother!":D He sits on the side when im having a bath and im more petrified than he is, as if he slips i get the brunt of the gripping and grabbing of some mighty painfull claws.:o

SO any tips would help Thanks bready Oh dear this is an ID card thread and its routed off, Battleaxe do you fancy opening a thread to help others gain help through Doctors notes and MRi's/ any hospital help realy. Ive seen a few people stuck in situations on teh forum. If we get these 2 posts moved could start it off. May be "Requesting your Medical Notes" ?? I will leave it with you. ;-)

All the Same place i did my training there, it was to show how easy it is found on google;)

I think it may give them way to soon a signal of your game play as once you recieve the S.A.R - (Subject Access Request) you get to rummage through all the juicey mistakes. you are wanting to sue for bank charges after the S.A.R - (Subject Access Request), so the best thing is to not give out the red flag yet;) If a CCA disputes the accounts you can do this after SAR once they fail to supply. You can request the agreements a few times after the SAR would make you look a resonable and patient account holder in court, and show the banks have had plenty of time and abused your kindness. So when you CCA, it shows you were left at a point of no other option, also looks good you in court. or i hope it does lol, as im sitting pretty if so ;-)

only read first post as in a hurry but just wanted to say i had this problem when i agreed to change my supplier. I recieved a bill for only £60 but £60 i didnt have, i was extremely cross and advised i had not been told at the signing of the agreement that this would need to be paid and I was under the impression the whole account would pass over and the new suppleir would take the account as it stood. yes nieve in those days, but as i was not advised i would have a final debit immeditaley due, (when i had advised the salesman that i was on a debit pay back agreement), So they reconnected my supply and all went back to normal. Not sure if adding this to your communictaions may help sorry cant read the whole thread at mo. Surely giving someone an agreement and not advising of the actions and change in circumstance that will follow. Would not look very good for them. BL:)

Just to confirm i dont have to send them a second request do I? They had the SAR and The CCA. Thanks BL:)

no its fine very greatful to all replies didnt want to stop the flow of the thread its going well but its a sod to get through and kills the eyes. I have a few twists in my case regarding my accounts, i am organising the cards in a fashion and playing the lot with a reduced offer, non negotiable take it our.. we can go to court. Still working on the letter but needed this confirmed to do the figures. So interest and set up fees from date of agreement are to be repaid to me, (of course thier argument will be but i can't confirm the date they held the agreement untill and should all funds be repaid,) as at somepoint the agreemen existed, in which case "provide the proof of up untill the last day you held it" So i will do my figures at 8% refunded and see what figure i get i think that will be more than enough to egt me to the position i want, im quiet happy just to walk away from lloyds that will do nicely BL:)

HI D5T I do all my request via postal order you can have the name printed directly on to teh postal order and this is also on your reciept. Date the letter the same day you purchase the postal order and the same date you send it recorded delivery. They all tie in alot better if you wanted to use it as proof of paying. Even if they return it. BL:) (There is no proof you ever wrote a cheque.)

Oh i missed this WIN...EXCELLENT NEWS, the AA put up a fight but when they are wrong, they are wrong, and kicking them is the only way. you must be realy pleased BL

Hiya As this is such an active thread containing members with CCA knowledge can i ask with out disrupting the flow to much. I understand that the Banks can request all money returned under a debit with no agreement. I have alot of info on the CCA issue i just need teh below clarified please. SO. If no agreement, then no T&C so does this mean when the bank requests full return of the loan, ( i know the court status issues on this, but its working in my favour if they do) They can do so but without adding any further interest as no T&C. SO Does that mean all interest paid to date needs to be returned or deducted from the debit owed, along with setting up fees this is in relation to 2 agreements 1992 (advised not necessary to supply as to long ago) 2004 Thanks BL:)

Hi CArCAv You may well have a connection to legal advice, do you work for a big company that has its own vehicles, have a chat with the fleet manager, work your way up through to purchasing, you never know you could get 10 minutes on the phone from a legal department who deals with the purchasing problems. Ive done the same when i worked in finance, you never know untill you ask;) BL:)

Welcome Car Finance Mere Way Ruddington Fields Business Park Ruddington Nottingham NG11 6NZ. googled

Hi Jules Welldone:D the Wakey nights on you then;)

I have a lot of illness on the A&E computer that is not known to my GP, recently having a medical it was only my gp's records that where taken into account, there where no registered falls (3 x in a week) resulting in a broken foot. There was no notes regarding the dizziness which was part of a neurological infection, I left A&E one morning having the plaster removed from my foot and 50 minutes later attended a prebooked neurologist, who even though in the same building never had my notes form the previous 3 weeks visits to A&E. If the GP's and the neurologist and the A&E where linked I would not have spent months with no treatment laid on my settee while my body shut down. I was given a prescription drug by A&E and this was also not on my GP's notes. How persons who are not of sound mind cope i do not know, at least i was able to pass some information across, i could have been been on 2 courses of treatment that disagreed with each other and no one would have been the wiser. So for these reasons I feel it would be easier to provide better health care and also monitor people who are a danger in society to them selves and to others. However also after receiving neglect and ignorance in huge dosages and now supporting my illness by means other than the NHS I certainly dont trust them with my life, as they nearly killed me. But hell unless you win the lottery there isn't an alternative around the corner.

Agh yes you could be right as the allowance taken off my bill is £17.50 but I think its the same which ever home has a soak away hhhmmm May ring them on Monday and ask. thanks BL:) Just checked the 2007 charges and its a £34 surface chrarge across the board so thats not it.

Some act's are governed by the state and not parliment. ( oops dropped an a) I.E. acts of state and not acts of parliment ( aaaand there goes another A ) and the relevance of this is now for your original question... Well slap me round the face with a wet fish.. shall i retrieve one from the fridge for you sire, and i thought a Chameleon was clever yes i must stress it was a shame and "oh i thought be still my beating heart", as it was in such a delicate state when I looked up through the thread to see that it was actually one of yours, but alas to late I had already provided a link for stansfield5131 who had up until that point got not a squeak of anything resembling a mind joggling riveting post of information. So off I go dear friend back into the woods of misfortune and will leave you to the cellars of the Almighty CAG were you can rest in wait of your next victim MMWWAAAHHAAAAHHAAAHAAHAAA

its in the link Law firm Bindmans - which is handling both cases - argues that laws governing data protection in India are not as stringent as those required in the UK. My post read Good article here, the countries dont have the same Data Protection Act and a customer may have the right to object to the information being abroad, think the bank would then say get lost then:rolleyes: I Which means they dont have the same protection act, so not sure of your question?

Just for the record i haven't written anything contrary to what you have written not sure what your rant was for agghh such wasted energy..

I thought you would like my post james it was made especaily for you all wrapped in hugs and kisses