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:...

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...

FCA launches call for input on retaining CCA provisions

This is a duplicate of the Blog Entry made on: 19th February 2016 16:24
...

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...

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...........

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....

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...

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...

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...

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,...

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...

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...

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...

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...

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...