DPA wasn't needed as i am a hoarder and have all my old statements,and yes have already been through the Request for Repayment and LBA letters. I have had about 3 letters saying i will get a response by x/y/z followed by another one and the same again. Finally gave in and rung them up and they told me i would have a letter by Wednesday of last week. Needless to say it didn't turn up and I'm fed up with their lies and stalling tactics, and the deadlines i gave them have now passed so I'm moving on.
They haven't frozen the accounts either, they continue to add £25/month charges to both accounts and I'm surprised they would even do that as they know full well they are in dispute.
Not going through the aggro of seperate claims and all that business, I just want this settled now as they are in the third month of threatening with defaults if i don't pay what i don't owe them.
Have balances of £317 and £165 on the two open acounts, and the total charges (paid and unpaid) excluding interest is £777.