Hi all

I received some very wise and valuable help on here in the middle of last year regarding an account with Co-op Visa with an alleged debt of £4934.

In short, the original CCA agreement from 1993 was improperly executed and is therefore totally unenforceable.
...

Hi
The question is, after 4 months of not paying anyone and going down the UE route with some success do you think it is worth asking my creditors to write off my debts and what are the chances.
Obviously those that are UE or not responded to a cca request (pre2007) I wouldn't bother with...

Hi,
I Hope someone may be able to give me a little advice.

I got a Default Notice from a creditor that was dated 20/08/10, I have checked, and this Default is definitely defective (no rectify date, address of debt collection agency given under title of bank in question, not laid out...