Sorry to bring up an old thread. But an update from fos has caused me to seek further information and where to go or what to do next. Fos has so far agreed with me on about 80% of my complaint (some bits are missing which I will address with them shortly - because it is going for a final decision). Fos have said that they will not be determining if the contract is uneforcable. So I will provide full details of this part here . That is in the nutshell the contract issue. The point is I don't what to do next and I've spoken to some solicitors today and I'm not getting much help. Because fos are not determining the enforceability of the contract they are saying I am agreeing i owe the debt...

Currently my dispute is with fos. But during this my suspicions were founded that the contract I had signed (hire purchase) was different to the one that I had signed and being enforced(default charging). such as wording changed and clauses missing. Add to this the debt was sold to another company. is such a mess of a contract enforceable?

Can somebody confirm that 0141 4193400 belongs to Barclay's partner finance? If this is in the wrong forum please move!

Thanks slick, as for q1, more info As for Q2 I was refering to this BBC NEWS | Business | Row over store card default fees

when Clydesdale brought out my finance loan from cetelem (buy now pay later) I had a letter from cfs stating nothing would change.. fast forward to loads of charges from cfs/bpf.. They sent a letter stating our agreement with different numbering to what we had on the cetelem agreement... q1 Now assuming that it is a changed t&c which I never saw. what is my legal position?. q2 does the recent oft enforcement on bpf/cfs apply to the above type of finance agreement?.

It would be a nice sample letter to use.

Hi People, this is my first post I am not quite sure what do next. Durring June 2006 and November 2007, I was receiving jsa into my AL account. Between july and october AL took all monies from my jsa from my account. They served 2 default notices and nearly closed the account. I had no money to live on from the above action by AL during those months. I had about 3 other occasions that charges were directly from jsa. When I originally raised this with AL they have said i have to do an income and expenditure form. I have used the ssa 1992 act in my defence with them and which I now know from steven4064's posts that is incorrect. My major problem being is being a) July - September 06 was extreme hardship and that trying explain "income and expenditure" to al for that period is nigh on impossible. b) hardship during periods of October 06 and November 07 where I was receiving benefit and other income during those periods. But monies where taken when no other income was there except jsa. I know one should deal with this during but that's sometimes easier said than done. How do I convince AL that I had no expenditure during that period because they had taken all of my jsa. Thanks Taras