Hi all, I have looked through the cag library and can’t find a letter to meet my situation. I have requested a cca from Barclaycard and they have sent a reconstituted copy with no signature etc. They have acknowledged it is a reconstituted copy so what now, as the template on cag is for when the creditor sends a actual copy. This account is from 2002 if that’s any help. Thanks in advance.

We started dealing with our own debts after leaving CCCS and 2 of our debts (Lloyds TSB and MBNA ) are being handled by DCA's. We requested CCA's for both as we wanted to be sure of everything CCCS had been doing and didn't recognise the names payments were going to after chasing we found Wescot were dealing with the Lloyds loan and Idem were dealing with MBNA debt and we issued requests and £1 cheques to these companies. The one from Lloyds is 'a copy of the reconstituted version of your executed agreement and a signed statement of your account' - it goes on to say ... 'there is no requirement under the CCA to provide you with a copy of the original signedagreement. 'having satisfied our obligation under section 78, the agreement you have with us is fully enforceable and we shall continue to treat it as such. Since we received this letter we have had two further letters - 1 from wescot advising reduced payment would be accepted and another from SCM solicitors requiring the balance paid off within 7 days Where do we stand with this debt? idem servicing sent a copy of the CCA after request and it is not signed by me or MBNA but tick boxes next to my name and that of Jonathon Back (Director) on behalf of MBNA are both ticked (computer generated) Where do we stand with this one ? I'm not trying to get away with paying anyone but the different companies and lack of agreements seems a bit strange?

In helping a friend to deal with her debt problems, I wrote to her creditors requesting copies of Consumer Credit Agreements. Tesco responded with a photocopy of a signed agreement for an account that is in default and being (slowly) paid under a DMP. I have read posts on here about checking the validity of agreement (interest rates, minimum payments, etc) but much of the information seems very dated. So, my question is: 'Is there any advantage in checking the validity of a credit card CCAs now and, if so, does anyone have a link or advice to help me in making the check?' I ask because I am trying to achieve an affordable F&F for her. Thanks

A few months back I SAR'd MBNA. I got the data just in time. Along with the data, they sent a CCA for the account. Whilst I haven't received copy statements, they did send a transaction history from inception of the account showing penalty charges and PPI charged to the account. Using the information I wrote to MBNA in complaint for a refund of the charges + interest they charged. They replied back refusing my claim saying they didn't agree with the OFT's arguments yet they still lowered the charges to £12.00 (which, from reading other threads seems to be their usual bluster). I'm not sure if the CCA is complete or incomplete, to be fair I don't understand how it works, so would be grateful if anyone can have a look at it and advise me how to go forwards with the complaint, if indeed I can do. Any help and advice will be appreciated.

