Hello to anyone that can point me in the right direction! I owed Very around £550.00 and the debt got passed to NDR Money as I could not pay - I made an arrangement with NDR to pay £25 a month. I spoke to them and setup a standing order and was usprised to receive a letter last year saying they had charged a penalty becuase the payment was late, I think - if i can remember that far bck they said that it was becuase i said id pay every 30 days. On the standing order i had set it to pay a certain date, i.e 1st of every month and they said becuase of this it had made the payment late. to cut a long story short, following payments adding up to about £300 in the last year their statements still show i owe £547.00. Should I send them an SAR request to see whats going on? Thanks for your help

We've gotten a bit behind with the payments on a contract phone and have wrote to Orange twice, before Christmas, to sort it out. It was a smallish amount that could easily be spread out over the contract of the phone over a few months. They ignored us. We then sent a formal complaint via email. Still no answer. We have received today a bill for the entire contract of 336.54 as opposed to the 95.08 that we wanted to spread over the rest of the contract over a few months. The letter is from BCW. I phoned today but as the phone is in my wife's name they couldn't tell me anything, which I knew and understand. However, they refused to send out to me a copy of their complaints procedure. This is not specific information relating to the account so not sure why they wouldn't. Plus, in the past people have been ok sending that type of information to the addressee they have on file anyway. This would just be like sending a normal letter. I was wondering if anyone could offer any advice. Thanks Lee

I am having a terrible time with Kwik Fit. I had an issue with my car pulling a little to the left on motoryways. My usual garage was too busy to do my tracking and alignment and stupidly instead of waiting I popped into Kwik Fit on Cheltenham Road, Bristol. They told me my car was "seriously misaligned" and showed me a graph to show the before and after of resetting my tracking. The graph had text highlighted in green where the setup was good, and red where it was not, detailing several measurements of suspension and wheel settings. The only thing was, the after graph is covered in red, and the guy told me that the two graphs had printed the wrong way around, so my car was now perfectly set up. Anyway, I drove home through traffic at 10mph and didn't notice and issue, but on my way to a client in Bracknell the next morning, the car was terrifying. I had set off in rush hour, during the recent storms, so again, I was crawling from Bristol until nearly at the M4 turnoff to Bath. The car was squirming when I braked, pulling constantly to the left, so much in fact that to change lanes all I needed to do was let go for a second. The car was not safe, the Bracknell Kwik Fit refused to assist, saying the car was fine after checking it but refusing to give me a computer readout of whatever they had found. I called head office, was fobbed off. I had to trailer the car home at great expense as it wasnt safe, and then pay a real mechanic to fix the car. They told me it was seriously dangerous in its state and that I was lucky to have not crashed. They also got another garage to give me a second opinion, they agreed. I have sent several emails to the idiots at Kwik Fit, called as well. They seem intent on ignoring me after acknowledging the complaint. Emails copied below. I am posting these both as a warning to others as well as a cry for help. I could have had a crash and hurt or killed other people, and in the opinion of the two independent garages the Kwik Fit technicians at Bristol and Bracknell were both incompetent, they may have fancy kit, but they dont know how to use it. Can anyone help? They even ignored a "Letter Before Action" making me think I am totally wasting my time complaining. All emails below have been anonymised... Email One, Sent 11:26AM 11/2/14 Hello I had the misfortune of using your Bristol Cheltenham road centre yesterday. Your guys allegedly found my tracking "seriously out" and said this was causing a pull to the left. I had not noticed this, the car was largely fine. When I took the car home, just around the corner and didn't notice anything untoward. However when I took the car in the motorway today it was terrifying and frankly dangerous. The car was pulling to the left badly, putting me and other road users in danger. You have made my car much much worse than it was before. I went into your Bracknell store where the centre manager didn't even know what basic steering components were. I explained I had a new drag link and trailing arms, he asked what they were. They had a look and claimed the car was safe despite admitting it was pulling. They refused to assist, refused to give me the customer service number and refused me any help. This was despite your own Hunter equipment showing red out of alignment readings on the front camber. I am shocked and disgusted at the lack of service, lack of care and unprofessional attitude of your staff. I now face arranging a trailer to get my vehicle home at great cost, and a repeat cost of taking my car to a real mechanic who actually knows their way around a car. I want to know what you intend to do about this. I am considering legal action against your firm for my costs, time and any damage caused to my car by your apparent negligence. Email Two, Recieved 13:28 14/2/14 ----- Forwarded Message ----- From: customer services To: "> Sent: Friday, 14 February 2014, 13:28 Subject: RE: Complaint regarding Dear Mr your concern was registered on our systems following your contact to us by phone. We have engaged our Operations Managers with responsibility for the Bristol and Bracknell garages to look into the background of the visits and work done at our two centres and will contact you in response when we have an understanding of the situation, Thank you for sharing your concerns with us and allowing us the opportunity to investigate. Our reference is 979377 Kwik-Fit Customer Service Email Three, Sent 14:41 19/2/14 ----- Forwarded Message ----- From: To: customer services Sent: Wednesday, 19 February 2014, 14:41 Subject: Letter Before Action - Complaint regarding Dear Sir/Madam It has now been 8 days since I raised a complaint with yourselves, despite a promise of action I have had no response from your firm. I find this unprofessional. I have had to spend time and money rectifying the damage caused by mistakes made by your technical staff and have evidence and independent testimony to verify this. You have until the close of business (5PM) on the 26th February to contact me by phone and arrange a solution to the issues caused and my out of pocket expenses directly caused by the work you did, to be backed up in email by the close of business on the 27th February (5PM). If contact and resolution are not forthcoming I will pursue legal action against your company and will seek to recover: 1. My costs 2. Compensation for my time and inconvenience 3. Significant compensation for the danger caused to me and my passengers from your faulty work. Sincerely, Email Four Sent 26/2/14 ----- Forwarded Message ----- From: To: customer services ; Sent: Wednesday, 26 February 2014, 15:33 Subject: Re: Letter Before Action - Complaint regarding Dear Sirs I write with reference to my claim against your company. Please can I have a response to the letter I sent you on the 19th February? Kind regards

