Thank you

Hi I wonder could anyone give me any advice please. A friend of mine took out a life insurance policy in 2005 which included critical illness for any children from 30 days old until 18 years old. In Dec 2015 her 15 month old only child was diagnosed with Leukaemia. She wanted to claim on this policy for her child only to be told the child wasn't covered until she was 3 years old. On checking other insurance companies they all offer cover from 30 days old. Is there any statute with insurance companies or can they all choose there own terms

Letter today offering to reduce debt by 30%. Is this CCA enforceable?

The only statements I received were copies of there own records. they were received with the CCA that I have posted in July 2015. Thank you for your help dx

Yes they said they would send to 3rd party collection agency who may apply to county court for a judgement 7 if they are successful it could involve an EJO or bailiff calling to my home. I am in N Ireland do we have bailiffs here?

Another letter this week threatening 3rd party CCJ & bailiffs. Can anyone advised what's next?

Letter from Lowell today they are disappointed I haven't contacted them and urging me to contact them or they may blah blah blah. Any advice on what I should do now?

can someone check these please to see if this is enforceable and this

I just remembered about this payment it was made on line from an old Alliance & Leicester account (now Santander) I was supposed to pay my daughters account but paid this by mistake. I suppose this leaves me up the creek without a paddle:sad:

Have received another letter from Lowell stating they bought the debt from Cap 1 & are entitled to collect. In response to my CCA request they have sent me a photocopy that says Application Form with my signature & several photocopies of terms & conditions. they have also enclosed statements. Now I thought this was already statute barred & is no longer on my credit file but I have noticed a payment made July 2010 don't remember making this payment obviously a mistake on my part. They are putting account on hold for 1 month until I contact them about payment. Can anyone advise what I should do now?

2 letters received ( I have 2 cards ) 1 from PRA Group stating from 1st March Cabot has appointed them to manage their on going relationship with me & to contact them about payment. The 2nd from CCS Collect to contact them to pay back in installments to suit my financial circumstances.

Received another letter today saying they were putting account on hold until they receive info from Cap1

Hi Sliick Thank you for your reply. The last payment would have been a month or 2 before I sent the CCA request which was March 2009. I do not have the exact date of last payment how would I get this info?

DN for this was placed in Aug 2009 although I had stopped paying around about Feb 2009 maybe even earlier. Received a letter today from CCS Collect on behalf of Cabot asking me to contact them. Can anyone tell me who they are and what I should now do?

Received letter from Lowell today saying they were asking Cap 1 for cca & would reply in 12 days.