This is very interesting. I have an UNauthorised overdraft thanks to HSBC paying bills "for my convenience and to avoid embarrassment" and they racked up over £1,000 in charges even after I was told the account was closed and it was agreed that there would be no overdraft facility on the account! I'm currently at stage 2 complaining to the senior manager, then it's definitely off to the ombudsman I go! It's been going on for four years now and I've been through Wescot, Red, DLC and currently SRJ debt - even though I tell them I'm taking it up with HSBC!

I thought it was 4 months? not 14.....!!!

takes five presses to find subscribed threads now rather than 1!

Cheque arrived this morning Off I go to the bank and to buy a nice shiny new Apple Macbook Pro with some of the proceeds

subbing with interest. I have about £800 of charges alone thanks to their non opt out "informal overdraft" (despite me saying when I opened the account I never wanted an overdraft on it!)

I have a horrible feeling OP thinks he's going to get a huge windfall for the second loan - rather than just a refund of premiums paid.

Glad I wasn't the only one confused We need to know the figures to balance up your options I was offered £400 less than I'd asked for (although I'd added more than 8% statutory interest on top of the original figure, so I was quite happy to accept their offer). Letting them "off" that £400 is the difference between having a long drawn out battle on my hands, referring to the ombudsmen and making the case longer, or that 4k being in my bank account within 21 days (fingers crossed). It can be fine demanding more and more, but sometimes you have to look at what's the best outcome for you at the time

So you've asked for £3500 and they've offered £2500?

I have just won against citi financial. Full amount plus interest. Very happy. Sent the forms in three weeks ago and they have already agreed!!! I am amazed at how quick they agreed to the claim - I thought I'd be fighting for a year or so!

I shall be sending the acceptance form back by special delivery to ensure no denial of not receiving it in time!! hehe ;-)

No court claim. The standard form completed, with a covering letter and a copy of the original contract, together with my workings out on what I wanted in return.

Just an update. I decided to go for a PPI claim at the end of June this year. I had a letter back today with an offer of a refund near £4k To say the shock I had at how quick Citi agreed to my claim is an understatement!!! So all in all 3 weeks from start to finish of claim ... just waiting for the cheque now, up to 14 days for arrival it says

Dear Sirs Thank you for sending what you consider a "true copy" of an agreement that you have constructed. Please can you now send me a copy of the original agreement that you would have to provide were this alleged debt enforced in court. Yours faithfully

Dear Mr Connaught Collections Thank you for your letter enclosing some random pages. Please can you now send me the signed original agreement that you would have to use to pursue this matter in the courts. Love xxx

Can I just clarify? Did you go from a partnership to a limited company and the partnership was wound up? ? (for a Ltd co you would have been filing returns at companies house etc). Were any personal guarantees given to any banks when transferring any debts to the limited company. This might be more complicated than just "send off a CCA" as it could fall under partnership or company law rather than personal debt.

Oooh, I had that letter yesterday from CDRU I don't have any court claims pending, but I'll be asking CDRU for a lot of information that they'll need to provide, including the bit that is about £1000 charges on the £1500 they are pursuing.

In actual fact, I QUOTED a post from a member of the site team Perhaps you should talk to them instead Edit here's the link to the post quoted http://www.consumeractiongroup.co.uk/forum/show-post/post-2670097.html

Quoted as it seems the OP missed this one to answer whilst ranting at other forum members!

I like the 02 one, as I have an 02 phone, so it costs me precisely zilch to load and zilch to use

Got my "letter" from HSBC this morning. How nice of them to send them out right before Christmas!

Not in the slightest! Since I CAG'd those friendly debt collectors in June last year, I've had about 3 or 4 letters since ... any letter is replied to with a "bemused" letter and I keep full records of dates and correspondence

having spent three hours this evening reading the last epic, subbing to this one with interest!

OP don't look at this from the wrong angle. Because you served on them a cancellation IN TIME and they had received said cancellation (which you can prove as it was in the SAR), that's all you need to focus on. Default notices etc at the moment aren't relevant because they shouldn't have sent them in the first place! You cancelled, they mucked up. simples

I think of all the advice on this thread, the OP should take this post and use all the points! This is the best post on this thread. I don't think you need to argue anything about a valid agreement or an agreement containing terms etc, - it's more that YOU cancelled it and THEY have failed to act on that! Then go for costs for your wasted time Rep for Grumpy from me

I think as a start, I would write to them and ask How they can pursue you for money when They have sent You a valid cancellation request... (having just read the cancellation request and the dates on there are within the five days..)