Dx100uk, Because it followed directly after my post and it just reads like you are replying to me. Very confusing without quoiting the post you were referring to. I'm glad it wasn't aimed at me as I was just about to vent my spleen! Seeking FFS

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Perhaps you should have started with the CCA; the £1 is a statutory fee and they are perfectly within their rights to demand it. They have 14 days to respond (12+2 is the strange way it is described). If they can't supply the original agreement, the loan is unenforceable. That doesn't mean you don't owe the money but it is much harder for the DCA to collect it. Most people tend to stop payments once the DCA fails to respond with the original agreement within the 12+2 days. The main purpose of the SAR is to gather everything the loan company has on you which clearly does not include anything they don't have - like the original agreement, hence my suggestion the CCA comes first. I hope that helps

Hi Y Good luck with those 4. My quickest refund was 8 weeks (£1900 from Lloyds in Jan/Feb 2016) and my slowest was over a year (£7000 from Lloyds but that was a few years ago.) I'm sure you haven't awoken a sleeping dog; it is just typical defensive action from the DCA. just sit tight and wait for the CCA's; chances are, they won't have the correct paperwork. Don't sign any letters in black ink - best to use red as they can lift your signature. I have a different version of my signature for such letters. Remember, you are in the driving seat now and DCAs will just threaten. Hopefully, once they realise you are not going to pay and are 'knowledgeable', they will move on to others less well equipped to challenge them. Did you pay your £1 CCA fee with postal orders or a cheque? Hope to hear good news from you soon. FFS Seeker

Yosharoo - I've had thousands back in PPI. I used to sell similar products far cheaper than banks charged so I never knowingly bought PPI. It NEVER showed on any of my accounts. I've just had £2000 back (Jan 16) from Lloyds for a business loan of £24K over one year and they admitted the PPI and paid £500 compensation. I wouldn't think twice about sending out SARs or other PPI request forms asap. You will be amazed. One car loan was set up by Lloyds simply by pressing a button and transferring £16,500 into my account following a simple question "How much can you lend me for £250 per month?" It turned out to have PPI attached and I got back nearly £7000 !!! No medical questions, no income/expenditure assessments, no questions about employment (self employed) and no APR or length of contract information (I assumed it was a 4 year loan but it was 8 years (I know I was stupid) - completely non-compliant and mis-sold. Store Cards and other credit cards had hidden PPI. DON't ASSUME - CHECK.