Thank you for taking the time to read and help with the replies and the info you have provided is much appreciated and will be used in structuring my letter. @Asbestross: Thank you very much for the reword, my lack of understanding in how to phrase and quote acts and regulations are weak but I do try to learn along to way @Bombaymix: The lender was QuickQuid. Any more information relevant will be greatly appreciated (Thanks for the comment on the letter) I will try to reply asap but as is said in the letter I am between homes so internet access is limited. Many thanks, Jamie

This is completely true and to the point but I would just like an opinion on how it reads and whether or not its worth adding a few bits and pieces. I didn't know whether to back certain pieces up with OFT guidelines as they should know them anyways, such as 3.3 - k. "ignoring or disregarding debtors' reasonable requests in respect of when, where and how to contact them". And perhaps also quoting "In the OFT's view, creditors should consider reducing or stopping interest and charges where a borrower evidences that he is in financial difficulty and is unable to meet repayments as they fall due or when he can only make ‘token’ repayments such that his level of debt would continue to increase if interest and charges continue to be applied" Any help would be greatly appreciated.