Hi Everyone, [goto post 73, details until them are wrong] I’ve found out recently that my mother and her partner took out a 900 pound loan out with Scottish Finance in 2002. Originally paying back 30 pounds a week for 2 – 2 ½ years until her partner died. She then paid either 15, 20, 22 pounds a month ever since. It was passed onto DLC in 2008 and they keep calling her to increase the repayment amount, even though they know, she’s on the basic state pension. I’ve been to the CAB and they gave me a CCA request to send off, and then return to them with the reply. Unfortunately, the local CAB is now in crises and not answering their phones, or taking on any new cases. And I’ve been told it’s going take at least a month to get a return appointment. So I was wondering what to do next, basically. it appears my mother has repaid over 4000 pounds so far in ‘interest’ and the balance is still higher than the original loan. It’s around 1200 pounds. I sent the CCA request to DLC, and received a reply from Hillesden. Inside an envelope with a ‘return to DLC if undelivered’.! Their reply to the CCA says that they are ‘awaiting a copy of your original agreement and statement of account from your original lender…..’. I visited, what was the local office, of London Scottish and found out that they went into liquidation in 2008. And that they had left all their files behind, which the new occupiers (who I spoke to) had to shred and take to the tip. So basically, I think I need to know whether to wait the 21 days that Hillesden would like, which means the letter should hopefully wound arrive just before my new CAB appointment, and taken both letters there. Or should I send them a ‘failure to provide a copy…’ type letter and take all three letters along to CAB. She's not paying any money at the moment so should I send a in dispute letter? Or have they admitted that in the '...not able to enforce..." section. Any info, suggestions, or advice would be really helpful. Thanks, bob