ok I will do this then if your sure what about CCA requests an all that do i need to do that for the halifax/lloyds bank a/c+o/draft? & settlement offer made now ignore? an stop payments on all the rest yes?

I have a mortgage on my home with Halifax along with a halifax credit card all in good order, next year halifax-mortgage will jump up by a lot as it comes off the fixed rate! I been in touch with a broker an got a offer of a rate for when it expires which is still much higher than current payment but better than going on the variable rate. Lowell have 3 old pre-2010 accounts belonging to me one of which I could not verify I was under impression it was 2 lloyds an 1 barclaycard, however I could not match any lloyds acocunt info on one of the accounts an so i enquired. Last year I made settlement offers on all my aged defaulted accounts of an amount of less than 10p in the £1 which all creditors rejected, then few weeks back I get a settlement offer from lowell 90% discount for aged defaulted halifax credit-card which I tried to accept and we have agreed upon a 3-month-payment-plan starting end of this month after which they will consider it settled for 90% discount at end of the year, in doing that they kept bringing up the questions around the other lloyds a/c and the other a/c which i did not have info to hand and found very stressful as i was calling up to accept the discount offer. I have trawled so many times and could not match it up this 'lost' a/c today I have identified it as possibly a halifax bank a/c + overdraft that number seems to match but its halifax and not lloyds so why are they putting lloyds on every letter? this particular halifax a/c was opened in 1996 so is very old an defaulted around mid 2011 I also discussed dsar with lowell in early october they said they would request it and they not sent dsar for this a/c? why?not received i do not know! today I received considering legal action letter from lowell, if i get CCJ my ability to get mortgage may suffer so have to avoid at all cost also form time to time i change jobs and due to my line of work i will lose a big ability to get jobs if i get this on my credit. Lastly i still have some rental properties an rental mortgages if i get bad credit and i need to remortgage then it increases chances of eviction of tenants and repossession of the buy to let properties , these are some of the factors why i kept paying these creditors an lastly limited amount of time to do the work needed also. Should I be doing a CCA request to lowell or lloyds or halifax or something else? it gets so complicated so quickly an so confusing! where things become more complex is changing names an account number an selling or transferring debt to different third parties making it hard to keep track when the reference numbers keep changing! I attach anonymised letters to this so you can see more details... it gives me a headache just going through all this! ** Help ** 3pge.pdf

ok well i have realised the small print was unreadable an so im re-uploading it again, not sure what exactly im looking for but hoping your right argos_small_print_split_1.pdf page 2 argos_small_print_split_2.pdf

Well... that application form does say 'credit agreement ' at top of it i did censor it out in my haste. I re-upload the portion of it here , Does it change anything? Ok I will stop paying thanks Screenshot3.pdf

Here is the anonymised pdf multipage upload of the CCA Argos response I received. 01_08_2023_Argos_card_S78_anonimised.compressed.pdf

following on to posts #65 #66 I did the CCA request for Argos results were as follows... Posted 21st july with Postal order dated 21-July signed for with royal mail ref code They replied their letter dated 1st August this letter was actually received 7 august on back of envelope showed royal mail sticker stating 1st delivery attempt (to me) 2-august So doing some quick maths 21ST JULY - 7 AUG = 17 DAYS 21ST TO 2-AUG = 12 DAYS(INCL END DATE) 21ST TO 2-AUG = 13 DAYS(INCL END DATE) Is this within the permitted time limits or was it out? the royal mail tracking history says 'we've got it' ie it shows it was posted but never received! so much for tracking! Also their letter has stated following (i copy/paste it here leaving out my name and their name at top/bottom of letter): "Under s78 Consumer Credit Act 1974 ("s78"), we are obliged to send you a copy of the executed agreement and of any other document referred to in it together with a statement showing: (a) the state of the account; (b) the amount currently payable under the agreement; and (c)the amount and due date of payments which will become due if you do not draw further on the account. The Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 explains what must be included in the copy agreement. Regulation 3 provides that the copy may omit certain information, Including the signature box. Regulation 7 provides that if the agreement has been varied the copy must include a statement of the terms of the agreement as varied. The High Court case of Carey v HSBC Bank pic [2009] has confirmed that we can satisfy our duty under s78 by providing a reconstituted version of the executed agreement. In accordance with this, we enclose the following: 1.A copy of the executed agreement as required by s78 2.A statement of the terms of the agreement as varied as required by Regulation 7. We also confirm the state of your account is as follows: (a)amount currently payable (current balance) - £759.68 the amount and due dates of payments which will become due If you do not draw further on the account (your minimum payment and the date your minimum payment is due - £ 0.00 on 14 August 2023. "In the letter there is what looks like a statement of account interestingly min monthly payment due is :0.00 an due date 14.8.23 current balance £759.68 current credit limit £980.00 also photocopy (black an white- ok quality) of the signed agreement (1page) from 2001 an 2pages of very small print t&c's (colour-good quality) what looks like from 2011 if someone can help me understand what im looking for or check or do as im not too sure. thanks

