Thanks as always

Brill. What if they say that by asking for the CCA's that we acknowledged the debts? Also, are these letters on here? I need to do the other account SB letter and double check the statements we got today :0)

So if I wait till the end of November I'll stat bar them then? Any idea how to stall them?

To be on the safe side, can we say the 6 months + 1 month start from the date it was sold on?

Last payment was made Oct 2005. How are the dates worked out? Is it so many number of days or say the last payment was 15 Oct 2005 then it becomes statute barred 16 Oct 2011? On a side note, I have noticed on both their letters a reference printed that has no meaning whatsoever. It remind me of the statute barred phrase. Could it be a internal code to say that the account was last dealt with over 6 years ago?

I was looking at the statements just now and they do show charges on it, but they are late payment charges. She is sure she paid for stuff before she ordered more stuff and that she sent all dresses back.

My partner received copies of the other debt, she recognises a few things. But she says it's from a catalogue that she has paid off completely. What's the next stage?

Brig...Is there a standard letter I can use for both?

I read a few posts, no worries. Thanks for all your helps

Not had anything back. Gonna ring her back later in the hope she's gone home lol

Just CCA'd them both, they both returned with a unsigned photocopy with my partners name and their account number on the top. Should I use a standard template letter to statute bar them? What about the smaller debt where they are struggling to prove how they got to the balance

Just CCA'd them both, they both returned with a unsigned photocopy with my partners name and their account number on the top. Should I use a standard template letter to statute bar them? What about the smaller debt where they are struggling to prove h

I have requested copies of her Credit History and have had 1 out of the 3 returned, the only thing that is on it is a credit search by Lowells. Nothing else. They are also demandng payment within 5 days or it will go further. For the second debt, the one about £200, they are still trying to get hold of the documents. Is there a time limit for them getting hold of the statements and last payment made on the account? Thanks!

And the postal order?

Just had a phone call that went through to my voicemail from Vanquis Bank saying that they cannot process my postal order cuz its not made out to Vanquis They want me to ring them to find out what I want the subject access request for. What's the next plan?

I hope so, my business address doesnt have a number and road name. It has the works address then the road, the works name cannot be mistaken for anything other than where I work!!!

Another letter arrived today at my work with 3 levels of discount. Pay within 7 days and get 30% off, pay within 8 to 30 days and get 20% off, pay beyond 30 days and get a 10% discount. There is also included a Self Stamped Business Reply envelope. Was thinking of writing another "Personal mail is not allowed at work", putting it in their reply envelope and post it. OR Seal the original envelope up, write on it AGAIN "Personal mail is not allowed at work. Return to sender" and post that. AND seal the business reply envelope up empty and post that as well. What do we think?

What did you say in the complaint letter?

Edited it, is it ok? I'm stuck with the letter to the ICO ppl

Got any ideas about the complaint to the OFT?

And this for the CCA: My Address Date Dear Sir/Madam Re:− Account/Reference Number: My Credit Card Number This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR). I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee. I look forward to hearing from you. Yours faithfully print your name

Is this ok for the SAR to the Credit Card Company? [my address] [their address] [DATE] Dear Sir/Madam ACCOUNT NUMBER: Credit Card Number Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time. Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you. The Subject Access is not limited to my transaction history and it is not limited merely to 6 yearsof historical information. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them. As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject access request, I shall also be reclaiming the enclosed £10 DPA Subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. Take note for clarity and the avoidance of misunderstanding this is a lawful requuest made under the Data Protection Act and as such you must supply ALL data connected to me in what ever form held by you. If you with hold ANY data that at some later date toy attempt to rely on in court action your failure to comply will be reported to the court and the ICO. Yours faithfully, [NO signature] [name]

Cheque or Postal Order?

Do you mean CCA?