Hi I am new to the site and just learning how to navigate the forums. Hoping I am now in the correct place to get some helpful advice. I have 4 very historic debts being managed for the past 6-7 years by CABOT and 1 with PRA. In the past few weeks, I requested a CAA and SARs from both which was a very revealing exercise. Low and behold:!: CABOT replied saying they could not find CAA for 3 historic debts so these are unenforceable but that I should continue with my monthly payments to my DMC. PRA replied very differently saying "current accounts do not require credit agreements and therefore no credit agreements have been set up when opening the account". How can these 2 Debt Companies behave and respond differently:?: I now plan to stop monthly payments to CABOT and would like your advice if there will be consequences! I am currently 70+ in poor health and want to be debt free in 2019:!: I have also sent GP medical and Cardio reports to both companies but did not receive any compassionate response:sad: Many Thanks for any advice and direction given. nacro:help:

Hi Folks, I'm having a number of issues with Quickquid and them supplying me information of all loans I have had with them. I am planning on putting in a IRL claim against them History: 30/07/18 - Sent E-mail request asking for all loans I had with QQ over the years (was a lot) Provided Date of birth, and all addresses I have had over the last 9 to 10 years 16/08/18 - No response received, sent a chase request 20/08/18 - They provide 6 account statements. I can only reconcile that against 2 of my loans (4 were potentially from an old bank account I had no access to) I was expecting another 14 statements. 26/08/18 - I chase up the missing statements 04/09/18 - Chase again due to no response 11/09/18 - Chase again due to no response 21/09/18 - Chase again due to no response!! 26/09/18 - I call them as this is getting ridiculous. They state they will make the information available on their website as a downloadable file. 28/09/18 - Information is now available. I download it and it is exactly the same as before!! Still missing all the statements. What should my next steps be. Are the actions I have taken essentially a DSAR or do I need to explicitly ask for this? Or should I now just go straight to the ICO and raise a complaint? Thanks in advance KO

Hi, If I have 4 accounts with one DCA, do I need to submit a separate CCA letter per account and a £1 postal order per account or can I just do one CCA requests to them listing all accounts and one postal order? I assume it's the former but wanted to check. Thanks

Hello, Long time lurker here looking for some help please. Thanks to the advice to others I have read here I have learned sooooo much! I defaulted on three credit cards in 2008 and have been paying £1 per month to each since then. They have all been sold on multiple times. Current situation: MBNA £17000 now with Capquest HSBC £3000 now with Robinson Way MORGAN STANLEY £8000 now with Cabot. I know I've been an idiot and it's all my own doing. I sent all three Cca requests on monday, unsigned with POs. What happens now? My token payments are due on 17th - do I keep paying? Thanks so much for any advice. This site is brilliant! Gettingmyselftogether (I'm giving it a shot anyway!)

Hi there. Just on the off chance my husband sent a request to Barclays to see if he had PPI on any of his cards. It turns out he had it on his Barclaycard Mastercard from Sept '97 until Dec 2004 and on his Barclaycard Visa from Sept '97 until Aug 2015. What would be our next step forward please? Thank you.

Hello. I have some debts with 1st Credit, Westcot, Frederickson, BLS to name a few whom (and switched hands between companies), from my Student days. 1st Credit is near 1.6k, the others are around £400 each. I currently pay back via the Citizens Advice agreements each month. Pretty much it's going to take 14 years to pay off 1st Credit for example. They all often send me offers/reductions on the debt if I pay today, or pay XX amount, Westcot notably just started doing this today for a £400 debt. Would I be wise in potentially sending requests through for the DCA taking control from the original creditor? Or will I be paying these for 14 years? Just seen a lot of posts of similar actions and wondering if it would be a possibility, and would their be any implications to me?

They ask me for 3 months regularily, just had one yesterday for a rapid reclaim as I was working for an agency for 2.5 weeks and was subsequently let go. The requirements for JSA, ESA, Universal Credit is that you to have less than £5000 in the bank otherwise the payment will get reduced. If you have over £16,000 then you will get nothing. Therefore the reason they ask for fully itemised bank statement to assess your entitlement is invalid. You can filter your statement in many different ways with any online bank so only relevant information is provided, but the DWP say you are not allowed to use these filters and they want every detail. Why? It is understandable that they want to see incoming payments to see if you have any other income (job on the side or whatever), but what right have they to access your out goings. Where you shop, whether you have drunk alcohol recently in a bar, where you go out, the grocery store you use, maybe you are making regular cash withdrawals which might suggest drug use. This request for your personal private data is excessive and has nothing to do with assessing your claim. If they want to know what your rent is you can produce the lease etc (which they already have anyway). If you question them about it they tell you that you dont' need to apply for benefits if thats the way you feel, as if an unemployed person has any choice. I'm interested in hearing peoples opinions and experiences with this, thanks