I got a DRO in December last year so of course not been making payments to creditors. One of the creditors was Arrow global for a ccj. Today I received a letter from the local county court saying there has been a variation made on January 23 and I am ordered to make a payment of 1 quid a month which was the original agreement prior to the DRO and I did make the two payments I was supposed to prior to the DRO coming into effect. The court document says nothing about the DRO. Just that I am to pay 1 pound a month or else deal with bailiffs. Obviously I have to make some phone calls to the court and the official receiver but I was wondering if anyone had any advice so that I am forearmed! Arrow is aware of the DRO so if they have lied to the court and are attempting preferential treatment can I use this against them in any way? One would think that if the DRO was involved it would be mentioned in the court order would it not?

Hi all, apologies if I'm in the wrong place. I'll try and make this as short as possible. I have an account with Ace Catalogue, and at the moment I'm paying the minimum each month which is £40.00 but my wages have been reduced at work so I'm unable to pay £40.00 a month. I contacted ace as soon as possible so we could sort out some sort of reduced payment plan. At first I received an email off them quite quickly, I explained my situation and they replied with "yes sure we can do a reduced payment plan, how much would you like to pay a month?" So I sent an email back stating how much I could pay (£25.00). And this was on the 31st January. I haven't heard anything back since. I keep emailing them but they're ignoring me. My bill due date is coming up soon, the 12th February, I checked my Ace account online and they still want £40.00 on the 12th February. I can't pay this, and I'm worrying because no one has got back to me, I have to pay this in 2 days! What should I do?? I can only pay £25.00... All answers appreciated, thank you in advance.

I wonder if you can help. As i have stated elsewhere I am in a bit of a financial pickle I am trying to wade through it. I wrote to barclaycard about 6 weeks ago telling them that I was in financial hardship and could only pay a token amount £2 for 6 months etc - following the advice dx100uk has given to others. since that time they have written to me twice and bombarded me with phone attempts - up to 20 times a day! but they have not even acknowledged that i have written to them. Today i got a pay up or its Mercers for you boy letter. What should I do? Should I write again? I have kind of been assuming up until now that my letter was playing catch up with their system, but now i am wondering if they are either ignoring it or it got lost in the post/ lost internally.

