Who did you originally send the letter off to? I live in New Zealand and want to do a similar thing to a Australian owned bank (ASB). Some web sites suggest sending it off the CEO. Could you please advise who the letters should be sent to?
Sorry to have been so silent Peterd91 - My affairs have been more or less in order thanks to this forum, so I haven't been on to post or seek answers for some time now.
I believe the first letter I sent - enclosing a £1 postal order and requesting a TRUE COPY of the ORIGINAL CREDIT AGREEMENT was sent "To Whom It May Concern" at the Debt Collection Agency - that is, the alleged debt had already been passed to the DCA -
After that I wrote *PRIVATELY* to the Chief Operating Officer (as I recall) of the DCA, citing all the statute Consumer Credit Act and Data Protection Act legislation, and simultaneously serving NOTICE privately on the C.O.O. offering CONDITIONAL ACCECPTANCE of their offer to accept that I owed them £xxxx.00... I gave him/her 12 working days and then served NOTICE of NON-RESPONSE and RENEWED OPPORTUNITY TO CURE/CONDITIONAL ACCEPTANCE...
You can see how these private Notices were worded above, okay?
I have no idea how these things work down in New Zealand or Australia, but I imagine there are probably roughly similar statutes to the British Consumer Credit Act and Data Protection Act, and the rest is simply PRIVATE Offer & Acceptance Contract Law....
Best of Luck !