Hi all, I'm new here, hello to everybody and I hope you can help me out. I received a letter from Fredrickson International in early December 2011 regarding their client Arrow Global requesting full repayment of a debt of £****. (Just under £3000). This dates back from when I was a student , my world fell apart for several reasons, I could not afford to pay my student debts and so a quite bad spiral began. I replied with a template letter, contents below. Re:−*Account/Reference Number **************** Your ref:- ARR/******** This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.* I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.* Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee. With reference to the above agreement, I/we would be grateful if you would send me/us a copy of this credit agreement and a full breakdown of the account including any interest or charges applied.* I/we understand that under the*Consumer Credit Act 1974 [sections 77-79],*I am/we are entitled to receive a copy of any credit agreement and a statement of account on request.* I/we enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974. Note that these funds are not to be used for any other purpose. I/we understand a copy of any credit agreement along with a statement of account should be supplied within*12 working days. I/we understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act. I/We look forward to hearing from you. Yours faithfully I received a reply from ARROW GLOBAL dated 22/12/2011 We thank you for your communication regarding this account. We have referred the matter to our client and will revert to you as soon as we are in receipt of instructions. In the meantime, we confirm that we have placed the account on hold. Yours sincerely Fredrickson International Ltd. I then received a letter from ARROW GLOBAL dated 28/12/2011 saying "We thank you for your letter dated 10/12/2011 addressed to our external agency Fredrickson International, which has been forwarded to us for our attention as assignees of the above account, which we received on 28/12/2011 and acknowledge your request for documentation pursuant to the Consumer Credit Act 1974. We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in abtaining that which has been requested. We will now process your request for documentation from the creditor and will revert in due course. We confirm that all collection activity will be suspended pending provision of the documents. We return the payment of £1.00. Your sincerely, Arrow Global." I still have the original postal order they returned. I then heard nothing until today, 23/10/2012, 10 months later when I received another letter from Arrow Global, "Dear Mr ******, DEBT OWED TO Arrow Global Guernsey Limited Assigned by RBS (Account number ****************) In response to a request for a statement under section 78 of the Consume Credit Act 1974, we enclose: 1. Agreement 2. Terms and Conditions 3. Statements The Office of Fair Trading deems reconstituted agreements acceptable for situations where an original copy is unobtainable. OFT guidance on requesting information about credit agreements can be found under Credit Agreements at http:/oft.gov.uk. In December 2009, the High Court ruled that a true copy of an agreement does not need to be a photo copy or an exact copy of the original. A creditor is allowed to provide a reconstituted agreement, as long as that version is accurate and contains all the original information contained in the agreement, apart from a few exceptions that the law allows, which includes the signature, signature box and date of signature. We confirm: a. the account is in default; b. The total sum outstanding is £****.**; and c. The amounts which will become payable comprise interest and costs, depending on what enforcement action is taken against you; Please now provide your proposal for repayment of you debt.; Failure to do so will result in the continuation of collection activity, which in your case may include litigation. Telephone the number below to make arrangements to pay your debt. *** ******** Yours sincerely, Arrow Global." Now I am confused, they said they were not the debtors and now they say they are. They have taken a very long time to come up with the reconstituted documents, is this correct and can they go to court with this and succeed? Are they allowed to put this account on hold like this? I thought there was a time limit for their replies ie. the 12 days? Please can someone give me a little guidance here? Thanks very much, Traintester

Hi all, My apologies if this has been asked a thousand times before - I'm still fairly new to this & am in need of your most helpful advice again. I recently sent a CCA request to Lowells regarding a vanquis CC debt, firstly I got the standard 'we have requested a copy from the OC' letter, then 2 weeks ago received a letter stating that the original agreement no longer exists due to the age of the account, that they would not be contacting me regarding this again & that any detrimental information would be removed from my credit file. Today I have received a computer printed application form with no signatures & a copy of current terms & conditions which they claim satisfies the CCA request. I am now totally confused & as always, would be very grateful if someone could advise me how to reply to them. Thank you in advance

I have disputed a debt, because I don't owe the money. It's apparently a mobile bill. I have another debt with this DCA which I am paying...slowly, but I think they've messed up and assigned something else to my name. This is the response I have gotten: Alternatively, if you feel that you require further details for this debt we advise that a copy bill can be requested for this account from our client Lowell Group. Unfortunately a consumer credit agreement is not available for this balance as it relates to a telecoms account and therefore it is not covered by the Consumer Credit Act. Can anyone please tell me why they don't have to provide CCA? And what I should do next? Thanks!

First post here and i'll start by saying hello all and thanks for a great forum.. Ive had a debt with MBNA which in Jan got passed to Moorgate I made 3 payments with them, the debt then got passed to Arden, after hundreds of unanswered calls and messages of them I sent them a cca request. They sent me a statement trying to fob me off I sent them a default letter, now Moorgate have sent me a letter saying they dont have a copy but are chasing it from mbna. I cant believe ive paid them some money and they dont even own the debt and the cheekey lot have defaulted me since Jan on my credit score Im going to sar mbna as ive ppi on the loan which when I became unemployed couldnt claim because I was working for an agency (04/05).. .What should I be expecting from Arden/Morrgate and can I get the money ive paid them back and my credit rating returned to how it was prior to Jan??? Thanks

