A week or so ago I received a Default Note from JC International.

This followed an arrears notice for £10.00, which had apparently accrued from an agreement I had with them to pay £5 per month that I had supposedly agreed to around September 2014 on the Monument account JC Interna...

Hi, been playing letter tennis with capquest regarding an old LTSB credit card account (opened early 1990's) that they purchased about a year ago.

I've received various documents and at least two recon's over the years both from Lloyds and more recently capquest, never the original or any...

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...

An increasing amount is being written in these (and other) forums about the Consumer Protection from Unfair Trading Regulations 2008.

It seems that this piece of legislation may be used to pin-down a creditor on whether or not they actually have an original credit agreement

...

Hi to all

We used to have a water filter unit in our home. When I was taken ill we had it removed as we couldn't sensibly afford it. We contacted the supplier Eden who have us 3 months free which was a chance to finish the stock we had. They sent someone to remove the unit but he came...

Hi Everyone,

I just stumbled across this site tonight, and after spending a couple of hours reading through threads, decided to bite the bullet and start my own diary.

I have built up an unsecured debt of around £52,000 and for many years have managed to juggle things around...

I really should have started these before now!

Capital One

Credit card taken out in 1999

Current dca is Robinson Way
Approx balance outstanding is £1400
Niddy has said that it's UE

August 2007 CCA request sent to Capquest
Last ...

This may sound like an idiot question but I do have a good reason for asking.

Under what law is there a duty to produce accurate accounts for a loan? accounts that are not only right but are comprehensible to the borrower? I have read the Consumer Credit Act 1974 (under which I have...

Hi guys.

A clients husband recently died, he had a flat, and according to his bank, a secured overdraft against that flat.

Our client is trying to sort out the probate and her solicitor has asked to get confirmation that the mortgage on the flat has been paid up (which it...

Dear Alleged Creditor/DCA

Data Protection Complaint

I notice from my credit report with Equifax/Experian/Call Credit that you are disclosing data regarding an alleged credit account of type xxxx under reference xxxx under name xxxx at an address of xxxxxx.

In...

Good morning PI & FV, I was trawling for some information on CPUTR and found you all, what a pleasant surprise!

I may ask a question soon on CPUTR as I have a 2004 Morgan Stanley Barclaycard just sold to Lowell. Lowell are threatening a statutory demand. I have a seriously bodged...

Question on a Fiesta engine. Had one before, and was quite a good car to me ..... I know some have problems, but need a Cheap and Cheerful run around.

Anyway, this one has a OHV crossflow engine. Apparently, according to the seller, this has NO cambelt or NO chain. ?? I know ford used...

I am receiving weekly demands from Cabot and they have very recently checked my credit file four times, twice in one day!
It is in regard to an old account that originated with a People's Credit Card, that was taken over by Citibank, I believe that this account was sold to a DCA during 2002, but...

So, here we are with my own story. I should warn you at the start that unless your idea of fun is watching black paint dry in a coal cellar at midnight you may want to leave now. Witty and entertaining this will not be. This case has been dragging on so long now I need FOUR initial posts to outline...

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...