Hi guys, I CCA'd Lowells about a credit card I had in 2010. I received a response from them, however, the name and address entries are blank and the credit limit is incorrect. There is literally no personal information held about me. So, as this is clearly an attempt at using a correct CCA, assuming i'm stupid, what's my response? Cheers

Hi there, I recently sent a CCA request to Marlin. I enclosed a postal order buy didn't put any payee on there. They have returned my PO because it doesn't have any payee details on it. I thought it was not necessary to put this on there. Should I just start again and send it back with the Payee details on there? Thannks

Hi, First time poster. Ok, a few months ago my husband lost his job. We printed off a statement of means form and filled this out, we then sent the form along with an offer of payment (£5) to our creditors. Some were brilliant, some not so....Next was one of these. They demanded £30 per month. We sent another nice letter to them asking if they could reconsider our offer as several other creditors had accepted the same offer of £5, again Next basically told us to 'do one'. The phone calls then started. I requested a 'true copy' of my CCA on 30th April, they sent me a blank CCA, no letter in the envelope but a lovely 'with compliments' slip, they also cashed the £1 postal order against my balance. Since then the phone calls have got progressively worse. I sent another letter stating that they had not supplied me with a 'true copy' therefore the debt is now in dispute. Not had any letters back as yet but had a charming conversation with one of their representatives who basically told me that because I had ordered items and these had been delivered to my address then this constitues a binding agreement. I know Next are a nightmare to deal with as they seem not to think that the law applies to them. I have also told them to stop contacting me via the phone as I'm not getting 2 - 3 calls a day, they have said they do nothing in writing it's all verbal???!!!!! Can anyone help and point me in the right direction as to my next (no pun intended) course of action. Many thanks in advance