Pinky , sorry i do not want to sway your husband from his moral stance but their could be illegal charges on all of the accounts,which can help to reduce the debts. Husband can then paty the reduced amounts. Manc1

Hillards , i have there reg address being Hill House 1 little new street london ec4a 3tr

Hi all, need to send recorded to 1st credit and only have their PO box address any one with another address or is it ok to send recorded to PO box . Manc1

Pinky, have you thought of SAR the rest of DCA/OC that are part of the payplan agreement. Manc1

Lowell/Red /Hamptons , tend to go away quickly once they know that you know they have no CCA ,s. Manc1

I am sure we could write the script for lowell/red/hamptons, with the last letter being "we write to advise you we will no longer be chasing you for the said debt":D Manc1

gust , its exactly as the fox says Manc1

IMHO and from the experiances of a couple of friends CCCS and the likes are not interested in contesting anything ,all they want to do is set up the agreements and start paying monies into the DCA/OC coffers. Manc1

wonder whats happening in this battlefield Manc1

ANDY, i WOULD ALSO DO A S.A.R TO MBNA . GO FOR IT MANC1

Teldave , Listen to CAGers they know their apples from their pears and will give you all the support you need ,and keep all the nasties at bay.This is advice from personal experiance. Its still a lovely world. Manc1

Bella35, if you can afford to pay then why not do it. Manc1

Congratulations, you will need to get a the set aside certificate and then sent it off to the registry trust to get the ccj wiped off your account. I would also send a copy to the three credit ref agencies. Manc1

Mickkane, It would seem that fedup &atwozee are on the right path ,the first is an application form ,and the credit agreement is recent due to the £12 charges .MBNA credit agreements @2000 had higher amounts in their charges payable section. I would hang on tight and be patient it could be a bumpy ride with the DCA chucking everything at you . Manc1

Subbing , Best of luck

42MAN , So a photocopy of passport sent recorded should suffice Manc1

Joeybarton , thanks for help Manc1

DX Thanks for responding , what would be my response for the demand of signature . Ignore it and tell them clock is ticking:confused: Manc1

Hi All, I have recently send off S.A.R to ORIGINAL LENDER, they have responded by sending letter demanding proof of signature ie passport ,driving license etc. I know this is their normal drivel ,could somebody direct me example correspondance i could use in response. Manc1

Uhu , it would seem that they have no cca:cool: Manc1

Thanks Lex

Bump

Maroondevo , Thanks for the response. I have not sent them any letters yet indicating that i want to reclaim , the only request i had made was SAR and their reply was to "acknowledge and store my complaint". So should i still write to them req a reclaim of the charges and then continue with a NI in my court. I was thinking that there letter admits my complaint to them and logs it without the courts need , am i being stupid? Manc1

Hi All , This is my first time on the bank charges forum ,to cut a long story short, earlier this year i sent a S.A.R to nationwide they responded by sending me a list of charges and a letter which i had to collect from my local branch. The list of charges is from 28th june 2002 till 04 feb 2006 and amounts to £2819, the letter amongst the usual blabber says that if i went to court they would ask for a stay until a resolution of the banks proceedings with the OFT , but they do" aknowledge and have registered and stored my complaint". My question is that with this letter and a list of my charges to hand do i still need to do a court claim to lock in my 6yrs of charges:?. Manc1

Major, You should try to do S.A.R to the original creditor to see if there were any excess charges ? Manc1