Hi, we have rented our property since March last year, the landlord manages the tenancy themselves, we are currently buying our own property. Back in Dec our rented house suffered a break in, the alarm was on and although no property was taken the patio doors where broken, during this time I tried to contact the landlord to make them aware of us ending the tenancy in March when our contact of one year ends. It took several attempts to contact them and when I finally did just before Christmas, I informed them I'd was buying and although I would obviously pay up until March if the house comes through beforehand I will move straight away as our property will be safer I feel (as we have had other issues with cars being broken into, and we work shifts), I was told his wife deals with the tenancy and she would call me back, I heard nothing and they wouldn't answer the phone to me for a couple of weeks. I finally got hold of him again in January 6th I asked for an email to send written confirmation of this to hurry things along as I was worried of time moving along as I have to give 1 months notice of leaving the property empty. He promised he'd text it to me, when the text finally arrived it was their address and he was now refusing an email stating all future correspondence must go to the address, I explained this would greatly hold things up and sent the letter. I heard nothing then until a letter stating if I want to vacate early I must pay the remarketing costs and that a letting agent would be in touch with regard viewings. I tried to contact the landlord to explain I wasn't happy with this as we work shifts and sleep during the day often but they won't answer the phone so I called the agent to explain and told them they need to deal with the landlord who can in turn contact me in the evenings, I've again received another letter from the landlord telling me to contact the letting agent to give an end of tenancy date and to allow viewings, so my question is can l refuse to deal with the letting agent and do I have to allow midweek viewings when I work shifts, also when do I have to allow viewings as we are paying up till 15th March, please help

Hi I've been falling behind on payments on my Capital One account due to a worsening of my disability and lack of employment. I wrote to Capital one at the beginning of August (via recorded delivery) explaining this to them and asking them if they could freeze all charges etc and implement a payment plan. I included a basic income expenditure form too. I did eventually receive a reply to this letter which said 'sorry to hear about financial difficulties we find it best if customers ring us to discuss'. Maybe I should have but I didn't see what they needed to discuss with me on the phone that my letter hadn't explain. During this time I continued to pay them what I could and they continued to add charges and interest. In October I received a notice of default letter saying I had 28 days to pay the amount my account was over limit. I could not afford that so sent another letter via recorded delivery explaining this, but telling them in the letter I could pay the full over-limit amount in November. The letter was received by Capital One before the 28 days was up but I have since received a letter stating the account has defaulted and I owe the whole amount. I also received a reply to my recorded letter today, which is identical to the last one I received (phone to discuss) and does not mention the default. Obviously I'm not thrilled about the default but I probably could have sorted it better. The default letter mentioned they may pass the account onto a DCA. I would rather Capital one had listened and let me pay the over limit off in November and then set up a payment plan. Could this still happen? Any advice on what the best course of action is would be greatly appreciated. I'll even phone them if that will help, especially if I can get the default removed (Not appeared on my noddle credit file yet, but it hasn't been updated this month). Many Thanks

I have been sending emails to Payday Express trying to set up a repayment plan for the money I owe them. I cant afford to pay it all in a lump payment so I am hoping to set up a repayment plan, however I asked them in the email to stop all the interest being added before I begin making repayments. They are ignoring me and not replying to my emails. I still keep receiving 4-5 text messages a day from them saying they have not heard from me. I dont want to phone them as I will then have no proof of what was said in the phone call and also... I dont really want to be rail roaded on the phone agreeing to a payment I cant afford so I would rather do it through email. But what am I to do if my emails to them go unanswered and interest keeps being added on? I will never manage to get it paid. Thanks for any advice x

Hi Could anyone please advice me. I owe £1000 to MBNA and been paying only the interest for some time. I am in receipt of WRAG due to depression I receive counselling, for this but things are not good at the moment. I wrote to MBNA some time ago to explain this, and they sent me this huge form to take to all of the people I see, GP counsellor and get them to fill it in. I did not have the money this would have cost me £20 a time for GP etc, plus I was embarrassed so I did not do it. They have a copy of my budget plan - but still they will not accept reduced payments. Could someone please tell me what I can do and what my rights are if any I am not in arrears with them - but cannot keep up the payments so soon will be. Thanks

