HI, I have sent it all off today and will let you know what their response is. Am i right if they dont have the original signed agreement it becomes unenforceable and they cant take me to court for it?

Hi There, So to summarise, I send them a CCA along with the pdf answers saying I dispute as they have not sent me any paperwork yet. Sent by recorded delivery. And no I have not moved. I have had no correspondence with them what so ever. Regards

HI, I m sorry I am new to this. So i fill in the form you linked me too saying I dispute the debt as they have not answered my CCA request and then I send a CCA separate. and copy the same CCA on the form and the following: A copy of the Default Notice A copy of the Notice of Assignment A complete set of statements detailing exactly how the debt has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement And then print my name?!?

HI Andy, SO I use the CCA letter in your link and send this to PRA group and await a response and then post what they come back with. Regards Steve H

Hi Andy, Letter of claim from PRA Group. Regards

Hi Everybody, I have received a Practise Direction on Pre-Ation Conduct & Protocols from Barclaycard for £8626.66. I got this through my business being in trouble during Covid where we received no support from the government as we were limited company. Whats the best course of action please? I am a homeowner. Thanks

Hi There, Been playing games with MBNA for months now on CCA etc and they passed onto PRA Group to chase, they have come back now and said the application was done digitally! Not sure where I stand now or what I can do? Thank you in advance for your help. Regards Steve H

Hi There, Do you mean upload what they have sent me? How do i do that?

Hi There, Should I just stop paying them the £50 a month and let them sell to a DCA then, and then tell them they cant take me to court as they have no agreement? Regards

Hi There, This is direct with Barclaycard. Am i right in thinking that without an agreement they cant take me to court?

Hi There, Not posted for a long time, but here goes! Owe Barclaycard £9000 and have sent them a CCA, they have replied with a letter sending me a copy of the agreement but not signed by me. They are saying the account is not in dispute because of any delay in providing your copy documents as section 78 (6) (b) was repelled on the 31st May 2008. It is now no longer an offence for a creditor to fail to comply with s78 (6) for more than one month. What is my best plan of action now. Thank you in advance for your replies. Steve H

Hi There, All going well thanks for the excellent advice. Im having a slight problem with V12 retail finance, I owe them £420 for a TV and was paying £50 a month and have offered them £15 which they have rejected. They want to see my bank accounts that I am reluctant to show them as in comparison to what I owe others their amount is peanuts. Shall I send them a cheque for £15 each month and be done with it? Thanks in advance

Hi There, Just opened my mail and got a default notice from Barclaycard for late payment and the same from Secure trust bank, no mention of my letter I have sent them. Shall I wait for them to acknowledge my letter or send them another one, if another one what shall I out in it? Regards Steve

Hi There, Received some more letters from my creditors as follows: Hitachi: Have asked to see what I owe other people and how much I intend to pay them from my outstanding £208 per month. Nationwide: Have stopped collections on my account for the next 30 days to give me some breathing space, however, I need to get in touch with them in the next 30 days to let them know how ill be repaying the debt, Capital One: Say before they can agree a payment plan with me they need to discuss it with me and have found talking to customers directly is the best approach. Would be nice for you guy to let me know the best way to approach each one, is it just send them letters with offers or ignore or what? Thank you so much for your help, without this forum id have no hope. Regards Steve

HI Dx, I can afford £42 and it keeps them off my back as welll! So ill pay them and go from there. Thanks for your excellent advice.