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...

Minister: 'Outdated' landline charges should be scrapped

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Digital tax: 'HMRC wants a direct link to everyone's bank accounts'

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Hi I am in the process of trying to determine whether or not a couple of CCA's I have recently received are enforceable or not.These are from JD williams and Freemans.These accounts were both opened about a year or so ago and due to a drastic fall in income I can no longer make full payments to these...

Right to 30-day refund becomes law

This is a duplicate of the Blog Entry made on: 1st October 2015 11:57
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I'm sure that we all have digital files which are important to us. They may be wedding photographs, scans of important paperwork, video footage, or, as in my case, music files which could never be replaced.

Back up is critical. In the last 18 months, I have had two hard drives crash completely...

I've just received this, I do owe SpeedCredit, but they went into administration so hence this has been passed on. My loan amount was for £350. And nowhere near the £4k they want. What do I do, a CCA request? This debt will be from late 2012 or early 2013. More than likely 2012.

This...

My son has a dead laptop and not much money. He wants a new laptop that he can use with a mixer to do some DJing. Does anyone know if this one would be any good, or have any other suggestions.
thank you
http://www.johnlewis.com/lenovo-g500...-15-6-black/p1...

Well mine have finally given up the ghost, so looking for new ones, does anyone have any recommendations?

NB Deepie you're banned from this thread!!

Hi guys, would like a little clarification on the law regarding credit agreements, background, kays catalogue account originally opened online in 2008, marriage breakup hence problems, account sold on to Lowells, sent provit letter, had a response with copies of a statement, and a credit agreement,...

Hi everyone
Sorry I didnt know where this should go as I'm new to the forum.Here is the problem;I moved in with my ex-flatmate in june '12 on a joint tenancy. He'd rented the property with two different flatmates in the previous two years in the same situation. I paid the bill money to him as...

Type of account = Credit Card


Date commenced = long before Apr 2007


Approx balance = £9.3k


Date last paid = Aug 2013


Are you on arrangement or not paying = N/a


Status (default/in arrears/up-to-date)...

Hello I am new to this forum and I'm looking for some help I recently had a credit card debt sent to dca (rockwell) I had many debts around that time i asked them to send me a CCA which I requested via a template on this site to clarify where and when the debt came from they have responded with my digital...

Hopefully having read some posts I will get this right.

I had a Morgan Stanley (then Barclaycard from Sept 2008) card for many years and then lost my job, I always kept Barclaycard informed and negotiated to pay £25 a month in December 2011 which I always paid. Then without warning I...

Ive decided to try and stop buying cigs, and instead use a E-Cig vape.

It looks so cool, not like those shitty throw away onces you see everywhere, they really have come along way with these now.

Just picked up a Joye eGo-T Upgrade 1000mAh USB Passthrough Battery - Stainless...