help, I've got an overdraft with Natwest bank, we were ok paying it back slowly however my wife's hours reduced drastically at work and I'm self employed, work dropped to nothing over the past couple of years and put us in a situation, we tried to struggle on paying one bill leaving another situation until it came to a head and we contacted a specialist debt management firm, they took all of our details, the debts and sorted it out pretty much, sadly when comes to this it seems Natwest stick their head in the sand and ignore any/all contact from the DMF! Now we've had a letter from Triton DCA, we duly sent it to the firm dealing with it as they hold all our records, they have responded however Triton have ignored this and now a letter has arrived today stating they've advised Natwest to go to county court, all the things to happen, etc etc, I feel it's a threatening letter to say the least but it's quite simple, I can't pay with what I don't have, we went through all our income/outgoings with the DMF and we give them every penny we can do monthly to try to sort things out, we had two catalogues, Natwest bank and CC and a small OD with Barclays (whom are also ignoring contact), my wife had a Barclaycard. is this a bank thing, the two catalogues have instantly agreed to payments as did Barclaycard instantly but Natwest with the OD and CC are ignoring any contact from the DMF and I feel have passed it on to threatening DCA when they've got nowhere themselves, we've sent ALL letters to the DMF and they have copies of the letters sent to Natwest/Triton! I want to send a simple letter, stating simply 'this matter is in the hands of X, please contact them for further details on the matter' kind of thing, send it recorded so I can prove, if it ends up in court that we and indeed our DMF have attempted to sort this out with them before a CC happens! My credit rating is shot anyway thanks to going into a DMP so that's not particularly an issue for me, a CCJ would be discharged over time I know if it came to it, I've accepted that, long term anyway will do me good to be uneligible for credit, it's more the threatening tone throughout the whole letter and specifically their lies that they have had NO contact when they have that's getting to me! Our DMF has told us before that if we feel we wish to that we can send a simple letter stating we are registered with a DMF whom are dealing with all our financial circumstances and debts but I'm not good with written word really so was wondering if anyone has a template to use that says back off, you have had contact, we are registered with a DMF whom you are ignoring, all this information will be brought to court should it go that far, I'm not ignoring the debt, I am willing to pay it when I can, I accept it's my debt and it's to pay but I thought by going with a DMF whom have sent them the nomimal £1 a month until they sort thing that they would accept knowing if we've gone to a DMF we've obviously not got the cash to hand!

ive been reading loads of posts etc on these muppets,i have made massive headway in all our debts, due to me being seriously ill and unable to now work,ive taken advice from this brilliant website and payplan's website and got nearly all of our creditors to accept £2 per month, most without any problem apart from OPUS/minicredit, they have dropped the £100 debt i should have paid back from £1100!! since november!! to £459, like they have done me some massive favour by reducing the amount! ive emailed and emailed daily to say i will only pay the initial loan plus one months default and one months fee, have continually been ignored, have blocked them on my house phone and mobile! i have been emailing opus (and before that minicredit) since January but no reply, i have offered a payment plan and said i could start this on the 20th feb, but as they have not replied i have not paid, should i just go ahead and pay the £10 i have offered, now i have their bank details, or wait until they reply? can they refuse to accept a payment plan? and how do i complain? who do i complain to? any advice would be great.

Hi Had an old mables card. .Been all round the houses , ,Capquest had it last . .Sent a Recon CCA with an account number that wasnt at the time I took out the card, so def not the correct CCA . .The last letter from CQ was telling me they are still in talks with Marbles about the CCA that was 2012 ..Now received out the blue letter from CQ saying they have passed it to Drydens fairfax. .When Drydens finally write is there any point in CCAing them .. Or just tell them its still in dispute with CQ and quoting what CQ have said in letter ,,Or do I just ignore..? Thanks

I have written to east coast on a couple of occasions recently to complain about some shocking staff behaviour which, in view of the fact that many of their staff are excellent, I am not going to describe here. However, I have not had anything other than holding responses to these letters / e-mails. The question is what do I do next - no response from Passenger Focus either! East Coast need to be freed from the control of the DfT as soon as possible in my view as, although better than when they were part of National Express, they are not a patch on GNER. Thanks in advance.

I have received a notice of intent to prosecute from FFC for the offense of 'Failing to hand over a rail ticket for inspection' The letter provides me with area to provide a 'response from passenger' - Tell us what happened from your point of view. Is there any reason to provide one as I am not disputing that I did not provide a ticket? Reason being I had thought I had touched in my Oystercard. Cost of the journey was a single stop so less than a couple of quid. Going to court seems excessive for a first offense. How best should I respond to the letter?

Hi To All Been waiting for CSA to sort out mycase for over 12 years.... MP has had the case for over 2 years andstill does nothing, CSA implemented a deduction of earnings from my ex butadmitted in writing they made a processing error and there is nothingthey can do ??? maintenance never paid at all for 4 years due to thiserror, maintenance was asessed @ £47 per week back in 1985 but onlyused to receive £40 every 5 weeks aprx What is the wayforward Tribunal ? Regards AG

