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  1. Thank's sticky, my agreement is on here somewhere but I can't find any specific terms regarding interest after default.
  2. Thanks Guys. It has not been to court so no judgement. From what you are saying this means no interest can be charged. Big thanks. this is a big worry off my mind. I was posting this while you posted. So they can add interest then?
  3. Hi rippedoffagain, did you mean they can't add interest because the original agreement was for Interest Free.
  4. HELP NEEDED Would someone be able to help me with this please. A DCA has provided a CCA which is forceable . Now the original agreement was on interest free credit. Does this mean the DCA cannot add interest to the debt or is that just wishful thinking on my behalf. I have agreed a monthly fee (I told them what I could afford to pay) but do not want to incur massive interest charges. Please HELP if you can. THANKS
  5. HELP NEEDED Would someone be able to help me with this please. A DCA has provided a CCA which is forceable . Now the original agreement was on interest free credit. Does this mean the DCA cannot add interest to the debt or is that just wishful thinking on my behalf. I have agreed a monthly fee (I told them what I could afford to pay) but do not want to incur massive interest charges. Please HELP if you can. THANKS
  6. Bump. Is there no one out there who can help or offer some advice.
  7. The credit agreement was for interest free credit. Does this mean the DCA cannot add interest to the account. Please help.
  8. Hi guys, I sent this letter on the 11th July before going on holiday. It was in response to the DCA sending me a CCA (enforceable). Some guys have all the luck! Dear Sir/Madam Re: − Account/Reference Number xxxxxx With reference to the above agreement, thank you for sending me a copy of this credit agreement. I understand that we are now in negotiation of the above account, now you have proved you own the debt. My disposable income is very small and I propose to pay you £50 per month. My family have suggested that if you can reduce the debt to 50% they will consider lendin
  9. The above letter has been sent special delivery today. I felt I had no choice with them producing a CCA. Thats me off to Ireland tomorrow on holiday and I will raise a glass of the black stuff to you all.
  10. I have ammended the letter to also include communicating in writing only. Dear Sir/Madam Re: − Account/Reference Number xxxxxx With reference to the above agreement, thank you for sending me a copy of this credit agreement. I understand that we are now in negotiation of the above account, now you have proved you own the debt. My disposable income is very small and I propose to pay you £50 per month. My family have suggested that if you can reduce the debt to 50% they will consider lending me the funds for a FULL and FINAL settlement. I am now on holiday until the 25th Ju
  11. You are so right berrylover, THANKS. It is hard to concentrate when stressed. I dont even know if they will lend me the money. I just want to see what I can get the payment down to. Many thanks for your support berrylover. This site has helped me so much and it has made me Fighting-Fit. THANK YOU ALL.
  12. Many thanks Babybear for all your support through this journey. I will keep this thread updated. I still have to SRA the CRA THE FIGHT CONTINUES!
  13. I am on holiday as of tomorrow for 2 weeks and am thinking of sending this as a response. Dear Sir/Madam Re: − Account/Reference Number xxxxxxxx With reference to the above agreement, thank you for sending me a copy of this credit agreement. I understand that we are now in negotiation of the above account as you have now proved you own the debt. My disposable income is very small and I propose to pay you £50 per month. My family have suggested that if you can reduce the debt to 50% they will consider borrowing me the funds for a FULL and FINAL settlement. I am now on
  14. http://i303.photobucket.com/albums/nn132/Fighting-Fit/img003.jpg I recieved a CCA yesterday and it appears to be a true copy. Will any one be able to tell me 100%. I had trouble using photobucket, but have put up a link. The DCA stated I have 7 days to propose re-payment arrangements.
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