thank you but what do I do if they dont accept my offer - will i have to go to court. does it matter what the OC wants as they refused any offer I amde them so will Iqor accept my offer or will it have to be approved by the OC as they will just refuse it

hi could anybody help please, i took out a loan in 2004 that i couldnt keep up the repayments too - i heard nothing for a couple of years then received a letter from the OC who said they were going to get me to sell my house, the debt was passed to iqor and I requested the cca - its is all in order and iqor are now saying their client wants full payment of the oustanding balance etc etc. i have spoken to iqor and asked if they will accept a £10 monthly payment as i was advised by National debt Line - they said send a letter in and we will have a look, now I kow the OC wont accept a token payment as i asked them before the debt was passed to iqor and I informed the OC that I had sold my house so they couldnt get a charging order etc - I dont own the house but obviously they think I do as I must have said so when I took out the loan, the loan is not secured. so i dont know where I stand tehre, i am only on incapacity benefit so dont have a lot of money so just wondered if it is likely that iqor will accept my payment or will the OC have something to do with it, please help, going out of my mind with worry and feel like topping myself, i dont wnat to lose my house. please help

Thank you very much for your reply, I appreciate you taking the time. I understand what you are saying to some degree but as far as I can remember I have not received a "default letter" from any of the these catalogue companies but as you say, one of them did replt to my request to remove the defauult by admiting the debt was not enforecable and therefore could not be chased etc but they were withing their rights to register a default. All of these debts were catalogue companies, I did not sign any documents when opening the accounts or during the time I had the accounts, hence my CCA requests. I suppose I am quite lucky in that they are no longer chasing me for these debts but I was really hoping to get the defaults removed - I understand that they have statements showing transactions etc but I was just under the impression, probably wrongly, that without a true CCA they could not legally register a default against me, this is what it said in the final letter that I sent to them that I found on this wonderful site:-)

Hi CAG people Newbie posting here so please be gentle - great site by the way After lurking a lot on this site I have sent CCA requests off to various Debt Collection Agencies regarding catalogue debts - not one of them have provided me with a true CCA and in turn I have CCA the original catalogue companies. They have gone way past the 12-2-30 days and I have sent them all a letter I found on here asking for the defaults to be removed. I have heard nothing more - and this was quite some time ago but the defaults are still registered against me and obviously affacting my credit file (not that I want to get credit or anything) so does anybody have any ideas on what I should do now. They havent passed the debts to another companie (that I am aware of) just from reading i was under the impression that without a CCA the default has to be removed and obviously they havent so a bit confused as to what to do next. I would appreciate any help you have to offer - all accounts defaulted within the last year or two so have a long way to go before they drop off my credit file so I would like to get it cleared up asap as I would like a new mortgage soon as coming to the end of my fixed rate.

Is there anybody who could help me with this please?

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