Hi Could someone kindly point me in the direction of the templates for CCA requests. I've sent the first letter, and it's now been 12 days so want to send the 2nd letter, but would also like the 3rd letter for 30+2 days (atleast I think it's that). Thansk B

Hello I requested my HSBC CCA for a Credit Card I took out in 1993. T hey have not got the agreement and have sent me the terms and conditions that would have been relevent at the time. Is this enforcable in court? I requested my loan agreement for a loan I took out in 2008. They have sent me a payment statement and a copy of the online application. The documents that I signed are missing. Is this enforcable in court? I am happy to send a copy to somebody to look at. Any help would be really appreciated. Thanks

I wonder if anyone can help? Moorcroft Debt Recovery are pursuing me for 2 debts owed to NatWest (overdraft and bank loan).....they have amalgamated them into one claim. I sent a CCA request & a postal order for £1 by recorded delivery on 21/09/2012 they wrote to me on 8/10/2012 offering a 25% discount on my debt if I paid within 3 months but did not mention the CCA request. I checked with the Post office and they delivered my CCA request letter on 25/09/2012...unfortunately I did not keep a record of the postal order so I can't check if it has been cashed. what should I do now? Thank you in advance

Hello everyone, I have had a look at all the threads but I have unusual circumstances so ask for your kind advice (but sorry if I am just repeating what has been asked before): My partner is the executrix to an estate The deceased passed away in October 2008 The main beneficiary is my partner's daughter (grand daughter of the deceased - paternal side of the family) We have a number of credit agreements (see example below) and they form the debts of the estate as they were (completely) unpaid during deceased's lifetime Agreements were taken out in 2003 No substantial payments were made and they all went into default pretty quickly Our daughter's biological father is contesting the will and we have had to go to the High Court to get our daughter what was left to her We have spent 4 years in litigation to win probate for our daughter's inheritance (which thankfully should happen before Christmas - ) at great expense Probate for the estate has been handled by a solicitor Litigation of the dispute was handled by a different solicitor (thankfully!) The probate solicitors have communicated with the creditors directly on the executrix's behalf. They are not hassling us yet but will do when we sell the house because the debts have "equitable charges" against the house (which is the only real asset of the estate). We did not want to try and clear the credit agreements in case we lost the case over the validity of the will Now we are close to getting probate, we need to try and get rid of these debts (or at least the punitive interest) on them Interest has been charged throughout at 20% I now need to know how much interest has accrued over the course of the litigation so must write to the creditors now for statements of account to enable us to calculate costs that we can attribute back to our daughter's numbwit father. (Sensible?) Here is an example of a First National Bank credit agreement in question (we have 3 of these all of the same format and some others that are similar in structure) [ATTACH]38602[/ATTACH] The only route I can think of is that the agreement does not have the total credit charge, only the amount of credit agreed and then monthly repayments. Thanks

Hello everyone, I am fairly new to this forum. So, I hope i have posted this in the correct place. Advice needed please! I am currently and have been a Lloyds TBS customer since the age of 17 - I am now 50 years young. I wrote a CCA letter to Lloyds TSB and enclosed a cheque for £1.00 and asked them for copies of 3 loan credit agreements which I took out out in 1989, 1997 and 1998 respectively. The 12 days + 2 days has now passed. I do not have any details further details on the loans apart from the loan agreement numbers. I do remember however, that the person issuing the loan insisted I took out insurance - or they implied I would not get the loans etc. My question is - what do I do now? Do I send a SAR letter? Any advice will be appreciated. I know these loans are historic - however, I have only recently remembered I had these and went into a Lloyds branch and asked them to check to see if I had any loans in the past and the person behind the counter albeit begrudgingly looked up the dates and loan numbers. Thank you.

