Hi, I need a bit of advice. I have obtained a secured loan against a property for the purpose of sorting out my credit score and also primarily for home improvements. They have requested balances of all my creditors and a lot of them defaulted in 2010 as the recession knocked me. I sent them these balances and then someone on here mentioned to CCA all the creditors. The loan completed and I ended up with 20k+ worth of cheques and the balance in my account. I phoned them and asked if they will amend the cheques which they agreed to. Then when I wanted to do it they resisted and I had to go through the complaint process form them to listen to the call. (took months) I then returned the cheques(voided) with letters from the creditors stating that they don’t have agreements. They then phoned and said they will re issue all these cheques for the original amounts, as there are no letters from the creditors stating balance as 0. I have now been paying interest on 20k worth of paper sitting in my cupboard for about 4 months. There is nothing on the agreement that say I would pay creditors. Even the letter I gave said I am looking to repay debts plus home improvements. They are now trying to force me under duress to pay unsecured and unenforceable debts secured against my property which I don’t want as that does not give me any room to negotiate. (They class them self as a responsible lender!) Where does this leave me as I think I have the following options: 1. Financial ombudsman 2. Keep the cheques again and negotiate final settlement with the creditors which should very low as they unenforceable (and I paid 6 years off already) Then pay the creditors out of my own funds and wait for the letter to be state that the account is settled. Then send the cheque made out to them and ask them to cash it and please refund me as the account is settled. Then I am going to sue Blemain for the time I wasted and interest I had to pay on money that has not left their account through the small claims court. Anyway these are just ideas and any advice will be appreciated. I will actually pay for a lawyer that wants to give them as much hell as possible! Thanks a lot

Awesome thanks! You are going to like the Amex one I am going to upload even more!

Thanks guys. What if they contact me? what do I say?

That's all they sent. So what's the next step?

Thanks for trying !

I am not about avoiding it! an if I do who cares, they lent the money(unsecured investment) which didn't pay off. So on the one thread everyone say CCA them...

Banks caused the recession which directly affected me. So I am now looking after number one only!

I kno that. The question is whether I have to pay it or not....

Halifax credit card

I sorted the attachment! Thanks! I paid the debt for the last 6 years with Payplan however I stopped payplan a few months ago! It defaulted February 2011 so will drop off next year. Now the aim is to fix my credit score, so that I dontget fleeced on interest rates anymore. It was for a credit card and there is 5k left. Its managed by Apex.

Sorry uploaded the wrong one! Fixed! Thanks for spotting it. Halifax agreement Page 2.pdf Halifax agreement Page 1.pdf

This is what I got in response of a CCA request. took it out in 2005. There is a 5k balance and want to know if its enforceable. Thanks

Hi all, I have send a request and got this agreement back. Can someone please tell me if its enforceable? and if so or not what is the next steps? Is there anywhere a guide on what to look for when its enforceable? Thanks a lot! Halifax agreement Page 1.pdf

on another note I am going to CCA the others. There are a few defaults with more recent dates. Can I ask them for a copy of the default letter as well in the CCA request?

sorry! but how do you mean let it run?