Hi sorry to hijack someone else's thread but can't find how to start a new one! My query is similar to the main one in that I intend to dispute a Littlewoods account. The account was first opened in 2006 (ish) in my husbands name. A credit agreement was never signed. Some time later my husband and I split up but I continued to use the account and make the requested payments. I emailed littlewoods to tell them that i would take over the payments and they replied saying they would need official contact from my husband to change the account into my name. This was never done as I have no contact with him. I have continued to use the account as well as make regular payments and no payment has ever been missed. My question is whether the debt is enforceable - I have wondered whether the signing for goods constitutes acceptance of the debt. Hope someone can give me some advice Thank you Janie

Hi Hope someone can answer my question. After struggling for years with spiralling debts 2 years ago I filed for personal bankruptcy when I was made redundant. I have to say it was the best thing I ever did. I was made bankrupt in May 2006 and it was discharged in Novemeber of the same year. Can someone advise me as to whether all the debts included in the petition should now be showing as satisfied? I have recently attempted to get credit to buy a new car and despite my actual finances being much better than when I got HP to buy my present car not even Welcome would touch me (something I thought was impossible!) I have a copy of my credit file and while all the large debts show as satisfied a few smaller ones and a CCJ show are still showing as outstanding. I have conculted with Experian who have written to these companies and whilst a couple altered theirs some refused to change their entry. Can someone tell what my reference SHOULD show (especially with regard to the CCJ) and how I go about altering anything which is wrong? Thank you

sorry submitted twice by mistake

Hope someone can advise mea little on voluntary termination. I bought a car via Black Horse Finance 3.5 years ago. Agreement due to complete in December (ish) this means I have obviously paid over 50%. I have several questions on this issue that I hope somebody has the answers to. Firstly a couple of years ago I lost my job. Black Horse agreed to two reduced payments and sticking the remainder onto the end of the term. After that I reverted to normal payments and apart from the extra added onto the end of the term am completely up to date. Would this affect my ability to VT? I believe that VT means that the company effectively get 50% of the debt paid plus return of the car. As I have paid around 75% of the debt would I get anything back? Does doing this affect my credit rating? Hope someone can answer my queries Thanks in advance