hi, I wonder if anyone could help? I have a Spanish property with a mortgage (spanish bank) and I can't afford to continue with the payments. The property is unsaleable (nice house but the Spanish Property Market is on it's knees( Could anyone advise what the likely actions would be if I stopped my mortgage payments? I have a UK property with minimal equity and no other assets but a reasonable income if I stop paying the spanish mortgage. If you could advise what my options are or where I can find more information it would be much appreciated. many thanks

hi does anyone have knowledge of RCI Pure Points contracts? I have an issue that I would appreciate advice on but don't want to put all detail on here if it's not something that anyone has knowledge of (don't intend that to sound 'off' so apologies if it doesn't read the way I intend it) hope to hear from someone many thanks

Morning MandM Fantastic News and a well deserved result :D It's hard work and scary stull but this site is great, the support and advice is invaluable and the end result is worth the effort. Good luck with the rest Sunshine ps is it my imagination or do Egg keep losing these skirmishes????

hello again has anyone actually sent the 'acceptance of unlawful rescission' letter yet and if so, what response was there from MBNA? I'm in exactly the same position re DN, Experto, Varde so just following progress. I didn't receive a notice of assignment - just the letter from Experto saying that Varde have bought the debt etc etc They are stepping up the phone calls now that they've corrected the account number. This may sound daft but I'd like to be absolutely clear that the debt was sold and can't be handed back to MBNA before I send my 'Unlawful so go away' letter. regards S regards

morning HH I think you'll find that the 'other DCA' is just one of their trading names. MBNA offered much larger discounts than 20% before they apparently sold the debt so I'm inclined to think that 20% isn't generous at all. regards S

hello again when my post arrived today I have received the same offer of 20% or 15% discount. hmmm regards S

morning Itc I haven't heard from them but the 20% discount is interesting as MBNA were offering far bigger discounts than that before they passed the debts onto Experto. I'll have a search around for CMC best regards S

Hi Tinsie It's ages since I did anything with this Barclay's agreement. (been busy on Egg lol) I wrote and told them that they hadn't provided a conformant CCA and they stopped charging interest, I haven't paid, they don't chase and I just receive the monthly statement which I file safely. Not sure whether I need to do anything else at all in the short term as I've got a MBNA card to deal with next. oh dear - it's all go .... don't think that this helps you but good luck S

Thanks very much sipping as we speak lol S

hi everyone just to say that this is now closed and I'm afraid that I can't say anymore than that. :D:D a HUGE thankyou to everyone who gave moral support and excellent advice over the months. I'm extremely grateful. best regards S

good morning eggy12 sorry to hear about this development. As the Claim has been made, presumably via Northampton?, you need to acknowledge the claim - please make sure that you don't miss the deadline as you will have judgement awarded against you by default. It makes sense to defend the claim as, if you don't you defend then you will get a CCJ anyway and if you do defend then you have a chance of winning. If you can post up the relevant details of the claim and copy of the agreement (minus personal details) if you have it, then the more experienced Caggers will be able to advise you appropriately. best regards S

good evening just want to add my congratulations and very best wishes. A great result and thanks very much for sharing the information here to benefit others S

good morning I can't advise I'm afraid but this will take you back up the page and you will hopefully get help from someone more knowleable than myself best regards

was asking about Appeal but just spotted the appropriate thread

hi M does that count as an 'unless' order? So that you don't have to go back and ask for it to be struck out and they won't get extra time? If the claim is going to be struck out are you going to ask for your PPI as a separate claim or are you going to file a counterclaim ? S