hI DOZY HERE On looking at that site ,where it says income limits, my wifes pension plus aa, plus my dla and pension credit may top the £18000 limit as a couple, or are some benifits not counted as income. dozy

Hi dozy here I received a application form ,not a true CCA ,but they (capquest sent me the statements, so what do i do about that bit in the letter , leave it in or what. dozy

Hi I am going to ask for a "set aside " of a CCJ 2006, on health grounds and i,m on benifits, and maybe the fact that the CCJ might not have been made on a true CCA at that time , i could not attend court , but from recent experiances i have yet to receive a true CCA from anyone, and knowing that now , i,m thinking of the set aside for that reason and ill health etc. therefore i wish to know if i have to pay the £75-00 fee , if on benifits, = DLA + pension credit ( i do not receive a pension ,but my wife doe,s ,and i qualify via her as a couple, for pension credit) . dozy

Hi I am useless at finding things ,so I am going to ask you to point me in the direction of a lovely "in dispute letter to Capquest, the longer the better, case law etc .. dozy

Hi How can I know if a CCJ issued in Dec 2006 ,was issued on the basis that a true CCA was presented to the court at that time . I have asked the solicitors for a CCA , but no responce for over 5 weeks now, can i ask the court to provide the documents shown at that time . dozy

Hi Too put it bluntly I wish to know if i can receive a CCA from GPB for the original that should have presented to the court on in Dec 2006, the court was in nottingham , i live in birmingham. Can i ask GPB to produce the original true CCA that may or was not presented to the court in my absence, or documents that were from GPB or equidebt to the court. dozy

Hi Dozy here regarding your replys i,m a bit miffed by them, but anyway what i forgot or wanted to say was that i have had some success with write offs and have some non-compliance with CCA requests , those that i have received are only application forms not CCA,s. and another one wrote it off probably knowing they had no true CCA document But back to my original posting , what i thought ,given what i now know of CCA,s , is their could be a chance that they too produced just a application form to the court, and not a true copy, i do not think the courts would decide to interfere in this aspect,so long as the paper work appears ok to them . Do the courts check that the CCA is true legal document ,or doe,s it just pass it through as ok . This is the reason why i have CCA,d the solicitor, with no reply as such yet. If the solicitor thinks its ok to call in the ballifs , i think originaly the creditor got the court order not the solicitor, thus GPB would not know what was presented to the court CCA wise. Therefore can i challange all parties to provide the CCA/goods and if the court order was made on an application CCA ,and not a true copy of it. And can i ask the courts for a copy of those documents presented as CCA agreement. dozy

Hi I have got a court order for £3400 payable @ £2-00 per month, from dec 2006, I think the debt is for the CO-OP and Equidebt, and now been run by geofrey parker bourne solicitoers, on the 19th august 2009 I have received a letter reminding me of a warrant of execution saying they are instructing the bailiffs to act', basicly to act in 48 hours to avoid this action. On the 24 th august a request for the CCA was sent out, no reply whats so ever. A request was sent on the 03 september 2009 , requesting a write off on hardship and health grounds , no reply has been received to date. My question is although a court order was issued ,can i challenge them to prove a valid CCA was shown to court, or is just a application ok for the court. Also can I request a CCA even though the court are involved . If every reply i get says yes , i will send for a SAR , or can i get something done about it at the court. dozy

Hi Mail strike, can we fax / email our fight back letters , would this still be a legal document , i read someplace once that FAX,s are classed as legal, any comments. dozy

Hi I have posted several times now on CCa,s etc for advice, however my advisor has now run out of legal aid funding to proceed further , and has sent me the whole file(s) of action he took , he got nat west written off , but capquest have sent a application form only and statements . Now i have to take up arms myself. Should I now send them a SAR Also I wish to know where to find images of capital one application forms and the proper CCA, forms on this forum ,can someone direct me to them. Also, two other creditors have not even responded to CCA requests geofrey parker bourne solicitors Ruthbridge. they were sent out on the 24 august 2009 should i send them SAR,s or what

Hi i am no expert , but I would think that a contract between two people should be binding in legal terms as set out in the consumer credit act and binding on both partys, for a judge to say "oh its alright for the creditor not to obey/follow the rules , but the debtor must do so, even if the agreeement is not lawful. judges spout a load of rubbish every time they open their mouths, i even told one to shut up and get a life, 2 hours in the cells did not change my view, punishment NIL. So carry on as you were nothings changed , but credit lenders will sieze this to batter you all debters now , tell them to naff off and do your bit.

hi blondemusic I had a debt with sainsburys for years then Aktiv Kapital took it over, after intial contact and a refusal to pay more, they came back with an offer of a Full & final of a debt of £3800 for the sum of £150 ,yes £150, i had it paid by a rellie ,cos if you pay it, they think you have got money stashed away someplace , and will investigate you, all done and dusted in two weeks . So go for a CCA , then a F&F, but remember not to offer payment yourself, say a rellie is going to help you out. dozy

Hi Yes I did this a long time ago £1-00 token payments each per month = £12-00 But all quiet for a bit then phone calls " can I please have some more money" No chance mate Naff off, so after a long time ,answering calls ,i decided to look for ways to get rid of them , and "manna" from above heard me , or rather the forum did. I could have just carried on paying the tokens amounts of £1-00 each but on calculating the time it would take to pay it all of at that rate was 50 years, so i,m think i am on a winner here , If I pay say £1200 in the next 20 years (i,ll be 80 then) i,ve saved bucks ,and the debt dies with me , forget the crap what they say about chasing your missus etc so long as only your sig is on the line , I know some of you are going to say otherwise, , but its down to planning , like wot the DCA,s do. anyway i rest my case M,lud.

