Good Morning,
I currently have a debt of £13.6k with Capital One and currently in the process of negotiating an F&F payment.
Following advice, I requested a copy of my original contract signed with Capital One back in 2005 but now need this reviewing to see if it is...
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Capital One Credit Agreement
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PRA GROUP (UK) LIMITED v DIANA MAYHEW - WIN
‘“RECONSTITUTED AGREEMENT” – IRREDEEMABLY UNENFORCEABLE”
“UNREDACTED DEEDS OF ASSIGNMENT – NO ASSIGMENT PROVED”
So, held Recorder Bellamy in PRA Group (UK) Limited v Mayhew at Central London County Court on 22nd March 2017, at the end of a 3 day multi track... -
Reconstituted Agreements
I've been reading the excellent AAD guide to UE as a result of which I think I've got a better understanding of most aspects of UE, or so I thought at first! I'm sure I read somewhere that for Pre-April 2007 credit card accounts reconstituted agreements are NOT "valid,true copies and unacceptable".... -
Mbna unenforceable
Hi
I did mean to start this diary back in February but life got in the way.
So......
12/15 - ended payments to all our credit card accounts.
1/16 CCA'd all our CC's
-mbna (£21500) received a letter which said it was unenforceable.
-NatWest -£450...Last edited by Little_Miss; 1 October 2016, 11:12. -
Commercial agreement
Hi!
Hope someone can give me advise or help me with a template for this problem.
I am helping a friend to sort out a commercial coffee machine contract for her restaurant.
What has happen is, my friend was approached by a rep that sells coffee beans and they provide... -
Hi everyone hope im in right place
I'm new to all this so bear with me please not sure what to do next have a few debts but most are being paid something one b/card has been sold on again debt collection said may send to solicitors in 10 days without notice then got letter from there solicitors saying unless acceptable payments... -
Littlewoods Shopping Insurance
Hello
ive been reading through a few threads on here regarding littlewoods shopping insurance, and i am wondering if the shopping insurance would pay out if I needed to make a claim.
I cant quite remember the date i opened an account at littlewoods, but it was in 2010, and I had just started... -
TRADE CENTRE WALES THE CAR COMPANY HAVE LOST MY NEW CREDIT AGREEMENT?
Evening all.
Well today has been a new one for me I have to say.
I traded in a 2nd hand car for £500 and paid a £100 deposit to secure a car for my 16 year old son soon to be 17 in July.
I bought the newer second hand car for my son about 2 months ago on finance... -
Business account being classed as overdraft not covered by EU Directive
Hi all, I'm new please bear with me..
ive been looking at the threads regarding the CCA and the new EU directive, I've seen Diddys very good rebuttal in the sections concerning overdrafts, my question is this, is the HSBC commercial card an overdraft? because 1st credit says it is, and... -
time to sort this mess out
Hi toeveryone in the forum and thank you for all the info available to help me makea start on my financial mess.
my story started about 10 years ago with a lot of unsecured debt to the tune of£35k, I have been on dmp and never missed a payment, I never reallyquestioned the debts and threats... -
Apple Users Locked Out Of Files And Ransomed
Apple Users Locked Out Of Files And Ransomed
This is a duplicate of the Blog Entry made on: 8th March 2016 14:44
A virus is encrypting files on some Mac computers until users pay £280 for access, in the first such infection on Apple devices. A virus which locks computer users out... -
PRA Group
Hi all anybody had any dealings with this lot at PRA GROUP BUCHANAN CLARK AND WELLS HAVE RETURNED IT TO THEM funny I ain't heard of them before -
Consumer Credit Regulations 1983 3(2)b
Hi,
I'd appreciate any clarification of this.
The Halifax have sent me a photocopy of a Credit Card Agreement which appears to have my dated signature on, however the signature/date space on behalf of Halifax plc is blank. The letter from Halifax states the following:The copy... -
CCAresponse from MBNA / Abbey National - is this enforceable>
Hi
We, as a couple, have about £85k of debt. We have been with Stepchange for one year and have just moved to self-managed. We decided to CCA our one credit card which pre-dated 2007. Their initial response was a load of rubbish with current T&Cs. We went back (advice from the brilliant... -
Mkdp to hoist portfolio 2
Hi
Original creditor barclaycard account opened in 2001 or 2002 been transferred to different DCA at last transfer to mkdp which last year they issued county court claim and took me to court and judge struck out claim and now one year later from Robinson way say they had taken over my debt from...