Hi Worriedme and welcome

I am sure you will find the help you need, if we can kindly ask you to check through the following links to get used to the surroundings first:-

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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...

Hi Bubbiz and welcome

I am sure you will find the help you need, if we can kindly ask you to check through the following links to get used to the surroundings first:-

• Forum Rules and Guidelines
• User Help Guides
• To all the Newbies
• Frequently Asked Questions

...

ive been in dmp since May 2014. Owed debt approx 21k 10 creditors. I've recently changed jobs and have substantial increase in salary. I am really worried and stressed that when I come to my review stepchange will take all the additional monies from me and I will be left again with very little money...

Hi

My husband and I received letters for local solicitor acting on behalf of PRA Group (UK) Ltd demanding payment for MBNA credit cards x 3 (total debt = 8.5k)

Income/Expenditure form attached for completion.

Threatening legal proceedings will be issued without...

I need help with clarification on whether it is an obligation for the original creditor to inform the debtor that the debt has been assigned or is a letter/notice from the assignee sufficient ‘after the fact’?

It appears to my (non-legal) mind that according to the Law of Property...

Hi all

Does anyone know if the number of linked addresses on your CRA file can affect anything even if there are no credit agreements etc showing ?

I have several addresses showing on my file with Experian which I have never had any connection with. I think an ex business...

http://www.bailii.org/ew/cases/EWCA/Civ/2013/108.html

In a nutshell, an inaccurate entry on your credit file by a credit reference agency means knob all

I don't know very much about this, but do the regs apply to rolling credit agreements where the two parties never meet ? ie you pick up an application form in a supermarket for a credit card...or cut out an ad from a newspaper .

If the regs do apply, are the conditions with regards to supplying...

Hi Guys

Need a little bit of advice, I am looking at getting a mortgage with my girlfriend in the next few months BUT have a couple of things which may trip me up on my file. Looking for some guidance as to what I should do...

Basically, had a student overdraft with Natwest...

Hi All,

I am currently going through an IVA and after 2 years I changed jobs and my wages decreased, because i can't afford what i was paying initially, the IVA company offered to increase my term by an extra year. I have a property in my name which is part of the IVA but it is in negative...

Hi everyone just a thought

Had a old debt with Abbey Credit Card, Back in the day that was underwritten by MBNA. I do believe that this debt has been sold to a DCA a couple of years ago but am a little concerned that as I have some saving with northern rock, could MBNA help them self’s...

Hello,

First post so pre-warning you of stupidity I've been reading through the various bits of the site for a whoile today and have a slightly sweaty moment about the digital signature advice regards reconstituted credit agreements. Two years ago I submitted UCA claims to every...

Hi, First of all I love the site and help it was finding this site that got me started as after I lost my job a few years ago I got stuck and used CCCS. After getting a letter from arrow global when egg sold off the debts I thought enough was enough and have challenged everything.

My Egg(arrow...

Do defaults drop off your file six years plus one day or when they hit six years as mine is still on.

I want to kiss it good bye then say sorry it just never worked out between us