I have a buy to let mortgage with rooftop mortgages. the rate is high above 7% on a variable libor rate , originally the term came to an end an i could not refinance an so i was stuck with rooftop. We negotiated a increase in term length I got length increased they got a higher payment by moving part of the loan to repayment. this is negative cashflow as rates shot up , i spoke to them on phone about moving it to interest only they told me only if rent is at least 125% of the payment (it is not as rent is much less than the payment) can they consider it. I asked them to put in writing an they sent me a detailed list of what they need which is full income expenditure _ details of all property assets including rents values , bank statements etc. Every time the BOE increases rates this mortgage goes up inline within 3 months despite it being libor , 3-month libor follows general trend of rate rises. My question is now with government saying "Struggling homeowners could switch to an interest-only deal for six months or extend their mortgage term and revert back within six months, the banks said. Neither option requires an affordability check or will affect their credit score." the article im quoting from is here: Average rate on five-year fixed mortgage deal in UK climbs above 6% | Mortgage rates | The Guardian WWW.THEGUARDIAN.COM Rate is at highest level since last November, and average two-year fix is now 6.47% Just wondered does this mean no help if its a buy to let mortgage? only homeowners? What can i do to improve my situation any suggestion?

no one , i just continued when i took over from my debt management company an set up resumed payments after they started relentlessly chasing me again. I will take your advice an stop the payments now.

thanks dx100uk , ok i never seen capquest on any letters only arrows occasionally, it was call centre advisor that mentioned capquest, to answer your question they (arrows) get a token payment every month.

Thanks Andyorch for confirming this , so should I still CCA them? is there a upto date guide/template on this in this site somewhere?

I have numerous defaulted debts from around 2010 one of which is a halifax credit card. I was on a debt management plan with a provider an then started managing my own debts few years back. Around 2016 last of my credit file defaults dropped off my files (6 years clean payment history) And I was able to move a very expensive mortgage that was ex-northern rock (tulip) to a high st lender as well as get new lines of credit, recently I made offers on my past unsecured debts, I have diligently kept track of past settlement offers received and many counteroffers are higher than what they previously offered me in the past. I have been making token payments on all my aged defaulted unsecured debts(mostly credit cards) although many of the agreements have lapsed! Some of the debts requested income/expenditure before considering my settlement offers. I own numerous buy to let properties with mortgages an have a job in a field where you are credit checked an risk losing job if you have defaults on your file, luckily my file is clean(more than 6 years since last default) I am also in the process of mortgaging my buy to lets to fix the rates for next 5-years as costs are going up! I can do this as my credit file is clean now. However I still have many aged credit card debts owed. I also have many new credit card debts (but manageable as kept in reign) with one being with halifax as well as a mortgage with halifax that is upto date. I plan to do a mortgage product transfer when my very low fixed rate is up an keep with halifax and not move to another lender for my mortgage, this is allowed if last 12 months of payments are upto date I understand rates are climbing quickly but this time round im being very conservative. Now this week I got letter from Moorcroft saying the defaulted aged halifax credit card debt has gone back to Halifax. Halifax are definitely making profits on my upto date accounts, im just wondering what their next move is an what my options are with this original defaulted credit card debt with Halifax thats owed?

I have a very old argos card debt amount owed is below £1k, I have offered to setttle for a token sum that got declined , I did recently speak to moorcroft whom informed me capquest have brought out arrows. I did try an post into my last thread but it got locked last time was suggested to CCA them? What do I do - Help!

But you can clearly see there is a marked parking bay around the dropped kerb and I parked within that bay. See This is confusion as to why it exists , the markings should be clear dont you think? in this case there should be no bay markings and clear unbroken double yellow lines to show the motorist this is a no parking area.

I forgot to add the image is how it looks now the bay still exists and there is some broken yellow lines which I never saw since a car was parked in front over them when it went forwards I rolled forwards and parked upto the bay markings, I probably never saw them! However I was clearly parked in the bay outside of normal operating hours yet under impression that I am permitted by my resident permit for this zone within bays whether in operating hours or not. Attached is the PCN with reason for their issuance. PCN_edited_29_04_2022.pdf

google earth location exactly where you see the bay and the bollards Google Maps GOO.GL Find local businesses, view maps and get driving directions in Google Maps.