Thank you. What should I do about this letter? Should I send the same letter to the solicitor that I sent to HFO? I want to do do something to show that I am contesting this. Is there somewhere I can report them? Panicking here!

More help wanted. More desperate now!! Sent the letter to HFO services recorded. Now I have received a letter from HFO's solicitor that they are now going to persue a Charging Order on my propery. Thurnbull Solicitors.I have seven days to respond. The letter I received is dated the 27th November. I send the letter to HFO recorded delivery on the 24th. What do I do now? I do not know if HFO are ignooring the letter sent and they are carrying on rgrdless. Should I send the same letter I sent to HFO to the solicitor. Please help quite scared of what can happen. Any advise will be helpfull. Help!

Are application forms used a lot instead of Credit agreements?

Thank you so much, I will send the letter today. It never even occured to me it was not the credit agreement. This is all they sent me and the Credit Agreement section is anuditable. I will keep you posted.

HFO.pdf Here it is. I was refering to the 12+2. If it is enforcable, what would you suggest I do now?

I received a letter in May from HFO for an old Barclaycard dept. I sent the letter from this site to request a copy of the Credit agreement. I sent this together with a postal order and recorded delivery on the 15th of May 08. I did not hear anything further until yeaterday. Yesterday I received a letter enclosing a copy of the Credit Agreement. The letter was dated the 17th of December 08. I know that the time limit is well and truly past for HFO. What is my possition now? What do I need to do now? I do not have the monies to pay. I have not acknowleded the debt. Help!!

Right, What happens if it turnes out that my debts are statuture barred to my credit record? Will it fall off my credit record or how will it show?

I have now received a second letter. "Following your recent request to be provided with a copy of the original credit agreement in respect of the Consumer Credit Act I can confirm our client Barclaycard has requested that your credit agreement be retrived from archive. Once the agreement is retreived you will be required to trpay the outstanding balance in full. If deemed necessary we may initiate legal proceedings which could eventually see your outstanding balance increase due to court costs and interest. In an attempt to resolve this matter in an amicable way we would like to offer you a settlement to bring this matter to a close. As long as payment is received by 21/6/2008 I am willing to accept £1021.60 as full and final settlement. on your account. If payment is not received within the time we reserve the right to proceed to collect the full balance." Now, Question: They are now over the 12 days since I asked for the Credit Agreement. How will I know if the agreement is still enforcable? They are abviously desperate as they have asked me to pay 35% of the original debt. Should I now report them to Trading Standards? Should I send them a letter? If so saying what?

What are the 30 calendar days after the 12+2?

I received a demand from Lowell on behalf of Barclaycard. When I requested a copy of the Credit Agreement they have sent me a letter in response, advising me that they have had to request it from their client. Therefore it may take longer then 12 days to supply me with a copy. I was under the impression that if they are not in receipt of the CA they can not chase for the money? What is my possition now if it takes them 3 month before/if they find it, and then send it to me?

I have quite few depbts over 6 years old that I get chased for now and again. Is there any point when a dept is no longer chasable? It seems that the debts just get sold and sold and then things start from the beginning again. The companies never seem to have the credit agreements and then they leave you alone. A year later you get another letter from another company chasing the same thing again. How can I get rid of them all once and for all?

I received a letter last week from Lovell telling me they had purchased my Credit Card Dept fom Barclay Card. Straight away I sent a letter registered post asking for a copy of the credit agreement. I have today received a letter thanking me for the request of a Credit Agreement and advising me that they are requesting a copy of the agreement from my original lender ie. Barclaycard. "While they will endevour to reply to me within the prescribed 12 day period, I should appreciate that this is dependant upon receipt of the information from the original creditor" My question is, I thought they had to be in receipt of the credit agreement before they can chase a dept? And what shall I do if they do not receive it within the 12 days? Is there anything I can do if they forward it after let say 2 months. The card is easy 8 years old and I would doubt they will be able to come up with anything. Any suggestions? Cheers