and beside why swear ? and be disrespectful, complete utter t*****.

Have you lot got nothing better to do, is this how you spend your retirement. Do something else with your pension, how about spying on your neighbours? Silly silly

good luk

thats the thing, its difficult to understand whats what

letter sent today, wait responses if they respond, recorded delivery.

Yeah, I emailed the company and asked them to check my agreement, just to make sure its correctly done, and if they find its unenforceable i will order the full report. I wasn't sure it was being done correctly.

Why delete something that i originally got from CAG. Make me MAD! this is the BBC news that has highlighted the problem of unenforceable agreements. checkmyagreement.co.uk is something that is already here on cag. this is the BBC link BBC News Player - Firm says credit deals flawed

Hello, Go to this site [deleted] and put the details of my agreement from my credit agreement INTO the website...... i have done it and it says its unenforceable. you can make up the user details where it asks for an email address etc. use also the name JON DOE for the debtors name, my name in other words. WHAT DO YOU THINK? here is my credit credit agreement http://i272.photobucket.com/albums/jj194/opendirect/OD.jpg

Thank you curly, im over whelmed by the support so far, thank you all. Which one shall I fire first?

Thank you both very much. I am about to give up on life. Any other info/data would be helpful. Thanks again to you both.

I have a multitude of financial difficulties, from FV-1 and HSBC to HBOS. May i start with this one with 1st Credit. I had a LLoyds account, i walked into my bank an Authority to close the account whilst it was in credit. I went to europe came back months later to find that, Sky had renewed a Direct Debit, payments left account, whilst there was a £250 overdraft limit, all have been exceeded. The debt demanded is now £500.00, But what happened to my request to the close the account. The majority of debt has to be illegal charges. Question :- Where do i stand on the CCA aspect of it, is the bank excempt because it was a bank account, or is it different because an overdraft is involved, does it come into the realms of CCA. What letter do i need to rocket to 1stCredit, i have read the forums for weeks, and they seem to be complete anal about everything. My position regarding this at least is : I do not owe this debt, i have a copy of the letter that i walked into the branch, demanding cancellation of the account. I'm on the verge of COLLAPSE