Hello, I rented a studio over 4 years ago through a London Agent; standard AST. The Agent secured my deposit (over £1000) with TDS. After one year my LL decided she did not need the agent anymore and offered to rent the flat directly to me. This, according to her, saved her some money to proceed with the needed repairs. I have been renewing contract (no changes in there) for the consecutive 3 years since then. Due to her numerous failures to carry out repairs (leaks, mold, poor insulation, lack of heating - literally she removed electric heaters from the walls to make the flat look bigger, fuse box issues - lights tripping out the box on a daily basis, boiler issues, shower power issues plus criminals next door, with their drug-related behaviour 24/7), I had enough and decided to move out, ending the contract in 2017. I gave her 2 months notice, but according to the contract I did not have to. She was extremely unhappy with my decision. On the same day she gave my private phone number to an Estate Agent; without permission&behind my back. They informed me that my LL decided to sell the flat and they would need immediate access to take pictures and show the property to potential buyers. I was speechless. I looked at my contract only to find out that she was in breach. The contract states that if the LL intends to sell the property, the tenant must be informed in writing 2 months prior the notice of intention to sell. Anyway, for the 2 months I have been harassed by my LL and Estate Agent so much, I had to take sick leaves as I was not able to perform my duties at work (she had known that I work nights only). On the day of my move she broke into the property (the police were called by my neighbours) and changed the locks. It's been over one month now and she does not reply to my requests for the return of my tenancy deposit. To cut the story short, when the new AST was up in 2016, she delayed it until the next month. She claimed that because of her delays in paperwork my deposit was protected for the time being as periodic, but she would protect it in full once the contract was signed. In 2016 I did not receive any reminder from TDS that the fixed term was ending and that action was required so that protection of the deposit continues ( this is what they say when asked about clarifying whether a LL complies with their rules). In the middle of my 2016-2017 tenancy I checked TDS (I had no reference number, nothing regarding the full AST deposit protection scheme from her). The only way I could check my deposit was by inputting the start date of the tenancy and full name on their website. The TDS could not find my deposit. I asked my LL about it and she said, blushing and stammering, that the deposit was in her account. I was at my wit's end so I tried to find my deposit with a reference number on periodic one. It turned out it's been periodic. My contract for the year 2016-2017 was not periodic. The previous deposit protection was fully registered and says: Tenancy start xx/xx 2015. Expected to end on or after xx/xx/2016. Can anyone advise how I pursue TDS and my LL about this? All advice/experience with LLs and TDS much appreciated. Thank you

Today my gf has had back two letters, one from Mint & the other from Natwest after requests for CCA (mint) and SAR request with Natwest. Mint have stated the following: Does this mean I would also be unable to request SAR from Mint & reclaim PPI charges? As for Natwest, they have asked her to sign a form, provide evidence of identification "certified by a member of staff at any branch or a solicitor!" & "As the purpose of your request is unclear, we require some further information from you to help clarify what you are looking for" Are they for real? She'd have to take a day off work to be able to goto the bank just to get the ID authorised. I used the template letter from here & quoted 4 Credit Card account numbers and an insurance policy number.

Have you ever tried to make a subject access request to Lloyds bank and been told that they don't keep data longer than six years? Well basically it's a lie – but you wouldn't expect anything else from Lloyds bank. They use an archiving service in Andover and you can get data going back at least 2001. Their address is: – DSAR Unit Lloyds TSB Customer Service recovery Charlton Place C46 Andover SP10 1RE And they even have a telephone number: – 0345 0707124 Although I don't know whether people are prepared to speak to you. Apparently the same archiving service is used to store data relating to TSB, Lloyds TSB, RSP, Halifax Bank of Scotland. In other words all the usual suspects who have ripped you off over the years and then try to obstruct you from getting a full data disclosure. You should still contact their head offices or your branch for your data disclosure, but when they come back to you and say that there is only six years then that is the time to start objecting and to make complaints to the information Commissioner. You can make an SAR request directly to the data centre as well, of course.

