Have you got the credit agreement yet? and I can't see the photobucket files? I haven't got an agreement yet, they probably have it but for the reasons you mentioned don't want to supply it for perusal.

12 Days are up they are requesting it from archive apparently will wait and see what I get as there are probably issues with PPi as well my credit agreement terms

Thanks, really helpful of you

well done well worth turning up and a warning shot to these companies that sd's are not to be used as confetti:)

subscribing

this is still ongoing, so I am requesting a cca agreement today to see what they have got. they appear to be adding money to my account owed every month but am not sure what for as they are no longer sending statements. Do I need to send another SAR to get this information? account up to £700 now £300 has been added in the last year as far as I can tell

have never got an offer off rbs and cannot afford mcol at the moment so send a cca off and got back a letter stating they have put my account on hold for 10days and would I please ring them up (lets hope it is not to make a credit agreement in their art dept). Anyway 12 days are up. they did not acknowledge it was a cca request and I cannot get proof of posting as yet

I would like to charge this rate but it is too complicated for me, I would have to pay someone to work it out my barclaycard since asking for charges back has gone from 400 to 770 all charges as they have not put me in default but are adding charges every month (no more statements arriving though) + interest at a very high rate:eek: I am going to cca them this week just in case as if I just go for the charges and 8 per cent I will still be in debt + the fact I cannot even afford to lodge a claim with mcol at the moment

I was hoping to get the £38.00 back they took out of my child maintenance back, oh well back to the long way round I suppose, but I have only one charge for natwest but if you don't ask you don't get

thanks for collating these letters subscribing

subscribing thanks

__________ see first five pages http://www.consumeractiongroup.co.uk/forum/other-institutions/10900-loan-company-cannot-supply.html money was claimed back in the early days, although the advice now seems to have changed

bump as need to reread all of this again:o

ok thanks:)

Thanks I will try that:D, I also want to write a letter to Experian enclosing a copy of the Moorcroft/marshall ward letter admitting there is no credit agreement and ask for the default to be removed, is there a template for this?

sent off a cca request to marshall ward (using same thread as they are part of the Littlewoods group anyway) regarding another account with a small balance a default has been issued which I want removed as it is made of completly of charges anyway. They have wrote back saying the client does not have a cca but I should pay them back anyway as I received the goods and this will help out my credit file. I want the default removed and need to know how to go about this? also 12 days have just passed should I wait another 30 days before starting anything as they might try to reconstruct an agreement. any help appreciated

another letter received saying still waiting for cca from original creditor, offered me a 1/3 settlement figure which I cannot afford anyway, I believe these offers disappear when you ring them up.

is there a letter that I can send to get the documentation for a student overdraft of £2,000, do they need to keep/supply any documentation? Can they put markers on my credit file? I am being hassled by Bryan Carter and need to know what I can send off, I will be putting it into dispute soon for about £300 of charges but need to know what other avenues I can follow.

well done !!! mine seems like a very similar situation (no cca) been going on for ages and I have now decided to get tough and invest in lots of stamps and go after them via any avenue I can find.

keep up the fight:), I am in a similar position with littlewoods i.e no credit agreement but being hassled with letters from DCA's and a default on my credit record. I have finished my law degree and like you are considering studying consumer law as a side interest. I have had some time out from this forum and am trying to get back into it all again, alot of the advice has changed on here regarding CCA's and it is hard to keep up. Sandy

Well done JamJar, even though I have ignored mine it is good to see people getting them set aside as this will annoy the judge:twisted::o and maybe something can be done for the abuse of process and what about your costs for preparation to defend?

for info Change of Circumstances and Overpayments Policy Guidance Higher Education Student Finance in England 2007/08 Academic Year TO LOCAL AUTHORITIES (For the attention of the Student Support Officer) November2007 Dear Colleague 2007/08 STUDENT FINANCE IMPLEMENTATION PROJECT: ‘CHANGE OF CIRCUMSTANCES AND OVERPAYMENTS POLICY GUIDANCE’. Attached is guidance for key delivery partners in the 2007/08 student finance implementation project: ‘Change of circumstances and overpayments policy guidance’. If you have any enquiries on this guidance, please contact: Name Telephone E-mail DfES Student Support Team 0845 6020586 SSIN_queries@slc.co.uk Any updates will be in bold green type. Table of Contents Introduction This chapter provides policy guidance to LAs on how to deal with changes in the circumstances of a student that may have an impact on their entitlement to support, and on the recovery of overpayments of grants and loans from students who have received support under the Education (Student Support) Regulations 2007. This chapter deals with the following subjects: students who have withdrawn from their course; students who have suspended their study; resuming payment of support; and Recovery of overpayments of loans and grants. Policy guidance on previous study, including termination of eligibility and LA discretion can be found in the ’Assessing Eligibility’ chapter. LAs should refer to the ‘Assessing Eligibility’ chapter for policy guidance relating to students transferring courses. In all transfer cases, the written consent of the importing institution is required. An ‘overpayment’ occurs, for example, when a student’s entitlement is reassessed, and the result of this reassessment is that the annual entitlement to support is reduced to an amount less than that which the student has already been paid, or it comes to light that a student has been paid more than he is entitled to.

thanks that is the same , I have decided to send it to bryan carter solicitors which is the most recent letter I have recieved and apparently they are all in the same building and connected anyway Bryan Carter De Havilland Drive Weybridge Surrey KT13 0NT I would be a good (idea if not already done to have a thread with the all the DCA's addresses (without the PO box parts) as I seem to spend longer trying to track down correct addresses than actually writing the letters.

has anyone found an address for fredrickson internation that isn't the po box 260 weybridge surrey one? I just went on companies house and found this one Name & Registered Office: FREDRICKSON INTERNATIONAL LIMITED FIFTH FLOOR 7-10 CHANDOS STREET LONDON W1G 9DQ Company No. 02679522 is it the same company as I want to send it recorded and a po box isn't much use

Been having a break from all of this but Littlewoods have annoyed me now, sending or selling my account and I am getting chased again Have sent off another CCA, but I am going to have to get tough now and start complaining to authorities as no credit agreement exists