Maybe ask to terminate the agreement? Say by them adding charges/interest above the level of repayment you can afford they are depriving you of your right under the CCA to end the agreement at any time and pay off the remaining balance. Make clear the intention to repay it, but that you need them to stop being unreasonable and adding on charges/interest above your repayment level.

The "agreement" may not have the account number on it, but they at least need to disclose the document if requested.

With regard to the two companies thing, it depends how it was done, if it just went from company A bank account to company A credit card, and company B only advised you of the transaction, then Viking never got the funds and so it was never given to another company. Do you know for sure that it went to Viking? As it's the same group of companies I'd imagine it wouldn't as the debt hasn't be sold on, so to speak, and would remain with the same company.

That's pretty poor, they should be able to find you if you tell them the address the mortgage was over. Do you not have any old statements that may show a direct debit paying into the mortgage acc?

"I have attached the DN, which I'm hoping is defective as it doesn't state an amount to rectify." - It states the amount on the letter You are in arrears of £x You are therefore required to pay £x by dd/mm/yyyy What offer were you making them? Can you not make the same offer to Debt collectors now?

No they shouldn't, but be aware they seem to have something called a "router"? Which I think is like a "customer number" or "reference number" which will easily identify you and your accounts. However, you should still be able to pay into two seperate accounts if you have two seperate debts

Have you paid off the loan in full? How do you know you've "overpaid"? You may however be due a 'rebate' for repaying early if you paid more than you were supposed to and have infact hit zero

As for the equity thing, I guess it depends on how long is left on your mortgage, if you can maintain payments for the next say 40 years on the mortgage it means that in 40 years there may be enough equity for tesco - unfortunately companies have time on their hands, so they may be looking very long term on this

For your information:your credit card number is at the bottom of page 5 as a reference number (potentially other pages, didnt look) and we can see through the black line on the default notice showing how much your credit limit and arrears are. I don't know about internet agreements so cant actually comment on your concerns however!

Hopefully they will offer to compensate you to the extent that it was as if you never paid for the PPI (so premiums, interest paid on premiums and then some damages). If they offer this I don't think you will get any more out of them, as that'd be a fair compensation!

Weird! Although you or they can end it at any time. I guess they may not like you withdrawing lots or spending lots in a short period of time. Although possible, if you wanted to do that I guess they'd have preferred you got a loan which is better designed for high expenditure and long term repayment. I guess they argue they are being responsible by ending it as you'll end up paying too much in interest/charges/fees if you keep up such a spending pattern!

lol. If you're ok with the partially satisfied thing, then looks like you may have just got some luck come your way! Congratulations

On my most recent credit card it also states the interest rate as well as the APR. The interest rate is a monthly figure that if I times by 12 always equal the APR amount, so perhaps look for interest figures and times them by 12 and see if they equal the same? As for this Note they use the word interest, not APR which may be why they can claim that. I think APR is an average but the txt you quoted seems to use the word INTEREST. The APR may be different? or is it not?

The court will only usually remove the charge if: *judgment debt is paid *procedures have not been followed for interim charging order, such as not giving notice to all known interested parties/creditors of the debtor so I doubt they'll remove it just to allow you to remortgage. The lender will remove it themselves when you pay them, so the remortgage could take into account the amount due under their charge and you could take a mortgage out to include that amount too then you can pay the lender who will remove the charge.

pg3 and pg4 are the same assumeably A4 portrait on my computer pg5 and pg6 are assumeably A4 landscape?