Hi ALL, The last I heard was from Horwich Farrelly, who said they were waiting for instructions from the creditor, this was in Dec '10. I received a statement from AA in Dec '11. It does not exist at Experian. GILL5BLUE

Hi ALL Updating my threads and signature Well it was all very interesting, They sent my CCA but also 8 other peoples-I contacted as best I could all the people who Cap1 sent me details of, I had thankful replies from some. I passed the originals to ICO who said they will deal with it. Cap1 reduced my account to zero and no default exists on my file. I'M HAPPY GILL5BLUE

Hi ALL Updating my threads and signature Well it was all very interesting, I contacted as best I could all the people who Cap1 sent me details of, I had thankful replies from some. I passed the originals to ICO who said they will deal with it. Cap1 reduced my account to zero and no default exists on my file. I'M HAPPY GILL5BLUE

Hi ALL, I'm updating my threads, also my siganture. The last time I heard from CITI, it was Cannaught collections who in response to my letter stated it will take them more than 12 days to receive info from CITI, this was in Dec 2010--and I'm still waiting. Interesting the Default and account has dissapeared from the Experian Report. I'M HAPPY GILL5BLUE

Cheers I have already done that, I was looking for info, to read up about. Thanks for the help good luck in your own cases gill5blue

Hi Thanks for the replies, no this is a Barcleycard(CL Finance-Howard Cohen) I am specifically looking (hoping) for a loophole, to see if they have done something wrong-demanding monies when the court case has been stayed gill5blue

Hi I am looking for threads that have been to court and been stayed, I have a court case like this, I now have recieved letters demanding the full outstanding balance. I have searched but cannot find anything to help me. Can you help?

Thankyou PGH, I shall try and find out who thinks they have the debt, I will check my paperwork(I do scan and file all correspondence), because I think the court wrote that any communication is to be forwarded to them. Cheers gill5blue

Hi, thanks for replying. The statement of account was recieved from CL Finance. The letter I recieved from Barclays stateing they had satisfied the requirements of section 78 of the CCA 1974, and requested that I should pay them. The account is currently stayed at court(may 2008) gill5blue

Hi I started a thread a while ago, but it was confusing, because I was trying to deal with 2 credit cards on the same thread. I have decided to start a new thread for clarity purposes. Here is the summary! MAY 2007 Sent letter to Barclays requesting CCA(using template) JULY 2007 Barclays in criminal default JULY 2007 Recieved letter from Barclays, with an unreadable application form enclosed SEPTEMBER 2007 Sent Barclays the no acknowledgment letter APRIL 2008 Receieved letter from Howard Cohen stating the account has now been allocated to them APRIL 2008 Sent letter to HC stating it should not have been allocated to them MAY 2008 HC (CLFinance)put a claim in to court and I defended-it has now been stayed. FEB 2010 I wrote to HC asking them to withdraw the court claim, reduce the account to zero and remove any defaults. AUG 2010 Recieved letter from Barclays, stating they have satisfied section 78 of the CCA 1974 and requesting payment SEPT 2010 Recieved statment of account. This is a summary of the correspondance, and I would love some help with a few questions, if any one can assist. 1) Are Barclays wrong to write to me in Aug '10 requesting payment when it is stayed at court? Gill5blue

Yes I have a dog, but the free bags are too big, and I wouldn't swop my dog for an elephant

Me too, x x x

Cheers for that I will check the info i have. ok ive checked and the defaults are both for arrears. But I do have a letter from 1st Credits Solicitor LCS asking for full payment within 7 days(or else) Can you direct me to the template for unlawful recission or what are your opinions? gill5blue

Thankyou Both, What can i do about that, as they are both invalid, I am hoping to lose the amount I owe gill5blue

HI Am I in the correct place to see what I can do about 2 invalid default notices?

thanks miss muppet

Hi Enron I really dont believe they have a copy of the original agreement, I think this is an old Access card(takes you back a long time ago). They only send me 30 pages of typed info-not the original agreement. I thought invalid default notices had some arguement to fight for and I recieved 2 in one month.

Hi I recieved a default notice for: Letter dated 06/02/08 arrears to be paid by 18/02/08 and a second from same people Letter dated 13/02/08 arrears to be paid by 26/02/08. my thread is located here http://www.consumeractiongroup.co.uk/forum/citicards-citi-financial-associates/104303-citi-cards-cca-request.html Any opinions gill5blue

Hi All UPDATE AND RECAP SUMMARY Points I believe are valid 1) Citi defaulted me on 07/02/08 and asked me to pay arrears by 19/02/08. 2) Citi defaulted me on 14/02/08 and asked me to pay arrears by 27/02/08. 3) 28/03/08 Notice of assigmnet to 1st Credit. 4) 01/04/08 Letter from 1st Credit about assignment 5) I wrote to 1st Credit requesting CCA-no proper response. 6) i wrote to Citi for a copy of CCA and they said they are under no obligation to me as it has now been assigned to 1st Credit 7) April 2010 recieved 30 odd pages supposed to be my agreement. Now they are stating it is enforcable and I have to pay. Do I have any grounds to carry on not paying? gill5blue

Hi I am now receiving more mail from Bank of Scotland, following my letter to them recently(reminding them of no proper response to CCA). In their letter they state they have served me with a Default Notice, I keep all the correspondence from them and I dont have a copy(or remember receiving a copy ). Is there a letter I should use to ask for a copy of the default?

Hi Mon key# Good luck I have been dealing with a few dcas and it is a game playing chicken!! I have won so far. I am currently dealing with citi who have passed to a dca-I will let you know if i find anything useful-it is nice to have someone in a similar pickle(if you understand what I mean) Good luck again I will be subbing your thread gill5blue

HI Laura Thanks gill5blue

Hi Laura, what is 'shedule costs'? I dont want to muck it up gill5blue

Hi Laura, what are 'the shedule costs'? I dont want to muck it up gill5blue

hi Laura, Good luck at court gill5blue