thanks

Thanks....we've oblitorated some of the scanned copy documents to hide personal info

Thanks for the tip...original scans now edited!

Hi Sent Ruthbridge a CCA letter on 31st March Recorded delivery and this was signed for on 2nd APril Received a "without prejudice letter" today 10th June (71 days later) with a copy of one signature page of an MBNA loan agreement from Jan 2002 They're claiming a "principal sum" of £15k against an original loan of £24k and are prepared to accept a full & final offer of £12k to avoid petition for bankruptcy. What do I do.....I don't have the money and am worried !! I've attached loan agreement & letter Scan0008.pdf

thanks again and I'll repost on new thread

letter and agreement attached thanks Scan0008.pdf Scan0009.pdf

Thanks for that Will scan shortly & send What do they mean by "principal sum"????

Hi Sent Ruthbridge a CCA letter on 31st March Recorded delivery and this was signed for on 2nd APril Received a "without prejudice letter" today 10th June (71 days later) with a copy of one signature page of an MBNA loan agreement from Jan 2002 They're claiming a "principal sum" of £15k against an original loan of £24k and are prepared to accept a full & final offer of £12k to avoid petition for bankruptcy. What do I do.....I don't have the money and am worried !!

Thanks for moving this.....all help from anyone essential ! However, please clarify what an SAR letter is and who howard cohen is as well Thanks

Hello Having just found this forum, I'm in a state of flux over what I should do next and really need someone's advice ! I have TWO accounts running with Bryan Carter & Co. Both accounts have recent letters (ie post-Feb 2007) from this firm at De Havilland Drive Weybridge and both are on Bryan Carter & Co headed paper (a claim at the footer states the BC & Co is the trading name of Crellins Carter Solicitors of 111 Weybridge Road). I first heard from Bryan Carter in Nov 2006 alleging a debt against me to Egg for £11000. I had no idea of any debt and had never received any paperwork regarding this debt. They also said that I had a ccj but having looked on both experian and equifax there is nothing against me. I have been unable to find out any information regarding the alleged original debt and in a state of panic have been paying £50 a month to keep the bailliffs away. I've set set up payments to Bryan Carter following a CCJ for £570+ in Dec 2005 as a partial balance against an alleged full balance of £11000+ This CCJ was taken out against me at an address I used to trade at but I had no receipt of any papers from either the claimant, the courts or Bryan Carter (or indeed any other party) so to avoid the appearence of baillifs I paid a £70+ Warrant of Execution direct to my local county court & I then contacted Bryan Carter & Co & agreed to pay off the CCJ at £50 per month. (I have disputed the debt in writing since initial receipt). I have also written to Egg on numerous occassions and have had no reply and have constantly disputed these debts with both Bryan Carter & with Egg. I have now paid 13 installments of £50 (and am now effectively paying back more more than the original CCJ value) ! The second debt relates to another alleged debt also to Egg of £8000+ but this time no court papers have appeared. I received a letter last month & it transpires that another CCJ has been issued in August 2007. I haven't heard from the courts or others but again I have agreed to pay off (without any admission of liability) a demand from Bryan Carter & Co for the order of £490 +costs + the warrant fee of £70+. I have yet to write to Bryan Carter on this matter as I have tried to get legal advice about my position. I haven't received any Proof of Debt in either of these cases (save for a copy of the first CCJ from the court who only provided me with copies of the original ccj for £490+costs and not for the whole debt) & I can't get any assistance from lawyers as no one seems to want to take on this kind of work and now I'm paying 2 lots of £50 per month to Bryan Carter & Co. In a telephone conversation Bryan Carter said that the debts originated in 2002 and that they were paid until 2005. I have no idea what these are about. I would really welcome some help AS SOON AS POSSIBLE from someone out there as to the quickest & best way to get out of this difficult ( & painful!) situation. What steps do I take now?

