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Ok thanks for confirming what I thought. Do you suggest I ignore, or get into a discussion with them?, surely more letter tennis! Or as this complaint is already with the FOS, do I just leave to them? Thanks MD2010

Hi Guys I have been chasing RBS to remove debt from my credit file as now been in default for in excess of 6 years. At last they have removed so all good on that front. However, they are now stating that as they contacted me in 2011 via Regal, this debt is not "statute barred", see attached letter. I haven't made any payments since Feb 2009, and correspondence in May 2011 related to my request for CCA Suggestions as always very welcome Thanks MD2010

Hi Thanks for a very informative thread. I have a similar situation albeit with Barclays mercantile, but the difference between my balloon and approx value of the car is £13k, what was the difference in your case, that Audi Finance have written off? Thanks

Hi All Agreements attached, interestingly on the T&C they have preprinted my current address, not the one as on the application fform that they did supply http://i1022.photobucket.com/albums/af343/majordebtor/Allianceleicecesterappform.jpg http://i1022.photobucket.com/albums/af343/majordebtor/mbnaappform.jpg http://i1022.photobucket.com/albums/af343/majordebtor/MBNATC1.jpg http://i1022.photobucket.com/albums/af343/majordebtor/mbnatC2.jpg http://i1022.photobucket.com/albums/af343/majordebtor/MBNATc3.jpg http://i1022.photobucket.com/albums/af343/majordebtor/mbnaTc4.jpg http://i1022.photobucket.com/albums/af343/majordebtor/MBNAtc5.jpg

Hi Guys In May 2010, started being chased by Polonius for this debt sent off the usual CCa request, no response, In August 2010 further letter received from Polonius and I replied that the account had gone into dispute because no CCA stuff received. Nothing more received until July 2011 and I replied that Account had gone into dispute. They have replied with the following and attaching signed CCA agreements for 2 of the 3 accounts with them http://i1022.photobucket.com/albums/af343/majordebtor/Polonius18August2011.jpg Not really sure how to respond and suggestions welcome MD2010

Hi Guys Can you point me in the direction of a template for CPUTR 2008 request, guess which section etc? thanks md2010

Hi, the last statements I hold are February 2009, at which time I was accruing overlimit fees of £12 and late fees of £12, so if I understand correctly no luck there. Could you advise how CPUTR 2008 differs from s.78 CCA 1974? But will certainly request it. Thanks MD2010

Hi Guys I have received the attached letter in response to my sec. 10 DPA notice. http://i1022.photobucket.com/albums/af343/majordebtor/Fredrickson15August2011.jpg Any suggestions or comments welcome Thanks MD2010

Hi Guys I have received an acknowledgment from the Financial Ombudsman http://i1022.photobucket.com/albums/af343/majordebtor/FinancialOmbudsman4Aug2011.jpg Should I send this to the Apex management? Any suggestions as always welcome MD2010

Hi Guys I have now received the attached letter from Fredrickson in reply to my letter before action which was dated and posted recorded delivery on the 6th July, which gave them 14 days to reply! http://i1022.photobucket.com/albums/af343/majordebtor/Fredrickson29thJuly2011.jpg Was thinking of sending a Section 10 DPA 1998 letter? any other suggestions welcome Thanks MD2010

Hi See latest letter from Apex, any suggestions welcome http://i1022.photobucket.com/albums/af343/majordebtor/Apex27June20111.jpg http://i1022.photobucket.com/albums/af343/majordebtor/Apex27thJuly2.jpg Thanks MD2010

Hi Guys Please see attached letter received from Regal Any suggestions? MD2010

Hi Thanks No PPI and late charges/overlimit fees minimal MD2010

Hi Guys Some information debt £9.5k originally being collected by Newman in June 2010 from whom I requested CCA, never had any reply; Wescot started chasing in November 2010, advised them that i was waiting for CCA, originally requested from Newmans, various correspondence but no CCA. May 2011 started being chased by Regal advised them that CCA originally requested by Newmans and the account was therefore in dispute. MD 2010