Hi there,
I have a £8.5k debt with PRA from 2005 and requested a CCA last month. They responded stating that the amount was unenforceable as they couldn't find the original credit agreement.
I responded with a 10% offer to close the account stressing that it was unenforceable...
212 results in 0.0149 seconds.
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PRA Group
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Link Financial
Hi there,
Have an outstanding debt of £4k with Link Financials.
I requested a copy of my credit agreement on the 24th April and they responded on the 27th April to state that they didn't hold the information but would request from Barclaycard. They stated that this could... -
Cabot Financial (UK) Ltd (Mortimer Clarke Solicitors) v Smallpaws
Your AAD Forum Username
Smallpaws
Name of Claimant
Cabot Financial (UK) Limited
1 Kings Hill Avenue
West Malling
Kent
Name of Claimant's Solicitors
Mortimer Clarke Solicitors Ltd
16-22 Grafton Road, Worthing... -
'Can't pay, take it away' episode
Hi guys
I was watching an episode of Can't Pay, Take It Away the other day, and i noticed that the High Court Enforcement guys were on a job enforcing a writ where a lady had taken out a 4k loan?! I was under the impression that any debt under the consumer credit agreement could not be... -
Alfies Diary
Evening.
Starting this slightly unusual one as it relates to a current account overdraft and a request for its credit agreement given the newer rules on overdrafts.
The newish rules say that a credit agreement is required for overdrafts after 2011.
In this case however the 'draft was...Last edited by alfie; 22 May 2017, 18:12. -
Capital One Credit Agreement
Good Morning,
I currently have a debt of £13.6k with Capital One and currently in the process of negotiating an F&F payment.
Following advice, I requested a copy of my original contract signed with Capital One back in 2005 but now need this reviewing to see if it is... -
Lending Stream / PRA Group
Hi all, I'm on a quest to clean up my Experian report and have two entries for the same debt which I need some advice with.
They are Lending Stream & PRA Group.
The entries read as follows:
Lending Stream:
Account Started: 28/01/2011; Default Balance: £788;... -
Help with Default and loan agreement
Hi everyone, I hope someone can help.
A few years ago (2013) I took out a business loan through one of the UK's Start Up Loan delivery partners; long story short the biz didn't go to plan, so had to revenue to pay back the loan (which was £6,000).
Anyway, I recieved a default... -
Victory
Hi there I haven't posted here for a long time. This site has helped me so much and I want to just tell you how things have turned out.
around 2002 I was extremely mentally ill and consequently ran up over £45000 of credit card debts. With the help of the mental health CAB in Sheffield I defaulted... -
Credit Card Agreement
I asked for an original credit card agreement from my creditors only 1 company responded, which looked like a photocopy which someone in their bedroom and cheap printer has made up.
Question is when you sign up for credit is their a proper credit agreement like an original not photocopy... -
TRADE CENTRE WALES THE CAR COMPANY HAVE LOST MY NEW CREDIT AGREEMENT?
Evening all.
Well today has been a new one for me I have to say.
I traded in a 2nd hand car for £500 and paid a £100 deposit to secure a car for my 16 year old son soon to be 17 in July.
I bought the newer second hand car for my son about 2 months ago on finance... -
Spector UE Diary
Background
I have had severe financial problems since 2002/3 as a result first of being made redundant and then being swindled in business. Stress and health problems have exacerbated the situation.
I was left with lots of debt including a number of credit cards with... -
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... -
CLOSED - Continues in AAD+ Legal Section HSBC Bank PLC ( Restons Solicitors Limited ) v Digby
Your AAD Forum Username
Digby
Name of Claimant
HSBC Bank PLC
Name of Claimant's Solicitors
Restons Solicitors Limited
Claim Issue Date
17 February 2016
Who Signed the Claim Form?...
The Solicitor Firm (i.e. Joe Blogs -
Interest free Credit card to pay off a loan
Hi
IF my son was to get an interest free credit and ring up and pay off a loan (so he can save on the interest and reduce his monthly payment) would it be classed as a purchase or balance transfer and would a loan company accept a credit card as payment?
he only took the loan...