Does my employer have the right to insist on having my home phone number or mobile number? It is not necessary for my job role - I am a 9-5 clerk, not management.

Called them. Texts were sent in error! Claiming no PPI on accounts.

Haven't even had the letters yet though - got the text first.

No number just says RBS-PPI. Ref no quoted is correct.

I've had two text messages from RBS-PPI saying to return my acceptance of their offer so they can pay me - both quoted references are correct. I've not had a written offer yet so are the texts genuine or am I being hoaxed?

Had two text messages from RBS-PPI saying to send back my acceptance so they could pay - quoted both reference numbers which are correct. I've not had a written offer yet so are the text messages genuine?

All I want to know is can I stop payments if they can't produce the original agreement.

I had a load of credit cards going back to 2003-2006 and defaulted on all of them. Over time the original debts have been sold on to all the usual suspects - 1st Credit/Moorcroft/Bryan Carter/BLS/DML/Connaught etc - I have been paying minimal amounts for years but no CCJ's.

.........and therefore what's the point of asking for the original agreement then? I need advice here.

Why do you need detail? We're talking in principle here. If they can't produce the original CCA can I at least stop payments to them. If the lack of CCA does not mean the debt does not exist, what proves that it does?

After joining CAG I realise DCAs have cash cowed me for years. I'm about to CCA them. Can I claim back payments I've made if they can't produce an original CCA?

What link? And what about the other info I mentioned?

Heres the spreadiie. Also, have found the original schedule which clearly identifies the PPI as "First National Bank Plc Protected Payents Plan" and a letter from GE saying:"...... ...we are currently unable to offer you further cover for the above". This was when the policy was due to expire. Surely this implicitly means they sold the original product and are just wriggling?

Had a reply from GE Money basically saying nothing to do with them - they didn't sell the policy and weren't present at the point of sale - though they admit to providing the finance and that is their final response. They say take it up with the broker Priority One - who I've never heard of - aka Loans.co.uk I presume. I've already sent the claim to them and they've replied as well saying they're investigating. They've asked me to sign an authority form so they can get further information from the lender - First National/GE Money - and or the insurance provider - Pinnacle. What should I do next and should I sign the authority form? I want to go after GE on Section 56 but they say that they will no longer communicate with me unless I correspond with new information. I also don't really understand if I've worked out the refund properly. Please help !!!

Oh, and the interest rate for the loan was 8.75%. How much should I get back?