On the 20th September I posted off nine CCA requests all by signed for post. Of these only one company NCO (Amex ) have sent a copy of the CCA which I posted up under the AMEX sub forum. Two have replied and said they have asked the original creditors to supply the CCA and one has returned my request and postal order and asked me to write to the creditor directly. So five have not responded at all, what is my next move ? Is there a template letter I can send ? Mine is outdated as it has a reference to the defunct OFT. Thanks Everett.

SCOOP has links today to two Freedom of Information requests that feature on the very popular website: What do They Know. http://www.scoop.it/t/lacef-news It would seem that two individuals are making highly vexatious Freedom of Information requests. It is such a shame that this practice is going on as I fear that before long, the government will amend legislation so that a charge will be payable for each FOI request. The first link on SCOOP is this one from an individual by the name of Wayne Pearsall regarding Removal of Implied Right of Access. https://www.whatdotheyknow.com/request/moj_implied_right_of_access_remo He has so far made 242 Freedom of Information requests using the What do They Know site. There may well be many others as well that are made direct to the relevant authority etc. https://www.whatdotheyknow.com/user/wayne_pearsall Typically, when he does not receive the answer that he wishes.....he requests an 'internal review'. Most telling is Mr Pearsall's request dated 20th March to the Home Office entitled: 'Vexatious Correspondence and Complaints Process" https://www.whatdotheyknow.com/request/vexatious_correspondence_and_com_2#comment-58908

Hi I know it's Christmas but really hope someone can help me out urgently, I've had a claim through from cabot financial with 'right hassle' acting on their behalf for a very old Egg account. I submitted the AOS now need to put together a defence in the next 2-3 days and submit by thursday next week (i think that's the deadline having used the 33 day from service calc). Claim details/points Claimant - CABOT FINANCIAL (UK) LIMITED Address for docs & payments - WRIGHT HASSALL LLP Date of issue – 24/11/14 POC - POC ATTACHED but I can type this out if need be. [ATTACH=CONFIG]54992[/ATTACH] - Not sure if important but POC seems to include a mistake or two: using # symbols instead of £, also they quote a #19,***.** balance for the debt (far in excess of the c14K at close of account!?) and then go on to ask for interest of exactly the same total: "The Claimant therefore claims the sum of #19,***.** interest under s89 County Courts Act 1984 and costs." surely this is wrong and a basis to defend/strike out? Claim Value - ALMOST £20,000 Original Creditor - EGG (Card Account closed 2006) Type of Account - CREDIT CARD ACCOUNT Agreement entered pre-2007? - Yes 2004 Account assigned by Debt Purchaser? - Yes, by CABOT (bought from Egg 2009) Notice of Assignment? NOT SURE if I have a properly worded NOA: - had a letter from EGG (OC) late 2009 stating "We hereby give notice of the transfer of the debt due to us by you.. ..On XXX 2009 your account was sold to Cabot Financial.. .Any further communications and payments must therefore be addressed to Cabot...etc." -had a "Welcome to Cabot" letter stating similar (is that acceptable as an NOA) Default Notice from the original creditor? - YES 2006 but not sure if correct Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - YES BUT NOT EVERY YEAR (not in 2011 & 2012) Why did you cease payments? - BUSINESS IN TROUBLE SO SEVERE FINANCIAL DIFFICULTIES What was the date of your last payment? - to the OC May/June 2006 (can check exact date if needed) - to the DCA not sure either late 2008 or very early 2009 Was there a dispute with the original creditor that remains unresolved? Possibly - PPI charged when not asked for, this was refunded (2004) but can I use this? - CCA request to ARC in early 2009 recorded post, responded with a copy of a signed Egg Agreement but not the entire terms, very brief 2 pages - pretty sure I wrote back "account in dispute" as requested docs not supplied but what if I can't find letter/postal proof? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? YES, I wrote to them saying that I had severe financial issues asking for account to be put on hold, that I had been in touch with National Debtline (gave them the ref number) and had been making recent smaller payments, They wrote back saying no can do. PPI - as mentioned above never requested/applied for but charged at the start of the account, I lodged a complaint and was refunded the 2 charges. Interest - The interest has been accruing since the account moved on and has grown from c£14k to almost £20k, surely this is wrong when there are no details as to how they have come by an interest rate, what terms do they rely on etc? Can anyone help me out with some advice please, am I on the right track with some of my thoughts above? Most urgently I'm not sure if i should send any further CCA requests to Cabot or WH or even Egg? Too late for a CPR31.14? If i can get the letters into the post tomorrow morning they will reach the DCA/OC by Monday morning recorded delivery which gives almost a week - but I need to send them by 12pm tomorrow so if anyone is out there please advise. Many thanks. GF2k

