while waiting on 'cashins' reply I am pleased to announce... Halifax are the first to write off a debt- letter came today... couldn't locate the CCA and have closed the account and kindly ask we do the same!!! Hooray.... feels like a step towards the light!!

must be totally dense... send them 'this' :confused:what!?!

you guys have helped me sleep for the first night in three years.... thank you! will be donating what the bXXXXXX demanded as payment as soon as i have them off my back... what a life line!!

I know I shouldn't be here but so totally lost in thread posts site -too old for this cyber stuff! Sent CCa request with cash... from Australia 1 pound would cost 19 pounds to send as money order... had my request and cash returned with nasty note saying we wont process until cheque or money order received... is that lawful!?!

whats the state of play with sending cash to request CCa... it will cost almost 18 pounds to send 1 pound by international money order... just cant afford it!

I too am new and having real trouble navagating the whole thing... too old probably!!

thanks guys... have been in and out of severe depression over this thing esp with four young children and trying desperately to make new life abroad work... funny how all my best intentions of paying back every penny evaporated when the bank had a zero sympathy tolerance....

my husband and i moved to australia 5 years ago and kept up credit card payments, we subsequently went into financial decline 2years ago and then faced hardship... we have kept everyone aware of our whereabouts and have continued to pay our creditors via payment plans. some of our debts have been sold (we think... there's a lot of scare mongering and harrassment) some are deing passed internally ie. halifax to blair oliver and scott- what we want to know is how we can end this nightmare? can you file for bankruptcy in absencia (sic) or can we set up one of these IVA (is that right?) or are we forced to phone these people once a month to make debit card payments for all of eternity??? and what would happen if we didnt phone them back?