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Hello all, a friend of mine told me about your site and all the fantastic help and advice your able to offer, so here I am !
Firstly a brief history of mine and my partners situation, back in 2008 I lost my job, we struggled obviously to meet our repayments on our mortgage and loans credit cards and ended up in a terrible circle of borrowing where we could to pay all, eventually it got to the point where the stress and constant fire fighting got to much and we were repossessed it was the best thing to have happened in the end.
So we moved back into my parents; and then the debt companies started there endless chasing. At this this time i was working part time and my partner full, so we went down the IVA route blindfolded. We signed up 18 months ago, and was paying £349 a month which was barely affordable ; i was offered full time and at out end year review the IVA company decided that we should be paying £749 a month, which was more than i was even earning as full time and we have a son to keep. We decided that as this would leave us nothing to live on, and we cant stay at my parents forever to cancel the IVA which we did.
I stumbled across your site and did some exhaustive reading on what my rights are and what we can do regarding the debt companies chasing which there are quite a number and started on the UE route.
This is the current situation ;
(1) Aktiv Kapital , sent the CCA request off, sent the 30+12+2 Niddy special letter off , they couldnt find it, 3 months later i have received a CCA; they have attached a statement from the credit card.
They have not provided a statement from themselves, no explanation as to how the debt has gone from £5628 in 2006 to £6526 today, no information of any payments from the IVA going to the debt
I have had a look into what a properly constititued CCA should look like and seek some help; it has been date stamped as received and signed as receieved. Does it have to have an official signature from the lender as an accepted credit card?
There is no credit limit stated ; no %age APRs listed or any repayment dates or frequency of payments
Is this a properly constituted CCA without these?
(2) 1st credit ; sent the CCA request off, sent the 30+12+2 Niddy special letter off , they couldnt find it, 2 months later i have received a CCA; amount £3173.20
Again they have not provied any statement at all from the account, considering any payments during the IVA period.
The CCA has been been officialy signed, this CCA does state the minimum payments, APR everything but there is NO credit card limit on the CCA at all, i understood that any CCA must have this to be usable?
The other companies i have sent the CCA request and the 30+2 letters have not replied but these 2 have.
I would be over the moon for any advice on what to do next, im more than happy to attach the CCAs or send them to someone to look over.
If they are usable against me , which i dont think they are im assuming i have to make a repayment proposal of some kind.
Again many thanks in advance for anyone who helps...
yours continually stressed
DeanJF
Firstly a brief history of mine and my partners situation, back in 2008 I lost my job, we struggled obviously to meet our repayments on our mortgage and loans credit cards and ended up in a terrible circle of borrowing where we could to pay all, eventually it got to the point where the stress and constant fire fighting got to much and we were repossessed it was the best thing to have happened in the end.
So we moved back into my parents; and then the debt companies started there endless chasing. At this this time i was working part time and my partner full, so we went down the IVA route blindfolded. We signed up 18 months ago, and was paying £349 a month which was barely affordable ; i was offered full time and at out end year review the IVA company decided that we should be paying £749 a month, which was more than i was even earning as full time and we have a son to keep. We decided that as this would leave us nothing to live on, and we cant stay at my parents forever to cancel the IVA which we did.
I stumbled across your site and did some exhaustive reading on what my rights are and what we can do regarding the debt companies chasing which there are quite a number and started on the UE route.
This is the current situation ;
(1) Aktiv Kapital , sent the CCA request off, sent the 30+12+2 Niddy special letter off , they couldnt find it, 3 months later i have received a CCA; they have attached a statement from the credit card.
They have not provided a statement from themselves, no explanation as to how the debt has gone from £5628 in 2006 to £6526 today, no information of any payments from the IVA going to the debt
I have had a look into what a properly constititued CCA should look like and seek some help; it has been date stamped as received and signed as receieved. Does it have to have an official signature from the lender as an accepted credit card?
There is no credit limit stated ; no %age APRs listed or any repayment dates or frequency of payments
Is this a properly constituted CCA without these?
(2) 1st credit ; sent the CCA request off, sent the 30+12+2 Niddy special letter off , they couldnt find it, 2 months later i have received a CCA; amount £3173.20
Again they have not provied any statement at all from the account, considering any payments during the IVA period.
The CCA has been been officialy signed, this CCA does state the minimum payments, APR everything but there is NO credit card limit on the CCA at all, i understood that any CCA must have this to be usable?
The other companies i have sent the CCA request and the 30+2 letters have not replied but these 2 have.
I would be over the moon for any advice on what to do next, im more than happy to attach the CCAs or send them to someone to look over.
If they are usable against me , which i dont think they are im assuming i have to make a repayment proposal of some kind.
Again many thanks in advance for anyone who helps...
yours continually stressed
DeanJF
from the Boss.......
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