I recently sent CCA requests to Barclaycard for the two cards i have with them and have received replies to both requests. I not sure however how to interpret them and how to proceed. A little background might help to explain the situation. The two accounts are positively ancient. I'm not sure when i got the Mastercard account, i think it was a few years after the Visa account, but when exactly i don't know. I know when i opened the Visa though. It was opened when i went to university, in 1984. I've been making reduced payments to Barclaycard for about 4 1/2 years under what i assume is an arrangement to pay. But i don't know as Barclaycard have not been reporting the accounts to any of the CRAs. Its odd, but i've checked all 3 and they're not on any report. So i'm unsure what to do. Do i leave things alone knowing that its not going to effect my credit rating or do i make a claim of unenforceable debts? Any insight or advice would be most welcome.

Hello, We have just given notice to vacate our property after after being here almost 3 years. We signed a 6 month AST back in 2012 and have been on a rolling contract ever since. About 9 months ago we received a letter informing us that our tenancy was being transferred to new agents as ours were retiring abroad, and have since had several inspections from the new agents, but signed no new contracts or agreements. Our contract with the original agents was quite basic and reflected the state of the property. We asked about paying a higher deposit as we had pets (something we’ve always done before) and having the property professionally cleaned when we leave (also always done before) but were told that it was not necessary, and the contract reflects this as nowhere does it state either. The inventory actually describes the carpets and walls as “grubby, stained and marked.” Under "checking out" it says that we need to leave the property clean and tidy, and ensure items listed in the inventory are returned to their original position. Thats all. We have now received a checklist from the new agents of things to be done prior to vacating, and it includes getting the carpets professionally cleaned and proving so with a receipt. Do we have to do this? We have no contract with this agent, and I appreciate they have high standards, but the previous agents and landlord didn’t and I don’t think it’s fair to expect us to make good marks and stains that were there when we moved in. It hadn’t even been dusted or cleaned when we moved in – it was awful. We will obviously clean from top to bottom and leave it in a much better state than when we moved in. Similarly, we asked for permission to decorate and kept colours neutral as requested – light blue that used to be dark brown, and white that used to be lemon. The checklist asks that we return all walls to their original colour. It also asks that we clean the windows externally – which has never been done by the looks of it! Are we within our rights to question these requests? Or is it a case of, they have our deposit so have got us over a barrel?

The new bailiff regulations came into effect on 6th April and bailiff fees are strictly controlled and comprise of a Compliance Fee of £75 which is charged when the debt is passed by the creditor. If payment is not made or a payment agreement entered into during the ‘compliance stage’ a bailiff may attend the debtors premises and an Enforcement Fee of £235 is chargeable. Significantly, the new regulations provide that from any payment made (whether to the bailiff, the magistrate court or the local authority) the Compliance Fee of £75 is deducted first with the balance being split on a ‘pro rata’ basis between the debt to the creditor and bailiff fees. This novel approach means that unless the amount due (including bailiff fees) is paid in full, bailiff enforcement may continue and it is this point alone that has caused extreme difficulty to some ‘debt avoidance’ websites with associations to the Freeman on the Land (FmoTL) movement and 9 months after the regulations came into effect it is astonishing that debtors are continuing to be advised by such websites to avoid paying bailiff fees by paying the amount of the Liability Order or court fine only (minus bailiff fees). Despite the regulations clearly outlining how payments are to be calculated, in May/June an individual made numerous Freedom of Information requests to Local Authorities seeking clarification as to how they deal with direct payments made to them after accounts have been passed to bailiffs. Since that time many more FOI requests have been made on the same subject and the up to date position is that approx a quarter of all local authorities have received requests on the same subject. What has been the outcome of these Freedom of Information request? Typically, in the very early stages (May and June) most responses made clear that the local authorities had very little idea as to how the new regulations would work in practice but, since August/September the vast majority of responses confirm that they apportion the payment as outlined in the legislation and that they advise the bailiff company accordingly (or credit the bailiff company) with the payment. PS: It is likely that there are far more FOI requests than outlined here. I have only referred to those that are available to view publicly on the FOI website: What do They Know.

