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...

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...

Hi everyone I'm hoping someone can help me...

My oh went away working at short notice so i opened his post. I found a letter saying that 1st credit would like to send a doorstep agent to assist in resolving a debt of approximately 3.5k, reduced by 70% if he got in touch quickly. The debt...

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,...

I wonder if someone can help point me in the right direction.

My cousin has MS, and on top of this, has been struggling with depression for many years. My aunt has recently moved in as my cousin's mental well being has deteriorated to such an extent that she is now suicidal
...

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...

If any one can help with my problem I would be gratefull. I am sure it is quite basic for most of you but it is a big worry for myself.

Some years ago I took out a capital one credit card they started me on the lowest amount £100 or so but then kept increasing it, I never asked for the...

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...

Dear all,

Great forum, wish I had found it sooner.

Am after some advice please.Please advise if I am posting in the wrong area.

My partner and I racked up large debts over a c10 year period for a variety of reasons.

By 2008 we were unable...

26
owe around 5k in debt
5 defaults (didn't know littlewoods defaulted me until i used free trials to check my credit report)

last default was for me to able to pay littlewoods caterlogue registered 28/04/2012

oldest default 17/10/2010 HSBC

I basically...

Hi,

I'm filling out some forms to send off to loans companies for the PPI thing.

I'm doing one for a halifax loan I had in 2006. It asks what the loan was for and part of the reason was to pay off other debts. THing is I can't remember what those debts were. I have no paperwork...

Basically, my mothers HSBC account has been sold to Metropolitan collection services.

bit of history.

Had an arrangement to pay £10 per month, i wrote to them after 6 months offering to increase to £50 per month, received a default notice inbetween increasing the offer....

Hi and hello to everyone.

Great site with loads of help and as such I am reclaiming PPI from a few organisations but have come across a slight problem.

On the template page it says to use a digital signature which I do anyway but also it says "Remember never to sign...

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...