Hello, I have very stupidly got myself into a mess with a payday loan, and on 10th June took out a 650.00 loan which is due to be paid back tomorrow, total repayment should be £846. I am self employed and didn't earn enough, my own fault, but I knew this a week ago so emailed Wonga explaining the situation and asking to pay back £141 over 6 months to clear the debt. I have also cancelled the CPA with my bank thanks to the advice received on this forum. Wonga sent me an I&E form straight away to fill in, which I did, and returned the same day, but since then I've heard nothing, and I'm worried sick. Are they waiting until the repayment day which should have been tomorrow? I emailed them on Friday requesting again that they please confirm that they accept the repayments, that the interest has been frozen and that they send me a breakdown of the repayments but I've received nothing. I'm happy to pay the loan and the one months interest, as that is what I agreed to, but I'm worried now that in not responding I'm going to be bombarded with lots of other charges. What would you suggest I do? Any help would be very gratefully appreciated - I feel like such a twit

Hello, I have very stupidly got myself into a mess with a payday loan, and on 10th June took out a 650.00 loan which is due to be paid back tomorrow, total repayment should be £846. I am self employed and didn't earn enough, my own fault, but I knew this a week ago so emailed Wonga explaining the situation and asking to pay back £141 over 6 months to clear the debt. I have also cancelled the CPA with my bank thanks to the advice received on this forum. Wonga sent me an I&E form straight away to fill in, which I did, and returned the same day, but since then I've heard nothing, and I'm worried sick. Are they waiting until the repayment day which should have been tomorrow? I emailed them on Friday requesting again that they please confirm that they accept the repayments, that the interest has been frozen and that they send me a breakdown of the repayments but I've received nothing. I'm happy to pay the loan and the one months interest, as that is what I agreed to, but I'm worried now that in not responding I'm going to be bombarded with lots of other charges. What would you suggest I do? Any help would be very gratefully appreciated - I feel like such a twit

Hi all, I bought a video card on scan.co.uk and it did not improve the desktop graphics performance on my PC. I have a sent a return request to scan.co.uk (within 7 days), but they are not responding in any way. They do not give an email address and their customer service lines are premium rate numbers, so I had to use a web form on their site and got a query number. I have also posted on their forums and sent another return request (still within 7 days), but have no replies. The card is back in its box. I have heard of companies refusing returns, etc, but am not sure what is the best step to take when they are simply ignoring me. Also, I believe the product was of such low quality that I can ask them to pay the postage for this. Any advice would be welcome. Thanks. Technical details: The card was a Point of View GT 620, model VGA-620-C1-1024-P. I used the Windows Experience Index and the desktop graphics performance had actually gone down with it installed! It was slower than the integrated graphics in a 1st generation Intel i3 530! I looked at the specs given in the Nvidia control panel and used GPU-Z software. Neither the Point of View or Scan websites said anything to suggest the card was any different to the standard GT 620 described on Nvidia's website, but the texture fill rate and pixel fill rate were both half of what they should be when compared to the Nvidia specifications (pixel rate = 1.4GPixels/s instead of 2.8GP/s, texture fill rate = 5.6GTexels/s instead of 11.2GT/s). The memory bandwidth was 8.5GB/s instead of 14.4GB/s (the Nvidia control panel said 8.53GB/s). The shader clock should have been 1400MHz, but was blank in GPU-Z. The GPU-Z sensors' statistics go up and down, but also ranged from low to extremely low. Windows still froze and were slow to load. HD video still suffered from 'tearing'. According to Windows Experience Index, 3D gaming performance had improved (from 5.3 to 6.2), but the card is not suitable for modern games and I do not want it for that.

see below sri I have two usernames

Note, I am unable to post links as I do not have more than 10 posts. I request site admin if they can edit my post to include a link. legislation.gov.uk/uksi/2005/2705/made This link: legislation.gov.uk/uksi/2005/2705/made states the following: I contacted Brighthouse on behalf of a friend who purchased a TV for around £800, however, the equivalent product from another high street retailer is just £329.00 Having spoke with the store staff, the store manager and 3 people within Brighthouse head office, it seems that they are unwilling to match this price. They rely on the fact of their store policy which says that the product must be identical.... BUT!!!! This is impossible since I have been told by Brighthouse staff that 'Baird' is exclusive to Brighthouse, essentially it is Brighthouse own brand. I believe that my friend is entitled to this reduction as per their price promise and using The Consumer Protection (Code of Practice for Traders on Price Indications) Approval Order 2005, where it states: 1.5.2. Do not make statements like “if you can buy this product elsewhere for less, we will refund the difference” about your “own brand” products which other traders do not stock, unless your offer will also apply to other traders' equivalent goods. If there are any conditions attached to the offer (eg it only applies to goods on sale in the same town or excluding Internet sales) you should show them clearly and prominently, with the statement. Brighthouse refuse to reduce the price despite being informed of the above. There is a great difference between the prices of 'Baird' and equivalent products from other retailers. If anyone can help with this or provide guidance as to what to do next, please let me know! It seems that the only way I can get Brighthouse to acknowledge consumer rights would be to take this matter to court.

