if you read the post I've linked above, it's really explained very clearly, there's not really a clearer way of stating it I don't think...

Isn't it a great feeling

Perhaps send them "I do not acknowledge the debt" and S.A.R them.. might cost £10, but at least then you'll have all the info and can possibly argue the statute barred angle properly? Others with more experience may be able to advise differently of course

Ahh.. "credittoday" You can guarantee that if it was written for "consumertoday" it would have a totally different slant on the angle Nothing like writing for your audience. I agree with poster above though. What a lot of smoke and whistles. It all boils down to that last sentence: "providing the lender has the comfort of an executed agreement" So it took 10 paragraphs of saying these things don't matter.... IF..!

when was the last time you paid/acknowledged it? you might get away with it being statute barred if it was from that long ago!

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Interesting how Solicitors say we are correct in our interpretations, yet the debt collectors say we are "misguided" .. Now.. which ones have the most legal training... hmmm.. let me think about this for one nanosecond

well mobile phone contracts aren't covered by the CCA I'm afraid. How long was your mobile contract? When was it taken out? when SHOULD it have ended? How much did you have unpaid at the end?

it's very difficult to read one whole large block of text like that Paragraphs help loads

"Alongside these actual legislative requirements, there has been a growth in the use of ill advised consumer websites where disgruntled or mischievous debtors can exchange often inaccurate, but plausible, information on avoiding payment of debts. Most lenders and purchasers see this as merely a tactic to delay payment, but it adds to the increasingly difficult collection environment. " BRILLIANT... Truly BRILLIANT

This link will take you to a post where SD's are explained and what to do. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/158395-statutory-demand-bankruptcy-disputed.html#post1694186

go to court and get it set aside, bankruptcy is really a last resort to be honest.

rakker did you do as was advised to you in the thread I've linked above?

subbing because that's a great post to advise from in the future!

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/148958-what-do.html Having done a search all posts for the OP I think it's explained in here too.

That was exactly the letter I got, and sent back the bog off letter standard on this site and enclosed a copy of the letter from Littlewoods. On the bit where they refer to "you agreed to" I wrote in pen by the side of it - "what agreement? There is none according to the paragraph above ":D

Well I'd write to capquest and the Halifax saying that you dispute the debt because of the stolen cheque book and give the crime number you got from the Police when you reported it as a start! Send it recorded delivery, then, when the stat demand arrives, you can say it's disputed and give the reasons why.

btw, it's great that you've been reading around the site, so don't forget to stay around and help others too

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/157873-still-bit-confused-about.html#post1687963 This post explains it very well from one of the site team.

The agreement cannot be enforced until they produce the agreement, once it has been produced, then they can collect*. The time period you are thinking of is the 12+2+30, which is now just 12+2. I'll do a search for you and post the relevant bits.

There's way too many people here already desperate for help with a limited pool of helpers available!! (and also those that get their help and go back into the wilderness and don't stay to help others too!!!)

Assuming the agreement is legit, then yes they are. The account is only unenforceable whilst they are unable to produce the agreement, once they produce the agreement in the legally proscribed form, then they can enforce the debt.

Bloomin heck, could you possibly put some paragraphs in and full stops or something... it's really really difficult to read at present!

Well this is what their website says: Transparency We'll always tell you upfront what the cost of your cash advance will be. There are no catches or extra costs to worry about, providing you stick to your side of the deal. Whether you are borrowing £200 or £500, you’ll pay interest of 1% per day (£1 per £100 borrowed per day). That's an official APR of 2334%, but bear in mind that APR is a measure of annual interest and a Wonga loan is only for between five and 30 days. It's a bit like trying to plan a short hotel break and being told the theoretical cost if you were to stay all year! Failure to stick to your side of the deal The only way costs will mount beyond our initial calculation is if you don’t keep your promise. In other words, if you ask us to change your repayment date, or don’t ensure sufficient funds are available for the automated collection. If we can’t collect payment from your debit card on the day you selected you'll have broken your promise and will incur a £10 administration fee towards the cost of a failed collection. Interest will also continue to accrue. If we are declined by your bank a second time and haven't heard from you, you'll have failed to honour your loan agreement. We will hand your account to a debt collection partner and may add additional default charges, totalling up to £80, towards the costs of our collections efforts. Sustained failure to repay a loan will also lead to a black mark on your credit record and potential legal action, both of which could make it very difficult to gain credit in the future. None of these things are worth risking over a few hundred pounds, so if you have doubts about whether you'll be able to repay a loan within 30 days, please don't apply in the first place.

why oh why oh why would you take out one of these awful things when you knew that you were struggling and wouldn't be able to pay it back? Online application would be irrelevant now since the new Act, you will have been deemed to have accepted the conditions by pressing the "accept" button, would they have sent you anything by email confirming? or is there some sort of "blank" terms on the site?