did you take out the loan are credit card online as online application do not require a signature you just normally place a tick in the box

if the debt is enforceable then you can make a monthly payment whatever you can afford don't let them bully you into paying the full balance they might even ask you to take out a loan and pay them because they tried this on my friend

edit: posted in wrong section

have you missed a payment sense you started paying are you paid it late if any of these happen a crazy interest charges get auto applyed on to the account as this happend to me when i stoped paying them before the account went into dispute No interest should be added on to the account as long as you don't mess any payment I don't no why they saying that they are not the original creditors they just bought the debt maybe with 50% off Sorry to say this but nine years and you waiting for them to contact you this doesn't sound right you should at least check on your own account once every few months so you no whats going on

will all your debt seems to be with the original creditors not dca and why do you have four different payday loans instead of one what were you thinking!!!! always avoid!!!!! payday loans !!!!! this is just an advice

I had exactly the same reply as above from Lowell Financial however 3 days Later I got a letter for the same debt from a different dca acting on behalf of Lowell Financial

being a homeowner and getting your self into debt is very very risky because you have what they call a asset they can secure a debt on you property specialy if the debt is big & they have enforceable CCA

ok thanks do you no the correct address for barclay to send the sar to

now shall I reply to there letter are send them subject access request instead

lol

the request for the cca was made in dec 2008 the send me these copies along with statment unreadable T&C n oct 2009 my sig appear to be on the application with the date I wrote to them requesting them to re send me clear readable copies they failed do so

yes that how it look

this is the cca cabot sent me of a sigined application dated 2001 with a separate unreadable copies of t&c

I have a debt with red band dca which I currently making a monthly payment by direct debit the problem is if the debt is with red band dca why is the direct debit payment show on my statment that is being taken by lowell portfolio instead of red band isent red band the ones that suppose to take the payment as they are the one that dealing with the debt it abit strange

hi can someone help me I need template letter for replying to proposals for payment to dca because I received a copy of my cca and they need me to reply to them with my proposals for payment so I need a template letter to start with. also I am unemployed and my payment proposal making small monthly repayment . thank you

not all dca are bad some are realy helpfull and accept what ever you can offer them as monthly repayment as long as you get the debt paid off in a short period and keep up with your payment..

I had a debt passed on to them back over a year ago over £1000 I wish I new about this forums it would have helped me alot in dealing with them so I recived a letter from them I phoned them up to make monthly payment arrangement but they refused and want me to pay it over 3 months they even asked me to get a loan and pay it. in the end my parents gave me the money and I payed them. If the debt is yours is best not to ignore them write to them are send them request for your cca because ignoring them will not make the debt go away

I am also have a debt with equidebt that was passed to heatons llp I made an arrangement to make £30 each months they keep reviewing my account every 3 months I get a letter asking me to contact them to review my account which I do now am paying them £33 and will not make any further increasement as long as you keep making your agreed payment and stick with it you should be fine and also this is normal many DCA always review the account after a few months to see if you can make an increasement contact them and tell you unable to make further increasement . I normaly phone them and sort this out with them I no many people will prefer to write instead of phoning

hi I receved a letter from cabot a few months ago for a debt from few years ago for a cradit card from barclay I contact cabot and made an arrangement to make repayment each month on to that account they agreed. so i was wondering will i still be able to ask them for a copy of the cca are is it to late for that. now