Hello Having just found this forum, I'm in a state of flux over what I should do next and really need someone's advice ! I have TWO accounts running with Bryan Carter & Co. Both accounts have recent letters (ie post-Feb 2007) from this firm at De Havilland Drive Weybridge and both are on Bryan Carter & Co headed paper (a claim at the footer states the BC & Co is the trading name of Crellins Carter Solicitors of 111 Weybridge Road). I first heard from Bryan Carter in Nov 2006 alleging a debt against me to Egg for £11000. I had no idea of any debt and had never received any paperwork regarding this debt. They also said that I had a ccj but having looked on both experian and equifax there is nothing against me. I have been unable to find out any information regarding the alleged original debt and in a state of panic have been paying £50 a month to keep the bailliffs away. I've set set up payments to Bryan Carter following a CCJ for £570+ in Dec 2005 as a partial balance against an alleged full balance of £11000+ This CCJ was taken out against me at an address I used to trade at but I had no receipt of any papers from either the claimant, the courts or Bryan Carter (or indeed any other party) so to avoid the appearence of baillifs I paid a £70+ Warrant of Execution direct to my local county court & I then contacted Bryan Carter & Co & agreed to pay off the CCJ at £50 per month. (I have disputed the debt in writing since initial receipt). I have also written to Egg on numerous occassions and have had no reply and have constantly disputed these debts with both Bryan Carter & with Egg. I have now paid 13 installments of £50 (and am now effectively paying back more more than the original CCJ value) ! The second debt relates to another alleged debt also to Egg of £8000+ but this time no court papers have appeared. I received a letter last month & it transpires that another CCJ has been issued in August 2007. I haven't heard from the courts or others but again I have agreed to pay off (without any admission of liability) a demand from Bryan Carter & Co for the order of £490 +costs + the warrant fee of £70+. I have yet to write to Bryan Carter on this matter as I have tried to get legal advice about my position. I haven't received any Proof of Debt in either of these cases (save for a copy of the first CCJ from the court who only provided me with copies of the original ccj for £490+costs and not for the whole debt) & I can't get any assistance from lawyers as no one seems to want to take on this kind of work and now I'm paying 2 lots of £50 per month to Bryan Carter & Co. In a telephone conversation Bryan Carter said that the debts originated in 2002 and that they were paid until 2005. I have no idea what these are about. I would really welcome some help AS SOON AS POSSIBLE from someone out there as to the quickest & best way to get out of this difficult ( & painful!) situation. What steps do I take now?

Hello Having just found this forum, I'm in a state of flux over what I should do next and really need someone's advice ! I have TWO accounts running with Bryan Carter & Co. Both accounts have recent letters (ie post-Feb 2007) from this firm at De Havilland Drive Weybridge and both are on Bryan Carter & Co headed paper (a claim at the footer states the BC & Co is the trading name of Crellins Carter Solicitors of 111 Weybridge Road). I first heard from Bryan Carter in Nov 2006 alleging a debt against me to Egg for £11000. I had no idea of any debt and had never received any paperwork regarding this debt. They also said that I had a ccj but having looked on both experian and equifax there is nothing against me. I have been unable to find out any information regarding the alleged original debt and in a state of panic have been paying £50 a month to keep the bailliffs away. I've set set up payments to Bryan Carter following a CCJ for £570+ in Dec 2005 as a partial balance against an alleged full balance of £11000+ This CCJ was taken out against me at an address I used to trade at but I had no receipt of any papers from either the claimant, the courts or Bryan Carter (or indeed any other party) so to avoid the appearence of baillifs I paid a £70+ Warrant of Execution direct to my local county court & I then contacted Bryan Carter & Co & agreed to pay off the CCJ at £50 per month. (I have disputed the debt in writing since initial receipt). I have also written to Egg on numerous occassions and have had no reply and have constantly disputed these debts with both Bryan Carter & with Egg. I have now paid 13 installments of £50 (and am now effectively paying back more more than the original CCJ value) ! The second debt relates to another alleged debt also to Egg of £8000+ but this time no court papers have appeared. I received a letter last month & it transpires that another CCJ has been issued in August 2007. I haven't heard from the courts or others but again I have agreed to pay off (without any admission of liability) a demand from Bryan Carter & Co for the order of £490 +costs + the warrant fee of £70+. I have yet to write to Bryan Carter on this matter as I have tried to get legal advice about my position. I haven't received any Proof of Debt in either of these cases (save for a copy of the first CCJ from the court who only provided me with copies of the original ccj for £490+costs and not for the whole debt) & I can't get any assistance from lawyers as no one seems to want to take on this kind of work and now I'm paying 2 lots of £50 per month to Bryan Carter & Co. In a telephone conversation Bryan Carter said that the debts originated in 2002 and that they were paid until 2005. I have no idea what these are about. I would really welcome some help AS SOON AS POSSIBLE from someone out there as to the quickest & best way to get out of this difficult ( & painful!) situation. What steps do I take now?