Hi guys, I have recently given an CCA request to Barclays in regards to my active Credit Card account but they have failed to provide me with it. I also followed it up with DSAR and again they have failed to provide me with the CCA. In their response they said that they have failed to my data. I wish to make PPI claim in regards to this Credit Card account. I took out this Credit Card around 1996. I am adamant that I have been missold. Without the CCA I will not be able to verify if I had ticked to box wanting PPI. What I want to know is that once they have said they can't locate my CCA how will they know if it has been missold or not? Also what content do I need to write on the PPI questionnaire designed by the FSA to successfully win redress? Thanks.

I sent off a CCA request to a DCA with a £1 postal order payab;e to the DCA. They have returned it asking I make it payable to the Creditor. They have also asked me to cinfirm if I have ever opened an accoun t with their client and the balance. They finally state if I am disputing the balance or feel it may be subject of fraud I should supply full details. What is the best way forward do I send a payment payable to their client, and what is their role in this matter

Hi wonder if anyone can help. Got a letter from Capquest dated 21/07/12 re debt purchased from American Express ; Letter of claim under the Practice Direction - Pre Action Conduct. Under advice gleaned from this website I sent a CCA Request dated 30/07/12 and the £1 postal order. Then got letter from them 01/08/12 stating account on hold for 28 days whilst they obtain the information I requested and asking if I have any proof of payments or correspondence to forward them to their Collections Administration Dept. I did not send them any information as I haven't got any and didn't see why I should make their job any easier. I think I then got another letter stating they were still trying to get the information from American Express and account still on hold - not sure as I think I got rid of this letter by mistake). Then got letter dated 20/09/12 stating " we are now in receipt of the copy document you requested from our client. I n accordance with Data protection Act 1988, we require you to contact us as soon as possible on XXXX XXX XXXX to confirm important security information. We will be unable to send you the above document until you have done this". I believe they are stalling again and just want to pressurise me if I call them - which I have no intention of doing. What is my next move - do I just ignore them or is there some other advice anyone can give me. Cheers Ed

Hi, In 2009 i opened a student account with Natwest with an arranged interest free overdraft, i can not remember the exact amount though it was around £1000. As it was interest free and within my arranged limit I never thought much about it. After recently obtaining a copy of my credit report i found a default notice placed on my account by Natwest to the amount of £1298.38 defaulted on the date 30/06/2011.I do not recall receiving any default notice and no longer have my original documents. To gather all the information about the account i sent a request under Section 77 of the Consumer Credit Act 1974 using a template. I also requested to be provided with a signed true and certified copy of the original default notice. I recieved this in response from Natwest today: "We understand that you have made a request for information on the above account under the Consumer Credit Act 1974 and that you have asked for a copy of the signed agreement for this facility. Under Section 78 of the Act, on receipt of a written request the Bank is obliged to provide: A copy of a signed agreement Any other documents referred to in the agreement A note of the state of account (i.e. the balance, details of interest and charges outstanding and the applicable interest rate) signed by a representative of the Bank. It is important to point out that the Bank does not require customers to sign an agreement under the Consumer Credit Act in order for the overdraft facility to be applied to their account. Therefore, a copy of the signed agreement is not available and does not need to be produced to you under the terms of Section 78. All borrowing facilities are agreed in accordance with the terms and conditions of the account and overdraft facilities are finalised by way of confirmation letter." It goes on to say this regarding the request for a signed true and certified copy of the original default notice: "We can confirm that the Default Notice was sent on 3 December 2010. The Bank considers this notice was served in accordance with the requirements of Section 176(2) of the Consumer Credit Act. This default was, therefore, registered correctly and will not be removed from your credit file. The default document is a system generated letter so we are unable to reproduce and supply you with a copy of the default notice". I am unsure how to respond, are they saying i never signed a credit agreement under the CCA 1974 and one does not exist?.If so how can they issue a default notice under Section 178(2) of the CCA 1974. Also, surely they must provide me with a copy of the original default notice so i can check whether it contains information in the prescribed terms. How can they claim in this letter is complies with the terms of s.176(2) of the CCA 1974 when they do not even have a copy of the letter themselves? Any help or advice on my next step would be greatly appreciated. Thank you.

