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  • Unenforceability when can it come into force?

    I've a bit confused about this unenforceability of loans/credit cards etc.How would I know if this is the case?I've loans with GE Money nov 2004 a Secured Loan with Central Trust in nov 2006.The later had mis sold ppi which was refunded then rescheduled in nov 2009.My husband has credit cards which...
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  • Rascaljesse
    started a topic Help with Marlin

    Help with Marlin

    Cant seem to find where to put this, .........
    hi, am looking for some advice re. Marlin dca, they have sent me notice of assignment for two hsbc debts, one cc and one personal loan, have not paid or made any contact with anyone since june 210' but after looking through my 'stuff' I would say...
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  • Polar Bear
    started a topic Aktiv Kapital Diary

    Aktiv Kapital Diary

    Hello all

    Just thought I would keep a diary on this blog cos I think this could run and run and I hope it might help others or if anyone has any advice then please feel free to comment.

    It all started out of the blue March 2012 when I received a letter addressed to me but with...
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  • Adinuff
    started a topic Adinuff's UE Diary

    Adinuff's UE Diary

    Hi everyone,
    ive been advised to start a DFD. Just been looking not many people are doing this Im wondering if i am in the right place. Do i need a new thread for every debt or just 1 thread for all of them

    Adniff
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  • Elkyelky
    started a topic Mother's debt

    Mother's debt

    Ok so my mother is in debt to several credit card and catalogues, some thousands of pounds. She knew, due to a change of circumstances, that she would have to stop repaying and default on all of her agreements. She stayed with me very briefly and had the address changed with all her lenders. She...
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  • Paul.
    started a topic Cabot

    Cabot

    Does anyone know if Cabot are still issuing claims?

    They used to appear regular, but now they dont seem to appear at all

    I dont see their name appearing much either on the forums
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  • JohnS
    started a topic Halifax Default now with Iqor

    Halifax Default now with Iqor

    Hello,

    In February of 2010 I got into debt problems with Halifax after I lost my job and ended up with an overdraft of £4500 that I couldn’t pay and the debt became defaulted. I moved house shortly afterwards and stupidly decided to ignore it. I got a couple of letters from Wescot...
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  • putupon12
    started a topic what to do

    what to do

    Late 2005 received a demand for outstanding credit card debt from 1st credit made an offer to pay token amount they refused, a few months later another request for payment from another DCA ,they accepted the token offer and sent a paying in book I paid without fail for quite awhile, got request from...
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    Last edited by putupon12; 20 January 2013, 20:23. Reason: to much info

  • btcc_racer
    started a topic btcc_racer Diary

    btcc_racer Diary

    Barclays (over draft)
    before Apr 2007 (not sure on exact date)
    Balance: 3349.81
    Last paid £50 payments to Barclays before handed over to Lewis Debit recovery
    not paying
    Status: Default
    Account owner Lewis Debt Recovery – Barclays overdraft
    ...
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    Last edited by btcc_racer; 8 January 2013, 21:14.

  • Exclus
    started a topic Account terminated

    Account terminated

    About 17 years ago I had a credit card with Associates, who morphed or were bought out by Citi. Some years ago I stopped paying Citi and requested a copy agreement - after some tooing-and-froing they admitted they could not supply an agreement, and duly sold the debt to Hillesdon. Hillesdon also confirm...
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  • ken100464
    started a topic Elephant in the room

    Elephant in the room

    Ok am sure many are thinking the same question but not willing to put their hands up so I will.

    A sudden flurry of being referred to Pauls blog which is a good read.

    However the very first thing that comes to mind and there will be a simple explanation to it I am sure is...
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  • julian
    started a topic Stats on wins?

    Stats on wins?

    Just struck me that there are various court case wins/losses and unenforceability issues covered in the forum. Are there any tallies to give users a view of (likely) successes in generic or % terms?

    e.g.
    pre 4/2007 agreements

    Bank Cases Win...
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  • cymruambyth
    started a topic Barclaycard unenforceable!

    Barclaycard unenforceable!

    My OH has been paying RMA for about 5 years. During the summer I sent a CCA. We have just had a response, currently unable to provide a copy of the terms of your credit agreement as varied in accordance with s 82(1) of the Act.......prevented from enforcing.......but you should continue to pay!!!!!...
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  • cardiac arrest
    started a topic Hillesden Securities Ltd

    Hillesden Securities Ltd

    edit
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    Last edited by cardiac arrest; 12 December 2012, 00:39. Reason: link

  • pooky2483
    started a topic Parking Eye - WTF

    Parking Eye - WTF

    Has anyone else seen them...
    Silly little touch screen terminals at the back of the checkouts in ALDI?

    You now have to enter your car reg after you have done your shop or you will get a 'ticket'

    Yes, that’s right. I don’t know if its just this particular car park...
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