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  • INDEBTNEEDHELP
    started a topic IN DEBT NEED HELP FAST

    IN DEBT NEED HELP FAST

    Halifax overdraft: 5000 - Increased from zero to 5000 over the space of a couple of months a lot of which was gambling and they were also aware my credit card was almost maxed at the time.
    Halifax credit card 6500 - The first card i started using after buying a house in 2016

    Capital...
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  • Lloyds shakes up overdraft fees - but still charges borrowers 52%

    Lloyds Banking Group has announced an overhaul of its overdraft charges that it says will improve the finances of the majority of its current account customers.

    But the new measures could result in far higher costs for some Lloyds and Halifax customers - and make these banks some of the...
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  • Drydensfairfax Solicitors Default

    I have an unsecured credit card debt which was purchased by Max Recovery Limited in late 2012.

    The original creditor was mbna.

    The debt has never been on my credit file.

    Last year, I started receiving correspondence from Drydensfairfax Solicitors, who were acting...
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  • shaun196809
    started a topic O2 Default - Didn't know I had

    O2 Default - Didn't know I had

    Hi there,

    I reviewed my credit file today and saw that I have a default recorded by O2, which was under my closed accounts, for 20. Of which I paid anyway. Bizarre.

    Apparently the account defaulted in July 2012 and I had no idea this happened. And especially for 20!!
    ...
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  • shaun196809
    started a topic PRA Group

    PRA Group

    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...
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  • shaun196809
    started a topic Link Financial

    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 take...
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  • '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...
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  • alfie
    started a topic Alfies Diary

    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...
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    Last edited by alfie; 22nd May 2017, 19:12.

  • Start of my unenforceabilty journey

    So, in February I sent out CCA requests to all of our creditors. So far two have responded with copy agreements: Both are...

    Credit cards
    One commenced in 1994 and one in 2006 (my husbands)
    Mine has about 1700 (the 1994 one), husbands has about 7200
    Last full payments...
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  • Another PRA Group (UK) Limited Defeat in Court Today

    Another headache for PRA Group (UK) Limited today as we won another case against them in Walsall County Court.

    The District Judge found for us in all our defence points - the agreement unenforceable, no evidence of assignment, bad default notice, non service of statutory notices and s.78...
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  • Arrow Global Limited ( Restons Solicitors Limited ) v buffy300577 - Issued 2 May 2017

    Your AAD Forum Username

    buffy300577

    Name of Claimant

    Arrow Global Limited

    Name of Claimant's Solicitors

    Restons Solicitors Limited

    Claim Issue Date

    2 May 2017

    Who Signed the Claim Form?

    The Solicitor Firm (i.e.
    ...
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  • RhodriMawr
    started a topic UE Journey Begins

    UE Journey Begins

    After about 10 years with Step Change I have decided to go the UE route. Eleven creditors and 41k of debt!! I would be struggling to pay this back before retirement, I have diligently paid Through Step Change and sacrificied a lot, no holidays, no pension etc. CCA requests have been sent to all creditors...
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  • cymruambyth
    started a topic Annual Statements

    Annual Statements

    Can someone please clarify the situation regarding annual statements?

    What are supposed to receive them for?
    If you dont receive them does this make a debt UE?
    Can this be rectified?

    Thank you
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  • Frosty873
    started a topic The start of a debt free life

    The start of a debt free life

    Hello all, just a little about me - my hubby and I have found ourselves in big debts altogether, and after browsing through this forum over the past few days (which has already turned out to be super helpful and supportive) we both made a decision yesterday to stop making payments in anticipation of...
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    Last edited by Frosty873; 8th May 2017, 12:13. Reason: Edited colour code

  • Frosty873
    started a topic Help and advice for debt of over 80k+

    Help and advice for debt of over 80k+

    Hello all I'm new to this forum and I'm really hoping you are all a friendly bunch who won't judge me too much

    My husband and I have always been in debt for as long as we've been together, and we are at the point where we are just being crippled every month with high interest and fallen...
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