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...

Hi Guys,

Need some guidance here. I sent 3 repeated letters Lloyds asking for proof of debt/original contract/claim against me/original credit agreement) have now passed it over to Fidelite DCA and rather than sending me several letters like others demanding payment they are going to pay...

Well here goes firstly thanks for everyones initial advice its taken a huge weight already irrelevant of the outcome! Ive started my quest to get debt free with a lot of old credits cards!

Quick outline run up lots of debts upto 2007 due to failing business, robbed peter to pay paul and...

I asked for an original credit card agreement from my creditors only 1 company responded, which looked like a photocopy which someone in their bedroom and cheap printer has made up.

Question is when you sign up for credit is their a proper credit agreement like an original not photocopy...

Hello all,

It's still a little bit of time until any of mine are Statute Barred but it's a lot nearer than when I started! In fact, I've just looked and it's just over a year until all of mine are SB!

I've been looking around the site but I haven't found anywhere that describes...

Dear All,

I am finding it so difficult writing this post, but I really do not have anyone else to turn to. I know I have been extremely foolish, and I know my friends will not judge me on here.

Due to a difficult few months I have got involved in PDL yet again, I am beyond...