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  • Consumer Credit Regulations 1983 3(2)b

    Hi,

    I'd appreciate any clarification of this.

    The Halifax have sent me a photocopy of a Credit Card Agreement which appears to have my dated signature on, however the signature/date space on behalf of Halifax plc is blank. The letter from Halifax states the following:
    The copy
    ...
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  • Strepsi
    started a topic Start of my diary

    Start of my diary

    I am about to start my CCA quest. More info to follow.
    Where I am at the moment, I have sent some requests off to test the water.

    At the moment received three replies, two of which have proved unenforceable according to Niddy. One for NEXT and one for Barclaycard (my wife). I also...
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  • FCA launches call for input on retaining CCA provisions

    FCA launches call for input on retaining CCA provisions

    This is a duplicate of the Blog Entry made on: 19th February 2016 16:24
    The Financial Conduct Authority (FCA) has today launched a call for input on the review of retained provisions of the Consumer Credit Act 1974 (CCA). The
    ...
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  • ey_137
    started a topic ey_137 UE Diary

    ey_137 UE Diary

    HSBC Loan £14,730 started 30/03/2006
    Sold to Metropolitan in 2008 then Hillesden Securities Ltd (DLC) 14/01/2009
    £10,859.54


    HSBC Credit Card
    Sold to Metropolitan in 2008 then Hillesden Securities Ltd (DLC) 14/01/2009
    £2816.98

    HSBC Overdraf
    ...
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    Last edited by ey_137; 25 September 2014, 20:08. Reason: Reply from dlc

  • Durkin Supreme Court Judgment - 26 March 2014

    Well in around 20-30 mins the eagerly awaited Durkin (vs HFC/PC World) Supreme Court Judgment should be handed down (09.45am)..

    --> http://www.supremecourt.uk/cases/case_2012_0135.html

    The key points are:



    Let's see...........
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  • Shandy
    started a topic Received Claim from BW legal

    Received Claim from BW legal

    Hi, My partner has just received claim via CCBC from BW Legal saying the Claimant claims XXXX from defendant under a Current Accounts Agreement regulated by the Consumer Credit Act 1974.

    As far as my partner can remember she has never held any such account. What can she ask BW to provide....
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  • Battendown
    started a topic Mr & Mrs Battendowns Battle

    Mr & Mrs Battendowns Battle

    About time for me to start my diary for myself and Mr Battendown.
    We're in a lot of credit card debt, in excess of £40,000.
    We have a few CCJs between us.
    We are in an arrangement with some of the credit cards, and haven't paid the rest for a few years.
    Most of the debts are...
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    Last edited by Battendown; 17 February 2014, 23:49. Reason: So it makes more sense.

  • Chaplin
    started a topic Chaplins diary

    Chaplins diary

    Hello AAD members this is the start of my diary-hope i set it out correctly.

    Bit of background, I am currently suffering with anxiety and depression and on IB and have been for a number of years now, my partner works part time and is on a DMP with Payplan, we have two children, house is...
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  • ken100464
    started a topic If you ever wondered

    If you ever wondered

    Ever wondered how much they pay for your debt to hassle you and make your life miserable.

    Have a read of this and see what our friends pay.

    Disgusting to think its 4%. And if this is an average just think what a crap portfolio costs. Do the banks actually pay them to take...
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  • SaltnVinegar
    started a topic Section 24 of Consumer Credit Act 1974

    Section 24 of Consumer Credit Act 1974

    Hi All

    I think I'm on to something here that may take down a couple of payday loan lenders, but need smarter brains than mine regards the legalities!

    Looking at the PDL industry it is frequently the case that most of these lenders operate in the US and then set up UK subsidiaries,...
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  • pooky2483
    started a topic Could they be UE?

    Could they be UE?

    Hi,
    I was just wondering whether to SAR JD Williams for 2 accounts my wife has with them to see if they are UE?
    It doesn’t look like any letters were kept or it's a case of they've not sent any letters in relation to the account but we do have statement No. 1 and its dated 2009. My wife...
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  • Streetwise
    started a topic Late wife's commercial loan problem

    Late wife's commercial loan problem

    Could someone tell me if this can be used for a loan agreement,a commercial loan agreement, I am the executor of my late partners estate and the bank have forged a copy of the loan agreement saying it is an original certified agreement but it is not, as I have the original and the two documents are...
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  • snudgerchops
    started a topic Snudgerchops UE Diary.

    Snudgerchops UE Diary.

    Hi All,

    I'm hoping that today 03/03/12 is going to be the start of happier times for me as I begin my UE journey in ernest.

    If you want some background on my situation please click the link below.

    http://forums.all-about-debt.co.uk/showthread.ph...
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    Last edited by snudgerchops; 3 March 2012, 08:18.

  • paleomg
    started a topic Where to start

    Where to start

    Hi all !

    I've been keeping an eye on you all since mse as I knew the day would arrive when I would need your help. Other Halfs business and pension have nose-dived over the last three years and trying to stay afloat has caused the debts build up.

    We have decided to sell...
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  • doozy
    started a topic Doozy Diary

    Doozy Diary

    MBNA

    Date Commenced :- Aug 1999
    Was £7500 , Now £8500
    Date last paid :- Aug 10
    In Default
    Optima legal services

    21 Oct '10
    Cca request sent after they issued me with a notice of sums in arrears.

    11 Nov'10
    They sent me the...
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    Last edited by Never-In-Doubt; 18 July 2011, 13:53. Reason: tidied post
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