We had snow once didnt we? I seem to remember Newquay coming to a standstill for half a day! Some unusual ,white fluffy stuff on the roads !

You can count me in to your meet, i will have to travel all the way from sunny Newquay though!

Thank you for that reply, i will be sending that letter by RD today. Due to the fact that mobile phone contracts are not covered by the CCA1974, would i have any defense if they started court proceedings without producing the contract ?

I have received a letter from BCW with reguards to a mobile phone contract that i was disputing with Hutchinson 3G , i have asked 3G to supply me with a copy of the contract and to substantiate the default placed on my credit file, i have had no communication from 3G at all. This was over 6 months ago. I have just had a letter from BCW demanding full payment. As this is in dispute is there anything i can do to get BCW to provide me with the contract and T&Cs? I understand that mobile phone contracts are not coverd by the CCA1974, IS THIS CORRECT?

I just happened to leave it with a small amount on it because i wasnt using it for a couple of weeks and that is all it took to get LOVE FILM to forget about me ! it was great !

you could use a pre pay credit card to set up your account and when you want to stop their service just leave your card empty, it worked for me , now all i get is emails from them asking me to come back to them .

jessica rabbit !

Any further news on this thread?

had another reply from Dan Rogerson ,lib , North Cornwall, he has also contacted the FSA on my behalf and he will let me know any replies he receives. So that is OFT and now FSA he has contacted , good work so far dan !

pt2537, i will be watching what happens with your case as i fully intend to follow the same path with reguards to my littlewoods default removal.

That is my interpretation of the [8] default on our CRA files and as such i am continuing to battle with littlewoods and others to remove these incorrect entries. In my opinion this is where the actual battle is. Getting the incorrect "defaults" removed is not an easy task !

I wrote the whole thing in caps and that is how it turned out.........sorry!

I Have Received Similar Letters From Moorcroft, They Are All Empty Threats As They Have No Cca! They Have Admitted To You That The Debt Is Unenforcable, Hang On To That Letter, The Debt Is Unenforcable. Having Said That They Will Continue To Try To Get You To Pay Up, Any Court Action That They Decide To Take Can Be Defended By The Fact That There Is No Cca For This Account. In My Opinion I Would Ignore Their Threats But Keep An Eye On Any Post From Them In Case They Try To Start Court Proceedings , If They Do Then You Have Your Defence And The Letter Off Them Admitting That There Is No Cca For This Account.

i am at the early stages with moorcroft having addmitted that they have no cca. Having read this thread i will be expecting a summons from them soon !

Can you put Dan Rogerson , North Cornwall , on your list of MPs contacted? I have sent him 2 emails, he has contacted the OFT chief executive Mr J Fingleton , and sent me the reply that he has recieved from MR J Fingleton.

I think you will find that NDR are littlewoods in house recovery company. The stage i am at with littlewoods and NDR now is that they have ignored all my letters ans statutory demands, they have continued to apply charges and they have defaulted me on my credit file, they realy are the lowest of the low to deal with. I did not have any of these problems with Fashion world/reliable collections.

Just a little thing i have noticed, you are telling them the "ALLEDGED ACCOUNT " is in dispute then you go on to say that you will be making payment if they find the agreement. I think that offering to make payments is admitting that you accnowledge the debt. Just a thought !

that is strange that as great universal are part of littlewoods shop direct ! They all come under the same company umbrella!

Just had a couple of interesting conversations with Coop customer services reguarding the missing statements on my account. At 1700 tonight i telephoned customer services stating that i had recieved some information but it was incomplete, i was missing statements from year 1992 to year 2001. I was told by the adviser that they are required by law to destroy any information older than six years under the data protection act. I asked her to tell me which section in the data protection act she was refering to as i am quite familiar with this act. She said she didnt know but was told by her supervisor that this was correct. i finished the conversation with her and did some checking of the act just to make sure. i could not see any section to which she refered to so i again telephoned customer services to try to find out which section they were refering to, after a long time on hold , i was told by the adviser that CO-OPERATIVE BANK do hold statements and account information for longer than six years. I have the name , department and ID of the operator who told me this. Hope this is of help to anyone else dealing with co-op. Dont let them fob you off..... they do have your statements!

Been reading this thread with interest, i recently requested a copy of my credit agreement from Great Universal, after defaulting on my request they supplied me with a photocopy of my "signed credit agreement " after approx 3 months! i notice that the photocopy they sent me has the same headder as the ones that have been displayed on this thread! http://www.amiserve2.com And the signature block says " signed on behalf of shop direct financial services limited " and guess what? it is the same sig that is on post #28!

After numerous telephone calls and over 70 days from my SAR, Coop have sent me a large envelope with lots of information about my accounts , but they have only sent me statements going back 6 years. They have sent me photocopies of direct debits that i set up when the account was opend in 1992. I have sent them a 14 day LBA for the charges going back 6 years, that is totaling nearly £5000 ! I am going to write to them again requesting that they send me the missing information. In the mean time should i make a claim for an unknown ammount for the previous 9 years? Based on the last 6 years then this claim would be over £5000.

co op have sent me a list of charges on one of my accounts going back just six years. What i actualy asked them for was ALL information relating to all accounts that i have had since i joind them in 1989.

Hi everyone, I have sent a SAR off to co op bank asking for all information they have on me since my account was opend in 1989. I am planning on reclaiming ALL charges they have taken from me. This will be quite a complicated case and i would appreciate any help i could get. Thank you all.