Well done to you !!! hope that i can get the same result and thanks for your advice !!

thanks ,i will try that and see what they say ,will let you know how i get on .

thanks for that ,are they on hold with cccs ,and if so what did you say to them it was like 20 questions when i rang them ,thanks

thankyou ,i have been watching your thread already so for the 1st credit one who would you send the sar to 1st credit or the original creditor ,i did send a cca to 1st credit in september ,nothing got sent to me they just said they would request it from the oc ,but havent heard a thing since .

hi ,just an update ,i have called cccs about the payment to first credit ,they said that not to take them off the plan as it may upset them and they would go for court action ,i said to them that they had not produced a cca back in september so how could they and she said that they would probably produce one she said to call them and ask what i owed and by all means send for a breakdown of charges and try to see if i was missold the ppi so looks like i have to keep paying ,i didnt push it so i dont know what would have happened if i insisted they removd them from the plan .

hi thank you all ,so sorry for my late reply internet has been down all evening ,i will do tha and see what they say ,will let you know ,havet called them about that today as i have spoke to them twice already they prob think i m a right pain one thing ,with my citi card the one i never got a cca for back in sept ,dont think that i actually sent a letter stating that it was in dispt even though i got no cca and they stopped calling etc ,should i send that before i stop payment or just stop anyway ,thanks

hi ,i spoke to national debt line today and they said that if no credit agreement then they cannot enforce the debt and i could ask cccs to stop the payment and she couldnt see why they would objrct ,she did say however that if one appeared farer down the line then i would have to then put them back onto the dmp so i dont know.

ok thanks

Hi ,right i have got my cccs statment out and found that they are paying my morgan stanley account to barclaycard and although i have never been informed ,it has a different account number and apparantly changed over in october last year ,cccs said i should have a statement sent at least once a year but i can call them for one if i want to ,but i have had nothing from morgan stanley /goldfish or barclaycard sinnce jan last year ,does anyone have the address to send an sar to or cca which is best to send in this case ,thanks

hi thanks ,yes i think that this is the best route to go down have checked and hubby paid dep ,i made 2 x debit payments and my son made 3 x debit card payments so will try that i think ,i dont mind the cc company taking what is rightfully theirs(dep paid by hubby) but not the other payments ,thanks

yes same here !

Hi DD yes national debtline do tell you because they have just told my mum after she has had some trouble with a cat company ,CCCS did tell me to cca 1st credit but only because they sent me a stat dmand and when i called them when i didnt recieve one they just told me to contact them if monhs down the line one turns up never said that it meant they could not enforce payment ,sometimes i do feel that they dont always know what they are talking about ,just depends who you speak to ,although my life is now not as stressful without the constant calls etc

thanks for that you help is appreciated

hi how do i get onto the barclaycard forum please ,thanks

hi thankyou all ,i will have to think which is the best route ,will keep in touch ,and read some other threads about the ms one ,thankyou again