Hello all, I personally feel that having borrowed money i should endeavour to pay it back. However, the interest rates now being applied to my Credit Cards is crippling and even though i am managing (Just) to pay my minimum monthly payments the debt is not getting noticeably smaller. I have CCA'd 8 of them i month ago and only got 2 replies, neither has complied with my request 100%. If i wished to get out of my debts i could possibly go down the CCA road do just that BUT that is not what i am after. To this end i have compiled the following letter. Dear Sir or Madam: I am writing to you now before I get into arrears with yourselves to see if there is any help available for the situation I find myself in. I am currently well over committed with my financial obligations and since my wife is now only working part time I find that I am merely moving money from one debt to another to make the minimum payments. My debt is actually increasing and I can see no light at the end of the tunnel. I have considered options including bankruptcy and as house values have fallen so much I feel that I have nothing to loose. However, I feel that as I have had the money (Except, of course, the interest) I wish to re-pay it. To this end I am writing to all my creditors to ask them to freeze interest payments on my accounts. This together with a little help from family will allow me to make the regular monthly minimum payments that will actually see my debts de-creasing. Of course if you accept this I would return my credit card. As you can see I’m torn between the wish to pay what I owe and the easy option of wiping out my entire debt with bankruptcy. I am hoping that all my creditors would consider this a fair compromise. Yours faithfully Opinions would be greatly appreciated as to weather i am just wasting my time and by sending this will i lose anything i may have gained with the lack of CCA. Thanks in advance

The new bailiff regulations came into effect on 6th April and bailiff fees are strictly controlled and comprise of a Compliance Fee of £75 which is charged when the debt is passed by the creditor. If payment is not made or a payment agreement entered into during the ‘compliance stage’ a bailiff may attend the debtors premises and an Enforcement Fee of £235 is chargeable. Significantly, the new regulations provide that from any payment made (whether to the bailiff, the magistrate court or the local authority) the Compliance Fee of £75 is deducted first with the balance being split on a ‘pro rata’ basis between the debt to the creditor and bailiff fees. This novel approach means that unless the amount due (including bailiff fees) is paid in full, bailiff enforcement may continue and it is this point alone that has caused extreme difficulty to some ‘debt avoidance’ websites with associations to the Freeman on the Land (FmoTL) movement and 9 months after the regulations came into effect it is astonishing that debtors are continuing to be advised by such websites to avoid paying bailiff fees by paying the amount of the Liability Order or court fine only (minus bailiff fees). Despite the regulations clearly outlining how payments are to be calculated, in May/June an individual made numerous Freedom of Information requests to Local Authorities seeking clarification as to how they deal with direct payments made to them after accounts have been passed to bailiffs. Since that time many more FOI requests have been made on the same subject and the up to date position is that approx a quarter of all local authorities have received requests on the same subject. What has been the outcome of these Freedom of Information request? Typically, in the very early stages (May and June) most responses made clear that the local authorities had very little idea as to how the new regulations would work in practice but since August/September the vast majority of responses confirm that they apportion the payment as outlined in the legislation and that they advise the bailiff company accordingly (or credit the bailiff company) with the payment. PS: It is likely that there are far more FOI requests than outlined here. I have only referred to those that are available to view publicly on the FOI website: What do They Know.

I too fell foul of Parking Eye, stopped for 33 minutes in a staff carpark, in Poole September 13th 2104. I did the silly thing of appealing, stating the reason for temporarily using their facility, which was rejected. One of my main concerns, is that the legal framework has moved on a bit, and Parking Eye have updated their process to improve their success rates. Is the advice still to ignore the parking charge Notices from Parking Eye? Thanks, Graham

Hi everyone Long time lurker, have successfully used advice from these forums in the past, so a big thank you to everyone taking time out of their busy lives to help all of us who are unfamiliar with how to deal with such agencies. Back in 2010 I fell into debt due to a business failure. I have a few creditors and all but one have been very reasonable. Following advice from the then CCCS I entered into agreed payment arrangements with my creditors and this has been working fine for both parties involved. I recently received a letter from Shoosmiths with regard to the Natwest debt. It was my understanding that Shoosmiths were debt collectors who had purchased the debt from Natwest as I am paying Shoosmiths directly, and have been for quite some time. They are asking quite aggressively for me to fill out a pretty invasive form which includes the expected income and expenditure but also lots of other personal details that I wouldn't normally pass on to anyone, such as employer details, asset details etc etc. My question is, what information am I bound by law to pass to them? I feel that a basic income and expenditure budget sheet should do, but they are threatening court action if they don't get everything they want. I am furthermore uneasy about providing personal information after having read of their failings by sending a lot of debtors information to one debtor they were pursuing. Any advice would be greatly appreciated.

