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"....

Hello everyone!

Basic details are:

• CCA Loan taken out with Lloyds in 2004
• Defaulted Jan 2008
• Arranged to pay reduced amount
• Stopped ALL payments in June 2008 - no other contact/payments since.
• Account closed by Lloyds Oct 2008
• DCA via Solicitors brought

...

Hi forum members

I'm due in court in Aug 2015 to defend a claim from a dc that I think should have being thrown out but the Judge says otherwise!



BRIEF OUTLINE OF MY CASE
-Unsecured loan with MBNA

-Last payment 28 Mar 2009

-Default...

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Help!
I have received a letter from Mortimer Clarke, their client Marlin Capital Europe.
Our client obtained a judgement against you on 6/12/13 ( Have checked trust online and they there is a judgement ). Because you have failed to pay the judgement debt in accordance with the terms of the...

If an agreement is not signed by the creditor, so an unexecuted agreement. My question is; does the creditor have the legal right to charge late fees interest etc.

My own opinion is no! I appreciate he may be able to sign in the court room, if so that would not entitle him to backdate...

This is a sunmary of the chain of events on this matter. I've only found this forum today. I was on a previous forum but not making great headway.

Towards the end of 2012 I received a claim from Northampton Bulk Centre on behalf of Arrow Global relating apparently to a debt owed to MBNA....

Hi, My partner has just received claim via CCBC from BW Legal saying the Claimant claims XXXX from defendant under a Current Accounts Agreement regulated by the Consumer Credit Act 1974.

As far as my partner can remember she has never held any such account. What can she ask BW to provide....

I have asked the creditors solicitors to agree to me amending my defence by way of a consent order. They have replied saying they want to see my amended defence first before agreeing to allow me to amend. Sounds a bit cheeky to me. So is this proper procedure or are they trying it on and what should...

Hi Everyone

I am currently battling BH over my car. I was just looking at the copy of the DN when I wondered if the dates and times are correct.

The DN is dated 17th Oct (Weds) and it says that I must pay the arrears before 6th Nov (Tues). The DN was sent by 2nd class post....

Is this ok
It appeared on my Credit file in jan 2012



Ta
Jon...

Hi All,

I have another problem now...just received a county court claim form for a Barclaycard bill of £5560.93 and I’m very worried and wondering what action I should take.

Any help or advice you can give me would be really appreciated!
Alfieh

Hi all, new here, and not sure where I should post this. I have a long running issue with 1st Credit, who were assigned a debt with Goldfish. I already had an agreement in place with Goldfish to repay a monthly amount and the interest was frozen, but 1st C wanted payment in full. At first they were...