Thanks for your comments Di.
Yes I sent seven CCAs to Niddy and four are considered to be unenforceable, which was quite surprising given the relative newness of the accounts.
The other two creditors (Ratesetter and MBNA) - I have not requested the CCAs yet as they have never asked for any payment since I stopped paying the full amount almost two years ago.
There has been silence from the creditors I was paying token amounts to up until August this year. Although this may be due to me disconnecting my home phone
I will continue to update the thread and ask for help, especially the HSBC and Tesco ones which could prove to be a bit more problematic.
Yes I sent seven CCAs to Niddy and four are considered to be unenforceable, which was quite surprising given the relative newness of the accounts.
The other two creditors (Ratesetter and MBNA) - I have not requested the CCAs yet as they have never asked for any payment since I stopped paying the full amount almost two years ago.
There has been silence from the creditors I was paying token amounts to up until August this year. Although this may be due to me disconnecting my home phone
I will continue to update the thread and ask for help, especially the HSBC and Tesco ones which could prove to be a bit more problematic.
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