Hi! everyone This is my second post and boy am I glad I found this community. My woes started in 2001 when my husband declared himself bankrupt. One of his creditors was Capital Bank Group (part of the Bank of Scotland)for a £6000 loan amount, declared on bankruptcy £9213.41 (amount they gave us) I remember that we could not find the agreement but all correspondence from them including letters asking for money came in my husbands name only so that is why it was included in the bankruptcy (we assumed it was only in my husbands name) In 2002 I received a final notice from Bank Of Scotland through a solicitor ( saying that the loan was in both names) asking for £9340.90 threatening Court Action. I arranged to pay them £80 per month which I have faithfully kept up but never had a statement off them or anything to say what I still owe, I worked it out that the money Cap Bank/BOS had received from us is around £7152.36 So I decided to cancel the DD and wait to see what happened. I had parted from my husband at the time of bankruptcy and stayed with his sister for a while during all the upheaval a lot of docs were lost or so we thought. The CCA (customers copy) has been found signed by ???? on behalf of Cap One Bank dated 17th December 1999 but there are no signatures from us not even a hint of one (carbon copy) plus the fact that we have 2 of same identical???. I have been going through all the threads and I am wondering if I should ask for a copy of the cca using the standard format or will my unsigned copy of the cca stand up. It is the proper cca with all the amounts ect and does say Please sign below for your personal loan This is a credit agreement regulated by the CCA 1974. Sign only if you wish to be legally bound by its terms and no signatures !!!!! PS I forgot to mention that a letter has just been delivered to my sister in laws,addressed to me From a solicitor Re: Bank of Scotland plc We are instructed by Wescot Services Ltd on behalf of the above ect (debt £4712.90)threatening legal proceedings if no payment rec within 7 days. Can some kind person please advise I have been worrying myself sick over it. thank you!

Hi! spiritgirl Thank You! so much for your reply. and thanks for the advice it is much appreciated and I will start my own thread. There is only one creditor Capital One Bank .. which is a part of the Bank of Scotland plc. Apparantly the debt it is in both names but any correspondence received from them previous to the bankruptcy always just had my husbands name on it which is why it was included in the Bankruptcy and as far as we were aware it was dealt with in the bankruptcy and not knowing the legalaties of it all, is all way over my head. thanks again! to know there are others willing to give help & advice is such a comfort and it is great to feel a little empowered and not just floundering & helpless. minky

Hi! everyone This is my first post and boy am I glad I found this community. My woes started in 2001 when my husband declared himself bankrupt.One of his creditors was Capital Bank Group for a £6000 loan amount declared on bankruptcy £9213.41 (amount they gave us) I remember that we could not find the agreement but all correspondence from them including letters asking for money came in my husbands name only so it was included in the bankruptcy (we assumed it was only in my husbands name) I received a final notice from Bank Of Scotland through a solicitor ( loan in both names)asking for £9340.90 threatening Court Action. I arranged to pay them £80 per month which I have faithfully kept up but never had a statement off them or anything to say what I still owe, I worked it out that the money BOS had received from us is around £7152.36 I decided to cancel the DD and wait to see what happened. I had parted from my husband at the time of bankruptcy and stayed with his sister for a while during all the upheaval a lot of docs were lost or so we thought. The CCA (customers copy) has been found signed by ???? on behalf of Cap One Bank dated 17th December 1999 but there are no signatures from us not even a hint of one (carbon copy) plus the fact that we have 2 of same identical???. I have been going through all the threads and I am wondering if I should ask for a copy of the cca using the standard format or will my copy of the cca stand up. It is the proper cca with all the amounts ect and does say Please sign below for your personal loan This is a credit agreement regulated by the CCA 1974. Sign only if you wish to be legally bound by its terms and no signatures !!!!! PS I forgot to mention that a letter has just been delivered to my sister in laws,addressed to me From a solicitor Re: Bank of Scotland plc We are instructed by Wescot Services Ltd on behalf of the above ect (debt £4712.90)threatening legal proceedings if no payment rec within 7 days. Can some kind person please advise I have been worrying myself sick over it. thank you!