Hi all

I received some very wise and valuable help on here in the middle of last year regarding an account with Co-op Visa with an alleged debt of £4934.

In short, the original CCA agreement from 1993 was improperly executed and is therefore totally unenforceable.
...

One of our clients owes us a little over £1,000 for work carried out in July and August. He paid for May and June (all be they 4 weeks late each time). We have texts and emails where he keeps saying he will pay for July and August and lots of lame reasons why he hasn't yet. Then out of the blue he...

Hi all

I have been in dispute with Co-op Visa (credit card) for the last few months over what I say is an unenforceable agreement under CCA 1974. the amount in question is £4,900.00.

The agreement was taken out in 1993 but when I requested a copy of the original agreement...

what to do if you've received a legal claim

First things first, try not to panic. We can help you - once you apply for, and obtain access to the protected section that is most relevant to your situation, you'll be able to read various success stories from users of our forum who have used...

Hi all,

If you feel strongly with regards to DCAs/debt buyers paying pennies in the pound for YOUR debt data under the old Law Of Property Act 1925 and a bit of smallprint in some credit agreements, which enable debt buyers to take some people to court and claim the original outstanding...

Hi all,

Starting a shiny new thread to track my perilous journey with these cowboys.

To start off, the have just bought this off Lloyds, it's not been paid for some time (possibly nearing statute barred but must check.) Had the fishing "we're contemplating a statutory...

Hi there,

Im hoping you can help me with an ongoing debt i have had since 2003.

I stupidly signed for a Credit Card in a Halifax in Feb 2003.

I did not have a formal chat with a Halifax Representative i simply was asked would you like a credit card and the downward...

Good afternoon everyone,

I had a credit card with Halifax and made a CCA s78 request on 10 December 2010 which was sent Recorded Delivery. I never received a reply so stopped paying and advised them I was disputing the debt. Very little from them since until recently, when I started getting...

I need help with clarification on whether it is an obligation for the original creditor to inform the debtor that the debt has been assigned or is a letter/notice from the assignee sufficient ‘after the fact’?

It appears to my (non-legal) mind that according to the Law of Property...

Hi folks, thanks for All the nice welcomes.

We have received a Statutory Demand from bw legal acting on behalf of Lowels who are chasing an old debt with Capital One for £4000.00. The SD was hand delivered to a Tennant at a house we own but have not lived in since 2009 it was delivered...

My OH answered the door this morning to a man claiming to be from BW legal services, he asked for me as he has a letter to deliver to me personally.

My OH told him I wasn't available and he left without any further problem, taking the letter with him.

Having looked on here,...

Morning all,

I know a lot of you have spare time on your hands and wonder if you can help me out with a little project?

Basically someone very dear to me has been shit on by Mortimer Clarke Legal (MCL) and as a result I am looking for links from the webby for any similar cases...

Please may I have some advice, as I am being chased for a debt that I believe to be statute barred, but a Statutory Demand was issued in 2008 against this debt, although, I won the day in court, will that count as an acknowledgement and reset the the SB clock?

Good morning PI & FV, I was trawling for some information on CPUTR and found you all, what a pleasant surprise!

I may ask a question soon on CPUTR as I have a 2004 Morgan Stanley Barclaycard just sold to Lowell. Lowell are threatening a statutory demand. I have a seriously bodged...

I was recommended this forum for my current problem.

Back in 2006 I made a purchase via interest free credit (can not remember who the original creditor was, but the purchase was from Jessops). A few years later the creditor changed to Barclays Partner Finance, as a result of a rename...