Hi, I have put in a claim for SSP with my employer mid december and despite numerous emails from myself asking about it they have mostly ignored me and fobbing me off. My first day off was the 5th of November and I gave them my fit note on the 19th December and not heard back since. I have had another month off since that period and despite working for a smallish company they don't seem to be doing much. My time off was because of a disability and connected to it. In the mean time I have had letters threatening me with gross misconduct. I have been with the company for over 12 months now. I have been emailing HR everyday this week and just been ignored other than a message saying 'sorry I'm snowed under'. I don't get any form of sick pay from them so SSP would be very helpful. Also they had my medical records from last year but they have lost them and want me to give them permission again. Any ideas on what to do?

I lost my job a year ago, but we managed to keep making the payments to Very for 10 months or so before we were no longer able to keep up with the minimum payments. In November the debt was around £2300, so we contacted Payplan. As my total debts were below £5,000 they were only able to offer advice rather than a debt management plan, but they told us how to put together an income and expenditure etc and gave a few template letters to send off and gave us a Payplan Client ID to use in correspondence. The first letter to Very.co.uk explaining our financial circumstances, requesting a suspension of fees and interest along with a monthly payment offer was sent on the 26th November by registered post and arrived at Very on the 27th November. It was ignored. We sent a second letter to the same address on the 27th December, which Post Office track & trace shows arrived on the 28th. This letter was also ignored. In a frustrated attempt to at least elicit some kind of response, I then fired off a CCA request using the template on this site to the same address by registered post. Lo and behold they did manage to reply very promptly to the letter they are legally obliged to respond to and I have received a reply containing the following: 1. A reconstituted copy of the credit agreement sent to me at the time of opening the account (unsigned) and 2. A copy of the current credit agreement, which includes all applicable contractual variations and amendments that have taken place since the accout was opened. What is my best course of action from this point?

Good morning all. I started receiving telephone calls on my mobile (fortunately they don't have my landline number) from mmf about 3 weeks ago. I didn't answer the calls as I didn't recognise the number. The calls would be closely followed by 2 text messages from different numbers asking that I call mmf and quoting a reference number. The texts were not addressed to anyone. I sent them a letter by recorded delivery asking for them to prove the debt was mine (as no amounts were mentioned, neither was the original creditor) as I have not had any loans or finance with this company, or any letters informing me that a debt has been sold to them. I asked that all correspondence be put in writing and posted to me. The letter was received and signed for on 16/01/2013. Since then I have received 3-4 calls a day, followed by text messages and emails saying I am going to have a home visit and for me to contact them to arrange a convenient time for them to call. I emailed them a copy of the letter that was posted to them explaining that I will not be making an appointment and revoking license under English Common Law for them to visit me at home (I have a disability so I wouldn't be able to answer the door to them anyway!) and again explaining that I wanted a copy of the letter of assignation for them to be able to collect the debt, as I have had nothing from them. I had an email back informing me that the debt was for a payday loan with Peachy, taken out in 2011 for the amount of £349. Today I have received 2 very blunt emails telling me to call the home visit dept to make an appointment I sent them the template letter from your wonderful site asking them for the CCA and enclosed £1 postal order and again requesting that contact only be made by post. I then emailed them a copy of this letter, just to make sure they had it. Is there anything else I can do to get these people to listen to me? I thought all demands for payment were supposed to stop until I received proof that they are legally entitled to collect the debt, instead the calls, texts and emails threatening home visits have increased! I'm not avoiding my debts, I was on such strong pain medication in 2011 I genuinely don't remember taking out this loan. Once I see the CCA I will be able to make a payment arrangement with them, until then I would really like the calls and messages to stop and I'm worried sick that they are going to turn up at my door, I'm really not up to a confrontation in full view of my neighbours.

Hiya wondering what to do next.... had a Citifinancial loan, all paid off this year, never late, no issues etc etc but i had their PPI product, was bamboozled into it, had a courier arrive at my door with the paperwork who sat in my kitchen impatiently while i signed and took the forms away with him, plus i'm self employed etc etc anyway, i wrote to them on november requesting a refund, didnt get a reply, wrote to them again in early january, again no reply. wondering if anyone else has had the same issue and if so what my next steps are as i am hitting a brick wall.