Hi all, Looking for a bit of advice with this one. Basically received a clearly photocopied CCA this morning, from a payday loan following on from a CCA request. The following things are wrong with it from what I can see: There is no Signature under 'Signature for (or on behalf of) the Creditor: Under Signature of Debtor(s) it just has my name typed along with a date The APR is quoted as 16203.2% (variable) Nowhere at all on the agreement does it say what amount was actually borrowed. Just defines - Credit Limit £250 - This account may be varied to such a sum as may be determined by us from time to time and notice of it will be given by us to you. Nowhere on the document does it say they will report to CRA's. Yet there is an account at present listed on my Credit File. Would any of these make it an unenforceable agreement? Thanks in advance, Ross

Hi All. New here and I can't believe it has taken me so long to find such a good forum... I need some advice on a debt that is with Direct & Legal Collections. It comprises of two debts that HSBC put together - an overdraft and a loan - in 2008 after I defaulted on them. Both debts were created previous to 2007. The combined debt is being collected by DLC and I am up to date with my agreed payments on it. My question is - can they legally do this without my agreement? Surely this creates a new debt that I did not agree to? I cannot find the link now that says combined debts are unenforceable. I am not looking to avoid payment - just push back on the horrible phone calls I get every 6 months demanding more money. TIA.

Hi all I am very confused. I have been reading this forum for a very long time until I finally signed up. In the past when people have talked about sending a CCA request and that the result was unenforceable they have been told that this site does not condone debt avoidance, Fair enough, neither do I, if you owe a debt you owe it. More recently I have seen some more posts where members of long standing have been talking about debts being unenforceable or do not comply with the CCA. So does sending CCA request work and can you get out of paying a debt if the creditor doesn't comply. Really confused about the ethics of it all Thanks

Hi all, bit of a mixed up one this... So I ran out of cash stopped paying my Thomas Cook branded CC bill, lots of charges etc, you know the story. But when I sat down to review it I realised that there was PPI on this account, and with the media coverage of the issue I thought why not see if I was mis-sold as it is not the sort of thing I ever sign up for. Followed the process for reclaiming PPI, and highlighted that there was an outstanding debt of about £2,000. But blow me - after lots and lots of stalling letters from them MBNA (and a few threatening ones from Optima Legal) they upheld the complaint and explained that they owed me a big chunk of cash (lets say £2,500) (no mention made of the outstanding). Cheque arrives I cash it and thats the end of it. Err no a few weeks later I get the letter through saying I have a CCJ against me for the £2,000 Hang on a minute I thought. The total amount was in dispute as the PPI + interest was more than the debt. Beyond that MBNA made no mention of the debt still existing. So I apply to have the judgement set aside. And complain to FOS about the situation. And ask MBNA to repay the £500 or penalty charges (they say no). Optima Legal apply for an interim charging order and get it. Finally the FOS get back and say they can't do anything as a court judgement has been made. MBNA's court bundle arrives and in the middle of it is what they claim to be the credit agreement. But I'm pretty sure it lacks the prescribed terms, and anyway it is clearly a reconstituted agreement. So off we go to court, the judge can't understand the MBNA calculations for the debt, can't be bothered to delve into the agreement and gets angry with the lawyer optima has hired. Sets the Judgement aside and orders MBNA to show original docs, in a upcoming case to be heard later this year. So here we are with a whole bunch of confusing questions 1. Chasing a debt in dispute - can the court do anything about this? 2. Penalty charges - they are all £12, the Optima lawyer and judge said I should be very careful about these as it is hard to convince a judge that £12 is unfair or constitutes a penalty? 3. Agreement. What EXACT things must appear (in light of recent cases) and they must produce an original (likely?) - this is in court remember in a case they have brought no the cumbling concrete of Autodrome (me) 4. Costs if I win - if I win what can I claim in terms of costs? 5. Secret Commission, I signed up for the card at an Airport, on the agreement it mentions the Gael Partnership. Does anyone have any idea who they are and what they got out of it. Does it count as a secret commission? further more I never ticked the PPI box but they charged it anyway - did they earn commission or pay out commission? 6. FOS is it worth going back to them now the CCJ has been set aside.? 7. the interim charging order what do I need to do about that? 8. Default Notice - I never got one - does it matter?

