yep still there mate and have been seriously job hunting for ages - need to smash the interviews though as thats where I fall down. I've found a letter that says they cant enforce the debt and says "Any deposit or trade in has been used for the PPI insurance, not for the purpose intended. As a result the agreement is unenforceable." And a further letter was sent saying this "Could you also tell me why, where it is unlawful to use a deposit against any insurance (PPI, GAP) of any kind instead of the car, you still feel the agreement is enforceable. It was not down to me to know what the deposits were going to be used for, that fact remains – the deposit should not have been used against the insurance(s)." Should I enclose these letters with the form I need to send off?

I certainly do mate - how are things with you? And thanks for the merge - I should be able to get some documents/letters from here.

Thanks Bankfodder There was basically a lot of letter ping pong with them - I might have the letters on my pc somewhere, which would refresh my memory. I'll start searching hard drive and external drives now to see.

Hello all - hope everyone is safe and well. I had help from you guys years ago with yes car credit who, long story short, sold me an invalid policy. I received the attached letter this morning concerning PPI - I think I mentioned this to them years ago but didnt persue it. There was a form enclosed for me to fill in and send back by 23rd November and my question is do I just fill out the form or do I need to tell them anything else? Many thanks Plevin.pdf

Hello all, long time no post When me and the mrs first signed up to brighthouse the late payment charge was £5. We have missed the last couple of weeks and discovered that the late payment charge has gone from £5 to £12. We've had a lot of phone calls and even a visit from some bloke who said he was from brighthouse. What can i do about the "unfair" late payments etc please. Surely if we signed up for £5 late payments then thats what we should be paying - we'd be happy with that and not £12. Many thanks P

Yes it was.

I see lowlifes have signed for the letter on the 7th may and so far i have received nothing from them.

Just completed the AOS online (as directed above) will have a look through some threads tomorrow re farters. Off to bed in a bit as i have an early start tomorrow.

Finally registered on MCOL but didnt bring papers with me so will have to sort tonight when I get in from work.

Letter received from bcs today. Converted - hope this works If that doesnt work i will scan it properly tomorrow at work and post lunchtime. mcol still ropey as well keep getting error after clicking enrol button

Sent the CCA and CPR off recorded yesterday.

Still no joy after entering my address on MCOL. i have tried chrome, ie and firefox and all come up with the error. I can log in but it goes straight to the address page. Will keep trying though.

Just tried to setup my login and it failed after i clicked enrol - will try tomorrow dx have to be up at 5 to drop the mrs off.

Claimant: Lowell Portfolio LTD Issue Date: 29 APR 2015 Have until 31 May 2015 to submit defence Particulars of claim: claim is for the sum of 1420 being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant and vanquis under account ref *** and assigned to the claimant on 16 July 2012 notice of which has been given to the defendant. The defendant failed to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with and the claimant claims 1420. The claimant also claims statutory interest pursuant to s.69 of the count act 1984 at a rate of 8% per annum from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 100 amounting to 113. Value of claim: amount claimed 1533 court fee 105 solicitors costs 80 total amount 1718. Claim is for credit card entered into agreement 28 March 2007. Debt purchaser (lowells) has entered the claim Can not recall a notice of assignment or default notice - will go over my paperwork Do not recall recieving a "notice of default sums" notice. Charges on card kept going up. Will check records for last payment. Yes Vanquis failed to provide a signed true copy of a CCA. Didnt enter into a dm plan.

Just got the claim today so will start on the defence over the weekend and post it over the town. Will go through all previous letters as well (time to route around the cupboards). I know i have to cca/cpr lowlife now and do the usual not sign the letters? They dont have a signed cca (vanquis never had one) so lowlifes wont have one either.