I have an old CCJ from 2005 for a store card which I have been paying £10 a month for, however, I will quite soon be moving and will have no employment or assets for them to consider chasing.

My question is, can I simply tell them to go forth? as I feel that I've more than repaid what...

Hi Guys,

Im new to the site so please be gentle!

I am after some help regarding a default I have received with Santander in September 2012. The default amount was £1482 on a current account that mostly amounted from charges from them. I cleared the balance as soon as I was...

Had a monthly payment in place for ages on an egg card to cabot for £100 a month.

Suddenly had a letter yesterday that the payments are now £125 a month - starting 30th September!

Surely they cant do that without consultation with me.

I've not been in touch...

Hey all

Need some advice relating to a "final notice" I reveiced today from MK Rapid Recoveries for £2789.98.

A bit of background - I was made redundant from my job in March 2011 which is the primary reason I'm unable to pay this back. I was working from August...

Hello,

Hope someone can please give some advice. I have received several solicitors letters, from a few weeks ago. Regarding a credit card account, previously sold to a debt collector. I've been away, so just gotten the mail.

I had previously, over a period of years, tried...

Here are a list of my debts, I will add as I find the details

• HSBC LOAN
• Started April 2013
• Approx Balance £6200
• Last Paid 29/3/14
• Up to date

• HSBC Overdaft
• Start Jan 2010
• Balance £750
• Limit 1000
• Up to date

• HSBC

...

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

...

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...

Ruthbridge have recently starting sending me fan mail for an old debt that has been asleep for some time and I've done nothing to awaken the creditor.

The original creditor is Halifax One credit card originating from 2005 and was assigned to Apex Credit Management in 2008. My last payment/acknowledgement...

Hi,

a couple of years back i discovered on this forum that an egg credit card debt that was being pursued by a debt company maybe unenforceable due to the credtit/approved limit wording.

So,I followed the procedure requested the original agreement etc, and turns out that my...

Sadly, this may be familiar,


"Hello, this is xxxx from zzzz Credit Management.

"Hello - before you start, I only communicate in writing, and I'm waiting for my CCA request to be complied with"

"Whats a CCA?"

...

I am currently in a DMP with Zebra. I pay £280 per month beween 6 creditors. I have recently inherited some money and in a position to ask for settlement figures from all 6 creditors. I have been offered settlements at 80% of total owed by 5 creditors and 70% by the other. Is this a good deal or should...

Afternoon all!

I've been lurking on here for a while, but thought I'd better post because I could use your help!

I have an old Halifax credit card debt of £5550. The card was taken out back in 1998. In 2007 I lost my job and had to go onto reduced payments, and the card...

a debt of mine for lloyds was passed to the moorcroft group despite me being on an agreed payment plan, after reading a thread on I followed the advice of sending a request for a CCA with no signature on the letter. I have received a letter back stating that all cca requests must be signed to ensure...

Hi, been reading around the forum and it's very informative but I'm a bit confused at what my next move should be.

I received a letter from Aktiv Kapital about a debt I had with HFC Bank owing almost £6k, I sent a CCA request letter and they did respond, took them a while but they sent...