A further update on many of my different posts for an old lady this one is Capitol One CC taken out in 2004. I sent to Lowell's a CCA request the time has passed and no details have been forthcoming, the account has now been placed on hold awaiting the requested documents. A further phone call has now confirmed that Lowell's are now quoting they have 40 days to comply with a CCA request, we all here know that it is 12+2 days to sort out. The regulations about this can be found here, http://www.oft.gov.uk/shared_oft/consultations/OFT1175con.pdf please check out part 2.14 this clearly states 12 days, + 2 days due to posting this out. It is confirmed that the 12+2 days are working days, Monday to Friday. We at CAG have always known for a long time that DCA's cannot read and quote all sorts of wrong things, This debt as well as many others have all failed to comply with the CCA requests, the new letters will be in the post tomorrow for this. Why the blue blazes do DCA's think we as adults can not Google the law? They are totally misquoting rules and regs in anyway they see fit. I know what to do next but wanted to show new posters what is what and that they (DCA'S can) say/do in regards to a CCA request, check out the OFT link if they wish to do so. Thx for reading. Oh btw this is also happening with Fredrickson's, Cabot and Moorcroft on these/other matters. At present I have 6 unfulfilled CCA requests as of 03/02/2014, what the blazes is taking them so long. Page 28 onwards for the layman are very interesting reading, as when a DCA replies to your request they MUST use plain English, and explain to you that the rules they are using for/not responding to your request, so in my eyes when a DCA replies with reasons they cannot comply they SHOULD NOT use long legal terms for this, am I ready this correctly? With this next line is a question that if you can answer will be very interesting, The lender should also give you a copy of any documents that are referred to in your agreement. My reading of this is (A) if it is a fixed credit agreement and you provided ID does this then have to be included as well, or copies of such? (B) if no such documents are enclosed does this make the request unfulfilled? • show you the original terms and conditions and any later variations © again if no T&C's or any amendments included does this make the request unfulfilled? • contain all the information and statements of protection and remedies (D) If no statements have been sent does this make the request unfulfilled? • be easy to read. (E) If the copies are unreadable i.e. blurred does this make the request unfulfilled? The link appears broken so have attached the PDF for your reading MM

Hi Guys In the event of requesting a CCA or DSAR and sending payment for the requested information, they attempt or align it to the debt to reset the SB 5 / 6 year period etc. While we all know that it doesn't... A certain DCA I've come into contact recently assisting a friend has aligned it to the debt and claimed that a £1 payment has been made to reset the SB period. What's they best way to combat this? If this was to hit court then how would you defend this?

After chasing up my own request made in November and being told by the BDC that they hadn't received any such request, I did a bit of research. It seems that this is not an uncommon event, BDC's up and down the country routinely mislay, erase, or as in my case just refuse to admit they received a request. The 40 day response time is also routinely ignored, one person I contacted told me they finally got the information six and a half months after requesting it, and that was after sending in three applications. Interestingly the DWP state that the address to send SAR requests is 'found at the top of letters we write to you', which is what I did. I was somewhat bemused to be told by a spokesperson at my local BDC which is supposedly based in Hackney East London but has a Nine Elms Lane SW95 address, that it's actually Glasgow benefits bentre that process London claims, and any correspondence to them gets routed through Wolverhampton first! So I suppose Hackney processes Glasgow's benefit claims then? All done in the name of efficiency of course. I often feel the DWP are obtuse at times, I've now come to the conclusion that they are round the bend.

I have made two SAR requests to the YB one via myself and one through my solicitor both times they have said they have haven't received them !!!! is this normal for the YB the ombudsman says they are not easy to deal with has anyone got any tips as time is of the essence .

Hi All, Apologies if this is posted in the wrong section or has been answered elsewhere. I am dealing with Hillesden/dlc and am going to send a CCA request for the original credit card agreement. I have read a lot on here regarding the CCA request and what they must supply but my question is this: The credit card agreement, with Citi, was taken out in 2001, so do they have to send a copy of the original signed agreement, or can they just send a true copy of what the agreement was back then, without my signature. I understand that a lot of agreements prior to 2007 were inaccurate or didn't comply with certain guidelines? Many thanks for your help, and sorry again if posted in the wrong place!