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  • alfie
    started a topic Alfies Diary

    Alfies Diary

    Starting this slightly unusual one as it relates to a current account overdraft and a request for its credit agreement given the newer rules on overdrafts.
    The newish rules say that a credit agreement is required for overdrafts after 2011.
    In this case however the 'draft was...
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    Last edited by alfie; 22 May 2017, 18:12.

  • Arrow Global Limited ( Restons Solicitors Limited ) v buffy300577 - Issued 2 May 2017

    Your AAD Forum Username


    Name of Claimant

    Arrow Global Limited

    Name of Claimant's Solicitors

    Restons Solicitors Limited

    Claim Issue Date

    2 May 2017

    Who Signed the Claim Form?

    The Solicitor Firm (i.e.
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  • pipsaholic
    started a topic Bailiff Visit

    Bailiff Visit

    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...
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  • Frosty873
    started a topic The start of a debt free life

    The start of a debt free life

    Hello all, just a little about me - my hubby and I have found ourselves in big debts altogether, and after browsing through this forum over the past few days (which has already turned out to be super helpful and supportive) we both made a decision yesterday to stop making payments in anticipation of...
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    Last edited by Frosty873; 8 May 2017, 11:13. Reason: Edited colour code

  • URGENT HELP PLEASE - Letter from Restons Solicitor

    Have been onthis forum for nearly 4 years. I have been quietly getting on with the unenforceable route with five different debts.Everything has gone well until today when I received this letter. I am unsure as to my response as I still have not received a proper signed original agreement from a CCA...
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    Last edited by Spud; 23 March 2017, 20:56. Reason: Delete letter with personal ID showing

  • OC has combined amounts from current account and credit card

    One of my debts (no. 21 in my UE diary) is the combination of the overdraft from a First Direct current account and a First Direct credit card. I sent a very inaccurate CCA request to Metropolitan Collection Services last December (before I found AAD!) and in their reply, HSBC chose to concentrate only...
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  • mikethebike42
    started a topic fidèlité card!

    fidèlité card!

    Well I came home today and my sister said a man left you this envelope was trying to demand your mobile number! .

    In the envelope was a card from fidèlitè credit management saying I have to call to discuss my account.I have no idea who these people are!.

    I did have a...
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  • KKA
    started a topic Sale of Debt - CCJ

    Sale of Debt - CCJ

    Hi Guys
    Wonder if anyone can offer some advice on the following.

    In 2013 i was issued with a County Court Claim from an original debt owed from a defaulted balance - default date 2011.
    At the time i was making agreed monthly payments and my offer was to continue this at the...
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  • Capital One asking for proof of income and to fill in income/expenditure form

    Hello all!

    so i used the template here to settle a balance with capital one, they rejected it and also the £1 offer a month.
    the balance is only £77.

    they sent a letter asking me to fill in the income/expenditure form which is expected but they are asking for my wage...
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  • Help with Default and loan agreement

    Hi everyone, I hope someone can help.

    A few years ago (2013) I took out a business loan through one of the UK's Start Up Loan delivery partners; long story short the biz didn't go to plan, so had to revenue to pay back the loan (which was £6,000).

    Anyway, I recieved a default...
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  • pipsaholic
    started a topic Credit Card Agreement

    Credit Card Agreement

    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...
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    Good morning,

    I am trying to help my Son - he has an outstanding invoice from a customer who is point bank refusing to pay for several tons of pea gravel - the total outstanding is over £6K!

    The building supplier is aware of her stance but ultimately I think my Son is liable.....he...
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  • LeeC
    started a topic what can you claim back from store cards?

    what can you claim back from store cards?


    has anyone claimed anything back from store cards?
    if so what can you claim back?

    i know you cant claim the interest back that they charge on each statement but can you claim fees for late payments? being over credit limit?

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  • LeeC
    started a topic Pounds to Pocket

    Pounds to Pocket

    anyone received this email response when trying to claim back interest on a loan:

    Customer ########

    Thank you for contacting Pounds to Pocket. The contents of your email were duly noted. We apologise if there was any delay in responding to your complaint....
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    Last edited by cymruambyth; 11 October 2016, 07:16. Reason: Name removed

  • Advice on having small debts written off while on sick


    this is my first post here

    currently i have 12 creditors and the balance on 8 of them are all under £150, with me being off work currently due to health reasons i was wondering if its worth writing to these creditors and asking if they will write the debts off due to...
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