Hi Silverfox, I looked at one of the links in your signature, seems I am best to request a CCA from DCA before offering a F&F?

sorry but this stuff seems to get complicated!! I did look around but seemed to find everything but.... Will use the link in your sig

ps - do you have the link for template please? Have you done the no CCA = NO PAY yourself?

thanks! What would the next step be then and also, what about defaults etc - will they keep bumping them on?

Thanks in advance

what if they don't give it in the 14 days?

I sent off SAR and got statements and a record of calls (which the staff seem to be selective about..) however I did not get ALL info on the account as the Loan Agreement for the account was not there. Do I need to request this seperately if I want it?

Yes, I seen that on the letter but just wondered if there was a usual amount of time it normally takes.....I hope this goes well as I'm due them money and they are not the best to deal with tbh. Thanks for letting me know what to ask them for/template. It's now been posted!

Had a telephone call with DC's after recieving a letter from them. I called them and told them I have no immediate funds but I would be able to pay them in Feb if they could 'hold' things for now. You can guess how that went....'attachment of earnings' 'youll be charged interest' 'sending someone round for imediate and full payment..' and so on, I told them that I would contact them in writing and if they wanted to contact me to do it in writing as I was trying to be fair by explaining when I could pay... I'm not sure which letter I should send them? The request for CCA? or should I write something along the lines of, as explained during our telephone conversation I do not have funds to settle this account at the moment but will be in touch when my financial situation improves. Although in financial hardship, I'm keen to settle my debt and so I have included a £1 PO as a token gesture and will do so monthly until my situation allows otherwise? Or is there a better template letter? Thanks in advance.

Thank you SO much! I now have the data address for them and will get that done tonight and £10 PO tomorrow and send it off, as the HMRC are going to start adding £60 a day penalty soon...I'm in such a mess, but I'm trying to get out of it. I will deal with this and the tax thing first Ive decided then focus on the rest. How long do you think it is likley to take? (and thanks again for your help)

Sorry I'm confusing things, I need all my bank statements from 07 to fill out tax returns......will the original letter you have given me (the £10 one) get these?

I'm in the process of writing a letter to DC's for credit agreement before making offers to them for the loan and OD accounts but I also need all my bank statements for tax return purposes - Is this still the letter to send - will I get all my statements from them with this or is this more for notes on me etc? Thanks for helping me, I really appreciate it.

I need bank statements from 07 and the bank wont provide them but I seen something about getting copies of everything for a £1 fee. I cannot find it again. Where would I find the template letter for this? Its really important that I get them. Thanks in advance.