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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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  • wilfred
    started a topic Hello!

    Hello!

    Hi everyone!

    Been browsing recently and noted several helpful replies. Hoping to get some help and advice. regarding a specific problem I might have with Cifas and the elusive National Hunter,

    I will post details shortly in the appropriate section of the forum and look forward...
    See more | Go to post

  • 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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  • 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
    ...
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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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  • 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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  • CAPQUEST ( Restons ) v kilasuit - Issued 18 April 2017

    Your AAD Forum Username

    kilasuit

    Name of Claimant

    CAPQUEST

    Name of Claimant's Solicitors

    Restons

    Claim Issue Date

    18 April 2017

    Who Signed the Claim Form?

    An Individual (i.e. Joe Blogs)

    How much is being...
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  • leena
    started a topic Notice of issue of warrant of control

    Notice of issue of warrant of control

    Hi Guys, hope your all well, I've not been around for a while as all my debts have gone thanks to you guys, but my misses has a court letter as per heading, just after some advice really where to go from here and will they agree paying in instalment's, what we don't want is for them to take the car...
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  • Asset Link Capital (No5) ( Kearns Solicitors ) v Strepsi - Issued 23 March 2017

    Your AAD Forum Username

    Strepsi

    Name of Claimant

    Asset Link Capital (No5)

    Name of Claimant's Solicitors

    Kearns Solicitors

    Claim Issue Date

    23 March 2017

    Who Signed the Claim Form?

    An Individual
    ...
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  • scottygees
    started a topic CCA

    CCA

    So after months of deliberation I have decided to go down this route. I have debts both pre and post 2007 that are still outstanding. Is it worth sending off for post 2007 agreements as I get the impression these are exempt. Also do I send to the original lender or to the DCA? Any advice, including...
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  • andi2003uk
    started a topic Lending Stream / PRA Group

    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;...
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  • alianza
    started a topic CCA response

    CCA response

    Hi , new here , someone recommended this site.

    I got into debt after a divorce and was in a DMP. I stopped paying the DMP in October as the company was no longer able to operate so have decided to sort stuff out myself. I sent off some CCA requests to three debts and have had back a couple...
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  • julian
    started a topic Checkng for 'previous debtor'markers

    Checkng for 'previous debtor'markers

    Has anybody ever requested a SAR from a creditor where the debt is SB and Default annulled?

    Most financial systems delete records after 7 years of the last activity. The cost of maintaining, archiving records, and recalling archived records is high. So will past creditors keep and check...
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  • Zeppelin
    started a topic Zeppelin's UE Diary

    Zeppelin's UE Diary

    Hi.

    Some of the UE Diaries start with some background whilst others don't seem to but I reckoned I should provide some background, partly as it might help other forum readers and partly to give Niddy and the other advisers relevant background details on specific debts.

    I...
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    Last edited by Zeppelin; 19th February 2017, 09:08.

  • Streetwise
    started a topic Thought she was married.

    Thought she was married.

    My partner passed away six and a half years ago we were not married ,i thought she was married, anyway we had been together for 16 years and had two sons aged 8-15 when she died, i asked her pension scheme if i would qualify for a cohabiters pension and they said no.

    They have to keep the...
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