hi, i am sorry to be a pain, but i could do with some more support here, please...

yes, i have defaulted on it, and a default notice has been sent. i am on debt management programme with them.

sometime in 2005. definately before april 2007.

now they haven't send me a copy of the agreemnt yet. so what can i do now?

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is this an enforceable agreement?

i am trying first insert image, then the link on my c-drive. but, nothing happens/////////

Hi All, Can Somebody Be Patient Enough To Guide Me Step By Step How I Can Post An Scan Doc On This? Thanks A Lot

hold on

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can some one tell me how to scan documents so that it can be posted here? plzzzzzzzzzzzzzzzzzz

thanks a lot for replying IdaInFife. yes, i replied to the court claims on time. i asked the court if i could pay in installments, and filled in an income and expenditure form. the court ordered me to pay 135.00 p/month on a balance of 17,600.00. i have been paying this since july 2008. but since feb this year i have been unemployed and struggling to keep up all payments.

i need to go to the library, as i have no scanner. i will scan it and post it ASAP.

I Had A Credit Card From Northernrock And One From Co-op Bank. Both Before April 2007. They Got A Ccj On Them Now. Both Boundled Into One, As Both Owned By Co-op Bank. A Month Ago I Asked Them To Produce A Valid Signed Consumer Credit Agreement For Both. They Replied To My Request With About 20 Pages Of Computer Print Outs, Showing Balances And Interest Charges. But No Copy Of Signed Agreement. What Is My Next Step? THE FACT THAT I DID NOT OBJECT AT THE TIME OF CCJ, DOES IT MAKE ANY DIFFERENCE OVER THE UNENFORCEABLE OF THE AGREEMENT BIT. IF THEY HAVE AN AGREEMENT THAT IS? Any Advice Would Be Grately Appreciated. Thanks////

hi everyone, is there any who has lost money paying for an endowment policy. i have been paying 100.00 a month with scottish mutual since 1999. i have been told its under performing. can anybody send me a sample of the projected statement ( with ur personal details ommitted) so that i could understand these financial jargans. thank you inadvance for your help.

i have stopped payments to the above mentioned MBNA loan account due to their failure to provide a cca with in 58 days ( requested on 12/11/2008). MBNA/Link financial have not contacted me .... what shall i do? continue not making future payments.... but what is the end to this.. what is the bottom line?

hi hackersons and all the other respondees, i always thought that the student loans companies are part of the Government. and u cannot challenge the Gov,t. that is very brave of you. i also have student loans 98/99/00/01 totalling of 13,500.00. can you be 100% sure that the cca thing will work with SLC's as well?

thanks for that Silverfox1961. at present i have a cosy arrangement to pay 5.00 p/month and interest and charges frozen on a loan of 9500.00. by taking all this legal procedures of requesting for cca, and if not received within 45 days, default them etc etc.... i feel as though....am i not putting my self open to trouble. would the creditors get upset over these actions of mine???????? would it spoil any future repayment arrangement/ discounted one off f&final settlement offers in any way at all???????????? tell me i am worring too much....

hi all, i have send a cca request to MBNA loan. Link financial is dealing with the account now. they have asked for 30 days to get the cca from BMNA. but its been 50 days since they said that. i have stopped the direct debit. but what i want to confirm is ok. they didn't find the cca with in 50 days. but if they manage to find it in the future, how /does that change the situation in any way? what i mean to ask you guys is that, can they make the agreement enforceable upon finding the cca at a later date in the future? please help me////////////

hi all, i have send a cca request to MBNA loan. Link financial is dealing with the account now. they have asked for 30 days to get the cca from BMNA. but its been 50 days since they said that. i have stopped the direct debit. but what i want to confirm is ok. they didn't find the cca with in 50 days. but if they manage to find it in the future, how /does that change the situation in any way? what i mean to ask you guys is that, can they make the agreement enforceable upon finding the cca at a later date in the future? please help me////////////

hi, i have received 2x SD from HFC bank. marbles and Hilton HHours cards. both totals 16,500.00. two years ago approx. Aug 2006, i have defaulted on them and working through CCCS, they have agreed to freeze all interests and charges and agreed to payment of 5.00 on each accounts. all of the sudden they passed the accounts to MARLIN financial services, and they send me teh Stat Demand. as a home owner i was very much worried and borrowed 16,500.00 from some loanshark at an apr of more than 50% to pay them. they just given me 21 days to raise 16,500.00. my whole family, wife and 1 year old boy, wife was 8 months pregnant at that time were shocked. what can i do to them? can i get some sort of compensation? please advice me to get at them and i strongly feel unjustice has taken place here....