Hey, thanks guys, its really strange as the bank has now sent me a letter saying thankyou for your enquiry please fill in the form... and its a form for direct debits for the same card account that was closed 3 years back! Very confusing, i am waiting for them to send me the statements for the card account to see about the charges. Thankyou again:)

Hi guys,This is my first time posting and i saw this post and i need your guys help!!! I tryed your first letter and todayi got this response; I regret that i am unable to provide you with a copy of thre original application in respect of the account However, we are not legally obligated to do so. We are only required to provide a copy of the terms which were in effec t of the account being opened and the current terms. Copies of both these documents are enclosed. Copies of your statements at the time of default are being sent to you under seperate cover and you should recieve these shoretly. The £1 fee with your letter has been returned to your account. A default notice was issued to you on 13 april 2004. default notices are produced by our computer system and we do not retain copies of them. We are not legally obligated to retain a copy of the default notice and are only required to retain a record of it in our files. It is a legal presumption that a letter properly addressed to the last know address on file is recieved in due course and this will apply to your default notice. the debt was not sold on and no deed of assignment was issued. What am i ment to do now? Help please!! Oh and good luck everyone with all your claiming back!