Hi guys thanks to reading various posts on this site im on my way to sorting out my debt Ive just got a question i cca my debt companies and one of my debts is for approx£1000 which is managed by link. They have not sent me a cca but still constantly harrass me and are now threatening court! can they do this although they cant produce a cca?

Hi, I am hoping for some collective wisdom from this very useful forum! I was contacted by 1st Credit in the spring this year seeking payment for an Opus cc debit of £1,500 that they claim I had defaulted on last year. 1st Credit appear to have my address details from 15 plus years ago but I have no recollection of the credit card they are referring to. I have never heard of Opus and in the conversations and correspondence I have had with 1st Credit I have not acknowledged any debt. I wrote to 1st Credit at the end of May this year requesting a CCA. I heard nothing until this week - nearly nine weeks - when I received a letter with what looks like a cut and paste from section 77/78 of the Consumer Credit Act with the alleged debt figure on the end. They also enclosed a CCA with my address from 15 years ago on it but no other evidence that this pertained to me, ie no signature. They claim in their letter that they are not required by law to provide a copy of the original signed agreement but rather just a copy of the CCA. Part of me just wants to make a full and final offer of £x per month or a lump sum just to get 1st Credit off my back - is this a worthwhile action? I am unsure what my next step is so I'd really appreciate some guidance. Happy to provide the letters if that would help. Thank you in anticipation!

