My mbna acc has recently been sold to idem. My husbands mbna account has been sold to Britannica Recoveries. Are we too late to send a SAR to MBNA or do we have to send it to the new companies? One other question is there any logic behind selling the debts to different companies, I owe twice as much as my OH?

thanks for your help Locutus, my account has now been closed and they are going to wipe the £40 charge as a gesture of good will - that old chestnut.

I have already received an email response to the request for a deadlock letter and apparently my complaint is now being sent to their concerns team.

Thank you, I have just googled deadlock letter as I had never heard of it before. I have just emailed requesting one and will pay the £40 reluctantly.

I took out a 12 month contract with Tesco mobile which was due to end on the 9th March 2012. I wrote to them on Feb 9th giving them 30 days notice of my wish to cancel my account, I asked them to email me any response. They wrote to me asking for answers to my security questions saying that I didn't put an email address on my letter. My email address was registered to my account and bill notifications were sent there, so I didn't think it was necessary to add this information to my letter. I didn't reply because I was going abroad and my account was paid up until the 9th March so didn't think there would be any problems. I wasn't prepared for the jobworths that are employed by tesco mobile, apparently without the answers to the security questions they cannot cancel my account and I now owe them £40 because my account is still active. Just before I suck it up and pay the £40 for an easy life, I thought I would ask for advice here because I have received excellent advice in the past. All I really want to know is was my written notice not enough do they have the right to insist on my emailing them with the answers to my security questions?

Before I could send any letters off to Rockwell or M&S, Fenton Cooper arrived on the scene. A couple of very demanding letters were received from them, to which I replied asking for a CCA. The CCA arrived and my husbands signature is clear. Fenton Coopers letter makes it clear that they are acting on behalf of M&S, they refer to them as their client. Meanwhile he has paid M&S faithfully every month and asked them why the debt was passed on. M&S have not replied to any of the letters or emails. Just wondering what to do for January continue paying M&S or write to FC agreeing to pay them the money instead?

My husband suggested £15 a month. The agreement started in July 2010 and it was in place for 6 months and then renewed but while the agreement was in place he still received letters saying he hadn't kept to the agreement and that he needed to contact them. Thanks for your advice Bazooka and explaining the unknown debt letter.

Thanks for the reply. It is a credit card debt, we are not sure when it was taken out but it was about 5 years ago. There have been no charges since M&S agreed to accept reduced payment and he never took out a PPI.

That was quick Bazooka thanks. This is probably a silly question but the letter says that the person knows nothing of the debt, my husband is only too aware that he is in debt to M&S.

Hello I would appreciate any help with the following query. My husband had an agreement with M&S to pay £15 per month which he did consistently. He received contradictory letters from M&S some letters said he hadn't kept to the agreement. A couple of weeks ago he received a letter from Rockwell Debt Collection Agency demanding full payment. He doesn't know what step to take next should he ask for a CCA from M&S or from Rockwell or should he just keep paying M&S the monthly installments?

Filed my claim online checked and rechecked all the details. Concentrated too much on charges, interest etc. My claim was served on the 9th thought I'd just check again, to my horror discovered I had left off a zero at the beginning of my account no. Halifax must love me. What I need to know is what do I do now? Can I just kiss my £30 goodbye and file again or should I wait it out and see if they notice? Any help appreciated, I really shouldn't be let loose.

Thanks for the replies guys. I would pay up for an easy life, but I sort of felt that the fact that I had actually closed my account and 30 days later cancelled my dd meant I was in the clear. I think I sort of have the campaign bug now and don't want to let them get away with anything. I won't ring them cause that is a nightmare and by the time I get to speak to someone I am totally wound up so if I do pursue it, it will be by letter much cooler scenario.

Hi Wonder if anyone can help. I gave 02 30 days notice of my wish to terminate my mobile contract and sent the letter by recorded delivery on the 27 Feb 07. Today I received a bill for £2.94 which was a £2.50 charge for non dd admin fee plus 44p vat, am I obliged to pay? I don't want a whole load of hassle but nor do I want to give this company money for nothing. Thanks Millie

Thanks to both of you. I've decided not to do anything today I am going to start bright and early tomorrow and get my claim processed online. I had got myself into a bit of a state today and my commonsense just evaporated along with my confidence. It is really nice to hear that other people are going through the same emotions and have come through okay.

Just discovered I need to put down how long i have been with the Halifax. My account used to be with the leeds and changed to halifax when they merged. I have no idea how long ago I opened my account with the leeds but it was a very long time ago. I can't imagine Halifax supplying me with this info so now don't know what to do next. Is this the end of my claim before it's begun?