Hi Yes thats the way to go i did that with a debt paid by rellies for £150-00 yes £150 !! for a full & final on a sum of £3800, (i gave rellies the money back later , cos I was wise enough to do it this way, Sorry Mr DCA) I posted a message in the last few days "MBNA done for £8-000 recently for duff CCA & PPI. in court. which you appear to have same problem , so do a search on www , on" MBNA £8-000 " that should bring it up from loads of news media. And i like to add to that of others on this thread " the phone doe,s not get results ,only more aggravation " so go the deaf route when you get a call , let the person on the other end start off , if you get someone talking , if its a strange voice , keep your mouth shut, do not talk at all , only speak to known voices in other words friends , not the enemy !!. Personelly from taking the CCA route I have had two successes a write off , a F&F , And awaiting two no shows on CCA,s. so listen to us , on the forum, pick your own gagger or listen to several ,and if they all say the same , just DO what they say. dozy

Hi I have had a natwest written off, but Two CCA requests,have failed to produce any responce from , 1/.geofrey parker bourne solicitors acting for equidebt (co-op a/c ) £****, 2/.ruthbridge assigned from HFC £*** Its now more than a month from requests .date and probably 3 weeks after 12+2 A reply from Capquest produced a application form which they purport to be a CCA. Now all three are unenenfoceable , should I send out the default notices now and to which ones , and something about "assignment letter " ruthbridge say they have that according to their letter(pre CCA, start date) Or should I send SAR,s out, or just be quiet till they contact me. I am having to do this myself now as funding for my legal aid has run out, so i am relying on you good folks to help me get it all legal and shipshape , I know you all like a good fight ,so here,s another chance to chalk more victorys up . By the way i,d like to hear of what you think of Capquest and ruthbridge and what they get up to , or just your thoughts and dealings with them, in other words what are they famous for doing!!. dozy

Hi In the press today , search www for "banks to pay £60m penalty, either in daily mail or daily express.

Hi i posted yesterday "MBNA turned over for £8-00 for no CCA and PPI mis-selling, Search forums for "MBNA turned over for £8-000" and clink link to daily WWW Daily Express | Money | Breaking news, sport and showbiz from the World's Greatest Newspaper - updated 24/7

Hi angry cat You said The judge also said that because Ms Thorius was mis-sold payment protection insurance (PPI), which added thousands of pounds to the overall debt, she should have her slate wiped clean." The mis-selling of Payment Protection Insurance is not a loophole Do you mean its not a loophole but a fact, or are you saying that PPI sold to someone who would never receive any benefit from it , such as the self-employed, or others that would also not benefit from it ,now i call that miss-selling in this case it is a loophole created by the banks etc in their haste to sell you a policy not fit for purpose, thus allowing you to re-claim your money back

Hi MBNA done for no CCA and PPI miss-selling read at Daily Express | Money | Breaking news, sport and showbiz from the World's Greatest Newspaper - updated 24/7

Hi If you all look at the daily express today or on the web @ express.co.uk/money You will find a bit about MBNA been done for £8-000 on no CCA and PPI miselling it,ll cheer you up no end.

Hi Sorry to hi-jack this thread but i am useless at getting round the forum, any in the daily express today ,in your money, MBNA have been done over for £8-000 for not supplying a copy of the CCA and misselling a PPI read at Daily Express | Money | Breaking news, sport and showbiz from the World's Greatest Newspaper - updated 24/7

Hi In daily express this morning in "your money2 it says a MBNA customer has had £8000 written off due to mistakes made when setting up the deal, the main grounds were that MBNA could not provide a copy of the original signed loan agreement. also there was a PPI elemant. read @ Daily Express | Money | Breaking news, sport and showbiz from the World's Greatest Newspaper - updated 24/7 articule headed "Bank in dock over an £8-000 credit card bill"

Hi Dicky Just got letter ,natwest are not chasing the balance anymore.

Hi Natwest have told they are no longer pursing the outstanding balance owing £**** , does this mean they are just holding off , or have they written it off, or are just holding off ,but debt stays on file. I asked to a write on health grounds.

Hi I Have received a application form for a cap one card , that they say is a CCA, its not ,but a question has arison that i think the creditors signiture was pre-printed on the application form,as its in that thick broad stle you see on many documents, has anyone any views on this, its a non starter in anycase ,just wondering if it makes any difference to me/anyone.