well I,ve just written to them stating that they have still failed to comply to my SAR of 4th January, also siting 2 letters drom Lewis and Cl dated 4th September 2006, which were never received,in which they state that the deeds of assignment were the 18th August- even though there,s no date on it! I also enquired whether these were sent recorded delivery, and also stated that I received no correspondence at all from Tescos either.I,ve also raised the matter of unlawful charges, and also pointed our that a statement of account under the cca is not the same thing as normal monthly statements.I,ve also pointed out that my SAR request was made in excess of 6 months ago, and yet they have still failed to comply .I,ve also stated that I do not acknowledge any debt to their company. copy to Howard Cohen solicitors and copy to CL Finance, sent recorded - at least I can show it to the judge!!

even though the judge set a date for compliance and even though my SAR request was dated 4th January?

THANKYOU !! All they have supplies is normal monthly statements and those do not go not go back as far as the inception of the account ie January 2001, only from Oct 2001, inc £70.00 of unlawful charges from that date.again, many thanks Tomtom .

the notice of assignment has no date on it at all! many thanks!!

many thanks for the links Diskmandave- I,ll do my homework tonight- this has really made me see red!

well- to update! dca failed to comply with court ruling to provide all info by 14th May so I applied to the court for the case to be struck out- to be heard tomorrow 15thJune. had letter from the court at the weekend stating that if the claimant failed to attend by ,phone case would be struck out. fine- until yesterday when a pile of statements ( with unlawful charges), yet another copy of the application form ( with no apr or terms and conditions)2 letters dated last October purportedly showing that the debt had been sold ( neither of which I received) plus a copy of the schedule which is signed but not dated. Contacted OFT yesterday who put me on to trading standards- have put in a complaint (CL Finance). contacted the court this morning to inform them that they have still failed to fully comply, and got the hearing tomorrow! HELP!!! All sugestions very gratefully received- I was completely unprepared for this lot !

Same thing happened to me- had a set aside granted and (touch wood!) haven,t heard a word from them since!

received correspondence from the court today confirming that the DCA has 14 days ( 14th May) in order to provide all information to the court as per my correspondence of 4th Jan and 18th April ie statements, original AGREEMENT etc before 4pm on that date.

really prefer not to name names at this stage of events, but the card is RBS

in my excitement I put the wrong date re application! should have been 17th Jan 2001- not 28th Dec- hence reason I mentioned 6 yr ruling!!

Hi will try and scan and load in the morning!! Can,t beleive this is happening, having thoroughly read all the threads re application and agreements! I also mentioned that as the application form went back to 2001, it could be affected by the 6 year rule.

yes he did.

Just returned from allocation hearing- dca didn,t show, but asked the court to hear the case under a small claims hearing 'in order to save me further costs'. I sent a CCA to them on 5th January, received a scrap of paper stating that the debt had been sold to them by RBS- nothing else. allocation hearing originally scheduled for 30March, but had to reschedule as out of the country. On 18th April receive another letter from their solicitors enclosing an copy of an application form dated 28 dec 2001- no apr no terms and conditions- no cancellation rights no statements , incidentally this was for a Credit card. the judge has given the DCA 14 days from todays date to comply with my CCA request, and ordered that they appear before the court either in person or via a ,phone link.What do I do next!!? Should I report them to OFT for noncompliance, or just sit tight and pray they don,t come up with anything? The court date will be the next avaiable one, so could well be a while off. HELP!!!

Lowells tried this one with me, but I did receive the correspondence. obtained an affidavit from solicitor for the court, sent letter to Lowells and Hamtons requesting original agreement details and notice of assignment- never received anything! reported to OFT- when it went to court they never showed! blown out by the judge. I would be more inclined to get all your mail and take this route- then you know they,re off your back once and for all- good luck!

the Co-operative bank will give you a basic account with a debit card provided you are a credit card holder- which you are

I also took out a Leeds mortgage in 1989 redeemed in November 1999 sent Sars request 13/01 with £10.00 crossed postal order. no response whatsoever. Sent 2nd request ( as they were adamant they never received the original!)22/02- still no response! ,phoned last week - 5th call- finally got really helpful lady who told me original was received on 15/01!! Also told me I had a tie in with another mortgage( interesting as my current mortgage is with Birmingham Midshires, and I,m at the 2nd offer stage with them!) I pointed out that they were already in breach, and when was I likely to receive the statements- also mortgage exit fee refund. Was told 'probably the end of the week'. needless to say nothing at all, other than a cheque for £10 refunding the 2nd SAR fee I sent needlessly. Any sugestions what I can do next? I have no ideas what fees were applied to the account, other than the fact that they were hefty due to 2 yrs ill health. Help!

Hi ! I actually reported Birmingham Midshires to the FSA, then put in a SAR request. Had a letter by return offering me £782.00 as 'goodwill' gesture. Have not yet received list of charges as per SAR request, so have accepted as an interim payment. sent letter yesterday, so let.s see what they have to say. In the light of Zoot,s advise I may be forced to back down.

Thanks so much for this site!! been threatened with a summary order and subsequent bankruptcy by the above mob- sent a CCA request, got an affidavit from solicitors, and yesterday was Court day!! needless to say they never turned up, I,ve received nothing at all from Lowells since sending the CCA request at the beginniing of December other than a standard letter. As recommended I have reported them to both Trading Standards and the Office of Fair Trading. Result automatic set aside from the judge, who also made a pile of notes re Lowells. good enough for them ! without this site I would have had no idea what to do or where to start.Am now going after Lloyds Tsb ( who supposedly sold the debt to Lowells) and Birmingham Midshires- which seems a popular one judging by the number of posts!!Thanks again