yes i posted the cca on here. the reason i ask is because the witness sig on the cca they sent me was by a woman in the wootton bassett branch, which i believed had closed by the time the cca was dated. i have been chatting to a friend who is studying contract law at the mo, she pointed out a few fundemantal things in the cca that regardless of wether it is enforcable actually proves a case of indentity theft. i am looking at the possibility of suing them, just looking into it at the mo x

does anyone know when the welcome branch in wootton bassett closed? just out of curiosity as apparantly that was where this cca was signed and i am fairly sure it closed before this! x

no advice i am afraid but i like your style!

i would consider going to the police, how long has it been going on for? x

yep have paid every thing by direct debit. will post the sar request on monday now i have some ink for my printer.

ahh gotcha, fair point

i think thats any bodies guess? have posts been removed from this thread? i also see the title has been changed!? lol

I definateley did not sign another loan i was in hospital that day very nearly due to give birth to my son! i remember the day well! lol not mine and not my sig x

sorry but what is a rewrite? will send te sar off tomorrow though x

no i cancelled the direct debit back in november when they originally could not provide me with the cca i hae not paid them since.

did that work? on the school run back soon

hi hun i only have the cca they sent yesterday the one dated 10/07/2004 the rest of the info i got from my credit report x so i only have that ac number

ok long winded sorry! the loan i took out was in july 2003, i paid for a few months moved house and did not pay them again until appx 06/04, i then started to pay them again £40 per month until appx arch 2007 at which point they stopped taking the direct debits from my bank account. i presumed i had paid it off. appx a month or two later i started getting letters from lewis debt recovery stating that i still owed a large sum of money appx £1600, being naieve and knowing that the loan had a huge apr on it i set up another direct debit and continued to pay them. roll on nov 2009 after looking at various forums and learning about enenforcibility i sent a letter to lewis debt recovery requesting the cca etc what i recieved was a personal loan agreement but.... personal details of the customer stated my maiden name. i married in april 2004 three months before this so called loan agreement was written up? it was dated 10/07/2004 a whole year after i took the loan out. it had a signature on it that was not mine. the amount on the loan was for £2000, the loan i took out in 2003 was for appx £900. looking on my credit report there are 2 entrys for welcome finance first one ended and second one started on the same day. so looking into it i have no knowledge of this loan only the one i applied for in 2003. had i not been so stupid i would have realised this earlier. to date i have paid £2936 to welcome finance and lewis debt recovery. so how do i get my own back on them? [EDIT]