We would like to move house and have seen a property we like. The house is £265,000 and we have 5% as a deposit (we might be able to raise some more). However, we are disputing unenforceability with some creditors and have some defaults between us. We have never missed a mortgage payment in 11 years,...

While temperatures drop, homes across the UK are gradually firing up the central heating. But why do some people feel the chill much earlier than others?

Each autumn - or earlier, if summer is particularly disappointing - there's an argument that sunders households up and down the country....

I've had a letter from an organisation who state that I may be entitled to compensation for my card and/or identify protection policy.

At first, I thought this was just another claims management company scam, but now I'm not so sure. It may be genuine and I think it refers to a Lloyds...

Hi Guys

Had a Credit Card account with Bank One around 2000 or earlier.
Halifax bought Bank One accounts in 2000.

I had debt on the account so tried to claim back charges pre the 6 year period, but failed in court (there is a story here) sometime ago.
Sent CCA...

I am compiling a list of all banks/lenders from 2006 - from those below can you notice any missing and if so, name them in a reply to the thread please.

I am aware that nowadays a lot of those listed will not be in existence but that's irrelevant, I want to list all lenders for a specific...

Sent the first CCA off to niddy to look at .
Here the journey begins

I have been advised by CAB that a DRO is likely best course of action for myself.

Just wondering how many others have had one or know of people that have had one?

Hi,
I was just wondering whether to SAR JD Williams for 2 accounts my wife has with them to see if they are UE?
It doesn’t look like any letters were kept or it's a case of they've not sent any letters in relation to the account but we do have statement No. 1 and its dated 2009. My wife...

hi there

my neighbour has got into a pickle with catalogue debt but the thing is that she has never signed anything at all.

it seems she ordered stuff from jd williams and then it arrived and they automatically opened an account for her. jd williams have several arms like...

I've already posted about a loan I have had with Northern Rock as this year I'm determined to get things sorted and fight back against my creditors.

Baiscally I opened a current account with HSBC back in 1994, had the account for many years. In 2008 the account had an overdraft of £3531...

Background

MCE Portfolio Ltd have had an application ordered by the courts to transfer ownership of a CCA debt for which a CCJ was orderd nearly 6yrs ago.

The debt was originally HFCs and they ping'd me when I knew nothing about the CCA or the processes we now know to be...

Hi everyone,
Looks like a very fine forum,lots of brilliant help,thank you "FlowerPower" for pointing me in this direction.

Ok, i have a dilema and any help would be most appreciated.
Back in the days of dumb, i never had the benefit of sites like this and...

Hi all. It's my first time here so hope i'm posting in the right place. Bit of background. Had debts of around £30k but have been on a dmp with CCCSfor about 8 years and are only roughly half way through. After taking advice from them we decided to go br to give us a fresh start else i would be be...

IN THE HIGH COURT OF JUSTICE
QUEEN'S BENCH DIVISION
ADMINISTRATIVE COURT



...

The handown of the Judicial Review is due to be handed down this coming Wednesday as 10 am, will post updates as I hear.