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CCA and CCA follow up. Received responses which are frankly laughable

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I've attached both. IDEM was originally with M&S Finance, Robinson Way was Halifax - both credit cards.


I sent the standard template letters and follow up's to both. I've not received documentation from either.


What are the next steps? In a DMP, no interest being charged, and no PPI or charges to claim. Do I simply stop payments? Or is there a 3rd template follow up?


Help and thx

Edited by Wiggle61
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