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  • josefk
    started a topic Josefk diary

    Josefk diary

    I have started on my journey already and have been lucky enough to have Barclaycard admit to their purchase of an old egg card being UE and Lowells also wiped my balance off after asking them to send a copy of my credit agreement.

    This is my first issue below:

    • Type of a
    ...
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  • happy_bunny
    started a topic RBS failed to send CCA

    RBS failed to send CCA

    Hi all

    my OH CCAd RBS for a loan taken out late April 2007. After the date the rules changed.

    They sent back back a letter stating that after a look down the back of the sofa, they can't find the agreement. They said you did have the money though, here's a statement from your...
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  • Barclaycard Goldfish - new development

    Hi everyone

    Here is a history of my journey so far:

    Type of account: Goldfish Barclaycard
    Date Comnenced: Many years ago when was just Goldfish
    Approx Balance: £11,600 at start now £12,600 after interest and charges
    Date last Paid: August 2010
    Arrangement:
    ...
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  • chriwat
    started a topic Chriwat Diary

    Chriwat Diary

    Hi, posted in 'general debt' but moved to here....hope that's okay though link is below for your info

    http://forums.all-about-debt.co.uk/s...eation-Finance


    Type of Account....store card
    Date Commenced November 1999
    Approx balance...
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  • jules3107
    started a topic Help with old 1997 Debt

    Help with old 1997 Debt

    Hi all,

    I would appreciate some advise on a small problem I have regarding one of many debts but this is the biggest. Yet once I do this once, I can do it to the rest. This one has a bit of a twist though.

    Background info - Oct 1997 loan £8000 via Halifax. Was supposed to
    ...
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  • DAVEB71
    started a topic 1st Credit

    1st Credit

    Hello

    I've recently had a NOA from the Halifax saying they've sold the debt to 1st Credit, (or is the NOA from 1st Credit?) I was just wondering how to proceed from here on out, I know that 600 quid-ish is interest charges on an original 350 balance and I've not been happy with the, pay...
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  • Lloyds Credit card account sold to Marlin Europe 11 Ltd

    Letter dated 3rd December 2013.

    This letter is notification that Marlin Europe 11 Limited has had assigned to it all right, title and interest in the debt due in relation to the above account, previously owed to Lloyds TSB on 28th November 2013.
    This means that MARLIN EUROPE 11 LIMITED...
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  • Boltmaker
    started a topic RBS

    RBS

    Good evening/morning

    I recently sent a SAR to RBS regarding my cc account with a view to checking and reclaiming charges which over a number of years I think will add up to a valuable sum assuming I can get it back. All credit to RBS they were reasonably quick with their response sending...
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  • mike'y
    started a topic RBS unenforcibility query.

    RBS unenforcibility query.

    August 2006. I opened the account and did a balance transfer to RBS of £5.5k.

    I defaulted over a year ago and have received the usual letters from Green & Co, Moorcrofts, Midas and Fredericksons etc.

    14th August 2013. Bryan Carter Solicitors issued a summons.
    15th...
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    Last edited by mike'y; 24 November 2013, 15:12. Reason: To add more information.

  • xenaphon1970
    started a topic xenaphon1970's UE diary ( moved )

    xenaphon1970's UE diary ( moved )

    After my marriage breakdown in 2009 I was left with 17 creditors and an unsecured debt of 43k. The first few months were as most of you know dreadful, not wanting to open the post. But, as a one time financial employee I decided to brush up on my rights in respect to debt collection and the CCA 1974....
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  • Citicard / Opus / Cabot Vs The Chippy

    I won't bore you too much with this one, just get you up to speed.

    Stopped paying in 2010 and sent cca request to Citi. Had a letter back saying they were unable to find the agreement and therefore the account is unenforceable.
    Opus then took over the account. I challenged them to...
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  • apples
    started a topic Halifax UE

    Halifax UE

    Hi Guys

    Had a Credit Card account with Bank One around 2000 or earlier.
    Halifax bought Bank One accounts in 2000.

    I had debt on the account so tried to claim back charges pre the 6 year period, but failed in court (there is a story here) sometime ago.
    Sent CCA...
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  • kamba
    started a topic Unenforceability Help Required

    Unenforceability Help Required

    Hi All

    I have been requested by Niddy to seek your support

    I have had a credit card in dispute for over a year as bank have been unable to provide me with a signed CCA and advise they do not have a true signed copy

    this matter has also been all way to FOS where...
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  • hawkhead
    started a topic hawkead's UE diary

    hawkead's UE diary

    Hopefully having read some posts I will get this right.

    I had a Morgan Stanley (then Barclaycard from Sept 2008) card for many years and then lost my job, I always kept Barclaycard informed and negotiated to pay £25 a month in December 2011 which I always paid. Then without warning I...
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    Last edited by hawkhead; 24 September 2014, 22:07. Reason: Spelling

  • Mr BoomBaztic
    started a topic Halifax no CCA.....Next Steps

    Halifax no CCA.....Next Steps

    Evening all,

    Quick topic really, I have been succesful in having a total of 4.5k wiped off my debt due to no signed CCA with Shop Direct and MBNA.

    I currently have a Halifax credit card with no signed agreement, when i sent a SAR, i got a form back with terms and conditions...
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