I did a similar thing with a credit card I had - minimum payment being £148 a month - and have agreed £50 a month with them. Also someone at work has does a similar thing - monthly loan (unsecured) is around £300 a month and they have agreed to £100 until the end of the year to help them out (Yorkshire Bank!!). I just rang them, they sent me an income and expenditure form - i filled it out and they agreed - dont know if credit cards are any different to loans etc....... When did you take the loan out? If it was pre April 2007 then you may have a chance of getting it written off (that date seems to be the one that most people state - either on here or when you call those debt management companies up). Im sure someone will be able to help you out....

I never put the dispute in writing as such - i just paid and got my bank statements but never actucaly did anything with them. Since then i have been paying off my overdraft after agreeing to close my account....what I am saying is I am in line with my payment plan of £50 a month, which was also agreed and extended to Aug this year just a few weeks ago (month i would suggest). They have since this arrangement, and after taking monthly payments sold my debt without telling me??? I have looked at that letter - but am unsure what i can put in regards the dates of dispute as it was a verbal disbute with them. Like I said, I will post the 2 letters tomorrow and see what you think then. Thanks for getting back to me so quick 42man. I thought calling people up and setting up payment plans were the right things to do - obviously the Yorkshire Bank have on this occassion have decided to 'sell' my debt!!!!! Is there any type of letter I can send to the debt company that have 'bought' the debt, and then another letter to send to Yorkshire Bank advising it is now up to them to sort out - Yorkshire for selling, and the debt company for buying - without actually discussing and warning me that this would happen?

Wife has just rang me to tell me I have a Yorkshire Bank statement at home showing I have been paying £50 a month off my overdraft - and have not been missing these payments. I also have a letter from an agency saying they have bought the debt off Yorkshire Bank (I closed my account after a dispute over bank charges - which has never been taken any further by me), saying that I should not contact the Yorkshire Bank, and that I need to phone them and arrange a 'payment plan' with them - the amount they want in total off me is £100 more than the current balance I owe the Yorkshire Bank.....this all happened a month AFTER the bank and I agreed to extend the £50 a month payment until August this year!!!!!! I will scan the letter and the statement tomorrow when i have them on me - but has anyone any experiance of this happining before? Can they actually sell my debt without 1 letter of warning, and at more than I actually owe? Many thanks in advance for any feedback.

Only Yorkshire Bank have got back to me - 1 with the cca i asked for - see link in 1st post, and a letter saying i didnt need to send a pound for my cca and sent me it back. All others have not been in touch, going to leave it until Tuesday next week -see if anything comes from Easter post. If nothing, what would you suggest my next steps are please? Many thanks in advance. Response 9 is the letter i need - thanks!

Will do, plenty of reading to be done there. I meant (eh?) to your bit about the hearing...not about unenforcebilty. What would people suggest be my next letter to Yorkshire Bank then based upon the attached scanned letters please? Many thanks in advance once again.

Eh? Don't understand that bit - sorry mate... What would you suggest my next step is with the account? Many thanks

Have you managed to have a look yet please Paul. Cheers.

Morning guys - sorry about yesterday and the confusion. Summing up, what I meant to say and much has already been answered... 1) Cratel - compnay - thumbs up, thumbs down? 2) Is what they are doing dodgy - or just making a boat load of money out of a loophole in the law. 3) This site is great, I decided to take the forums advice and start doing myself (meaning doing what Cratel are doing (not for money - not for anyone - for me - thats what I meant) 4) The pm thing was a dumb move - i meant could anyone look at http://www.consumeractiongroup.co.uk/forum/general-debt-issues/193363-yorkshire-bank-credit-card.html and let me know my next steps please. 5) Will find the thread - very sweeping statement in regards it goes quite when people seem to get stuck - and that's when i meant maybe people are being PM'd with advice - I dunno - will find this thread and update when i get it again.... Thanks all again for the feedback etc, and sorry if anyone was mislead by me - not my intentions.

Just off to work (2nd job) i think there has been a little bit of miss communication - mainly on my point. What I meant was pm the links - but I will leave the link on here....sorry about that.

Sorry - no i meant i am starting to do what Cartel does with the help of these forum users - no i dont mean i help people and charge them....sorry - bad english! So all in all, they are a ledgit company that are taking advantage of getting people their money back etc....They do nothing wrong apart from charge huge commissions..... If that's the case I will just wave my settlements etc in my mates faces after they have paid their final fees. Thanks yourbank - you mind me pm'ing you with my claims links please for a nosey at them.... Again - thank you.

Ooooooo fast response there - is the reason not to touch them because of their fees or becuase they dont do what they say they are going to. The people at work say that once their debt is written off then they pay cartel 30% of the debt - so if they had a 10k balance, they pay cartel 3k - is this right? And if so, why would paying 3k instead of 10k be a bad thing? Sorry if I sound daft -- but reading these forums - i have started doing the same thing as Cartel as myself, and hope I get my cards wiped etc... A worrying thing I have noticed on 'some' threads is that some people stop giving advice when it gets 'dodgy' - i read one the other day, where people were giving advise for around 4 months, and then when a 'tough' letter was sent from a lender - it all went quite (unless it was dealt by PM). Thanks for the warnings though guys

The cartel group are advertising again to get people out of their credit cards, car finance etc.... Anyone had any dealings with this company? Couple of people at work are using them, and have been very happy with them at the moment - they dont promise the world, but advise they can do all the work for you and get your debt written off. All feedback welcome before I give them a ring.

Cheers Paul.

Does not seem to have anything on saying - please see overleaf - but to be fair - the copy I am reading is 100% as the one scanned and attached on here. It seems they have had the CCA sent by fax to wherever sent it out, and as such it looks poo. Something I have noticed, and had not noticed before is original t&c's 1 to 6 seem to be missing...not sure if this has any effect on anything. Cheers

Have updated inital post with link to my Yorkshire Bank CC response. creditcardmug - my other cc is with Abby, and I applied online (dont know if this makes any diff). And is maybe 2 years old? Not 100% sure.