Back in July I sent a a CCA request to Northern Rock enclosing my £1 fee for the terms and conditions of my loan which I had with them a few years ago. this loan was secured against my house and when Northern Rock went bust we were forced to sell our house to repay the loan which we did in 2008. Last week i realised that they had not returned my request and it was due before 9th August. I therefore sent them an email and got a reply back saying the following Dear Sir or Madam Thank you for your email. As you may be aware, in January 2010 Northern Rock was restructured into two separate companies, NRAM (Northern Rock Asset Management) and Northern Rock Plc. Following the restructure some Mortgages, all Unsecured Loans and all accounts redeemed before January 2010 were retained by NRAM. In addition to this the liability for all Payment Protection Insurance (PPI) complaints was also allocated to NRAM regardless of whether you have a Northern Rock or NRAM account. As such you should consider raising your query with NRAM using the contact details below. If you are complaining about PPI you will also have to use the following details to raise your complaint. Email: customerrelations@n-ram.co.uk Call: 0845 609 9610 for Mortgages and Secured Loan queries Call: 08444 774 039 for Unsecured Personal Loans queries Or alternatively write to; NRAM Prudhoe Building Regent Centre Gosforth NE3 4JW Kind Regards Customer Relations Northern Rock Plc ***************************************** I was unaware that NR had been restructured as I should think that many other people didn't know either. I obviously was not going to phone them so I emailed them the following email Please forward to the Relevant person or Department Responsible for Immediate Action; On 19th July 2012 I sent a Consumer Credit Act request to Northern Rock plc, for a copy of my original personal loan terms and conditions, I enclosed my postal order for £1 with the letter. The CCA clearly states that you MUST supply this information to me within 12 working days , which expired last week on 9th August 2012. I have allowed an extra 3 working days for delivery of the letter to your company. This is not satisfactory, so I therefore request that you supply me with the requested documentation and supply a written reason for WHY this request has not been actioned within accordance of the CCA. I will therefore extend the time limit by a further 7 CALENDER days for you to comply. If you fail to meet this deadline then I will consider legal action in the courts. I have attached a copy of the original letter with this e-mail and this includes the account number. ************************************************** I received an automated reply back from them Dear Customer, Thank you for your email. Your request has been received and will be forwarded to the relevant department within the next 24 hours. You will receive a reply to your query by either email, telephone or letter within the next 5 working days. If you require any further assistance prior to your reply please contact NRAM on 0845 609 9610*, view our website at www.n-ram.co.uk for information or alternatively you can you send a request by post to the below address: NRAM Prudhoe Building Regent Centre Gosforth Newcastle Upon Tyne NE3 4AW Thank you for your continued support. Regards NRAM Customer Relations ************************************************ Their 5 days expires today, and my 7 day extension expires on Friday, I get the horrible feeling that I am getting the run around and they think I may drop it, but as any of you on here that know me knows there is no chance of that! The original reply from my first email did not state if the letter and postal order had been forwarded on or anything. It was a very cold uncaring reply in my view. I do not have a copy of the original T & C's of the loan so do not know if I paid PPI or not. Thats is why I sent the letter. All I have left is the original letter confirming that the loan was paid off when we sold the house. I have contacted the Post Office to see if they have cashed the postal order but it is unbeleiveable to see the procedure to go through to find out if it has been cashed or not. ************************************************8 Thank you for your email. To see if your Postal Order has been cashed you will need to write to: Postal Order Correspondence Section Post Office Ltd 1 Future Walk Chesterfield S49 1PF You will need to enclose the receipt (please keep a copy) to include the reference number from the postal order, your name and address and a covering letter explaining the problem. Unfortunately, there is no other way to check to see if the Order has been cashed as a trace needs to be placed upon it and there is no facility to trace Postal Orders on-line. Alternatively, if the Postal Order was sent using a Royal Mail service you can report the non delivery by contacting Customer Services on 08457 740 740 or at the website www.royalmail.com and as part of their investigations they will check to see if the order has been cashed. If the order has not been cashed the Postal Order department will advise the procedures they adopt for refunding uncashed Postal Orders. If the Postal Order is returned to you prior to you contacting the Postal Order Correspondence Section, you can take it back to the Post Office along with the receipt and suitable identification and providing the Order is still valid the face value of the Order can be refunded to you. If we can be of any further assistance please do not hesitate to contact us again. Please reply via customercare@postoffice.co.uk as a reply sent to any other email address will not receive a response. If you need any further help with Post Office® products and services, you can call 0845 722 33 44 between 8.15 am and 6 pm Monday to Friday, and 8.30 am to 2.00 pm on Saturday. You can also access information at www.postoffice.co.uk, the official Post Office® website. Kind Regards Customer Services **************************************************************** So can someone please advise me as to my next move, do I go through the long Post Office to find out if they have cashed the PO or not or do I start proceedings against them for non compliance? or whatever please.........

Can someone please offer me some advice on ths matter please, i have some registered defaults on my credit file from credit card companies for the last 3 years, i am in a dmp with payplan with who i make a token payment to all companies as i am unemployed. I have written to all card companies asking for my cca, some have replied that they cannot find any paperwork and that the account is unenforcable, and others have said they cannot find the cca and will suspend payment to the account until the cca is found. 1, what is the position on this, do i carry on paying them or just stop until they find the paperwork,if they ever do? 2, if they dont get back to me until after the 6 year time period for the defaults has elapsed, and the defaults are removed , what then? 3,if i was to be given a cash sum to make an offer of a f+f payment to all is there any benefits to pay them off now,before the 6 years, if accepted, or just keep paying the token payments until the 6 years has passed and defaults are removed anyway, am i still liable to keep paying after the defaults are removed, until the total debt is repaid, as at this rate it would take me 25+ years to clear with the token payments, i make to them. THANK YOU FOR ANY ADVICE ON THIS MATTER