Thank you renegadeimp. I have changed my DMP to stop them getting any more money Do I need to write to them and tell them anything? I have been going through the paperwork I received back, I did receive one other CCA reply, from Capital One (DCA Fredrickson) with a "reconstituted" agreement, which comprises of a photocopy of my signature and date, and a print off of terms and conditions. The form is dated 2001, the printed off T&C's are undated. Any advice on this one appreciated muchly

Hi, apologies for the late reply, work and health issues. However I did finally get a response from Cabot (the largest of the 4 debts) stating they cannot get the information so the debt is unenforceable until such time that they can get it. So, simply put, does this mean if I stop paying them, there is nothing that they can do? I do expect the harassment would start again if I do decide to stop? Any advice welcome, thanks in advance

No its with Stepchange, did manage to avoid the fleecers!

If you mean credit reference agency then no, the debts are 12 years old.

No, is that the next thing before I do anything else? I should also mention that the DCA's have changed numerous times over the years on all accounts.

Hi all I have been on a DMP for 12 years. I have inherited a little money and want to clear down the remaining debt. I have written to all the creditors and made offers of approx 30% of the outstanding amount split proportionately between them. The total outstanding is £7500 and allocated funds are £2500. I could be pushed to clear in full if I had to, without borrowing, but would rather clear for significantly less. I have so far received one reply from Cabot, the largest of the debts, refusing my offer, and suggesting I pay £3856 to clear. I've listed below the debts and where they came from etc. All defaulted in 2005. What are my options? 1 - do nothing until all creditors reply 2 - make a slightly increased counter offer 3 - continue to pay till end of plan 4 - any other ideas Creditor Debt Full and Final Offer made Cabot (egg loan) £4,820.27 £1,662.23 NCO (Alliance & Leicester CC) £1,464.41 £504.99 Fredrickson (Capital One CC) £829.88 £286.18 Link (Egg CC) £135.15 £46.60 Thanks very much in advance

Can anyone offer any thoughts on this? I need to respond to the ombudsman by 11 August or they will close the claim (having waited almost a year for this I think that's a little harsh, but that's another story!) Thank you

Hi, just wondered if anyone can offer advice on this claim with Natwest that I am handling for my partner, its with the Ombudsman at the moment, I'll try and be concise as I can the steps taken so far. Claim submitted early 2013 to Natwest Natwest failed to reply, resubmitted claim Rejected by Natwest as they say no evidence of credit card/PPI ever existed, despite a copy of the original opening of account/PPI letter being provided at the initial claim Disputed as original letter confirming PPI on new credit card account produced again Natwest still disputed account existed Claim raised to Ombudsman Recognition of account gained Current position July 2014 -Ombudsman advised Natwest cannot trace any payments for PPI. The PPI payments were cancelled early 2000's and payments were taken from the credit card it was set up with. The card number changed twice in its lifetime, once due to fraud and once due to upgrade to a gold card so I can kind of understand why they could not trace it back straight away. Account still exists but currently has a small credit balance as the remaining balance was shifted on a zero interest deal. Is the onus of proof on the card holder or the bank to provide evidence of payments of PPI. Given that it is so old now (account dates back to 1994) and we don't have any statements from back then, are we at the end of the line? Any advice welcome.

Hi, well the solicitors letter does not confirm that, I suspect they are waiting a decision, will have to trawl the paperwork again. If they do vacate, I presume they will be then trying to recover their outlay thus far....will update later.

OK, having read some of the Manchester thread, it answered some questions but raised others... agree that defendant is the way to go if he decides to go it alone however...costs that the solicitors may impose if the case is discontinued, are a real worry - its just over the limit for a small claim too. could he argue that the solicitor/brunel franklin have been negligent in letting it get this far (been going on since may 09 and court date set apr 10) or even taking the claim on in the first place? what other line of defence would/could he have? would it be best to argue with brunel franklin or the solicitors? I can't seem to find anywhere on the interweb anyone who has been in this situation... Any more input would be gratefully received

Thanks Haggis, some education needed on this site then decide what can be done about Brunel wasisface bunch -

Brunel Franklin (please don't groan!)

A friend is going through a CMC with an unenforceable CCA against MBNA on a no win non fee basis - court date set and everything, now they have received a letter from the handling solicitor saying they are going to drop the case as they do no believe they will win in view of recent cases that have gone against the claimant. Serious dilemma now as the terms of the conditional fee do state they may terminate at any time - and might have to pay their disbursements. Anyone else been in this situation? Can anyone give advice? Thoughts are to take the case on himself, but at the risk of losing of course, although the handling solicitor agreed to pursue it, MBNA having not responded to the request for the CCA (from about 1992 apparently so they are probably very unlikely to dig it out now) Any advice greatly appreciated

Does anyone have any experience with this company? Or any other company that works to clear your debt - this one deals with unenforceable credit agreements amongst other things. Just wondering if they are bona fide or just jumping on the bandwagon. ..thanks for any input

Hi there ARETEECEE Just out of curiosity, who is the manufacturer of the appliance?