here we go again i had a letter from credit security limited re lloyds tsb we write further to our letter dated 26/11/2009 we understand from our client that a copy of your credit agreement is not available in view of the age of the about debt. however you will be fully aware of your liability and we look forward to receiving a payment and repayment prosal in order to resolve this matter. do i ignore this letter or reply ?????

just received a letter from lloyds telling me i now have 5 days to pay or they will take me to court as i have refused to pay, i only sent my letter on saturday so they couldnt have received it yet. any sugestion

can anyone help please

no i didnt ask for it

hi ive got rid of the signture and rescanned the pages a few times so that all the information can be seen.

i have got rid of signature and re scanned pages one page ive scanned a few times so you can see all imformation

thats done but black line is still on it i really hope ive done it right. Pictures by calkim1 - Photobucket

my scanner has put a black line down the papers im hoping this wont make a difference, also i havent scanned some of the pages but if you need them let me know

hi i have just received what looks like the credit agreement for a loan which im not sure about its signed and dated but i never took a loan out in jan 2007 if i scan the pages in would someone have a look at it for me many thanks

thank you i have now removed the letter.

i hope this has scanned in ok. i have sent the company the letter that was suggested by yourself. i would be gratefully for any thoughts you have on this letter

the company is iqor recovery services the new name is legal and trade recovery services. i will get the letter scan asap

debt collection agency have sent a letter stating that court action will proceed if i do not contact them within 72 hours and they will instruct debt collectors to come to my house and take goods to the value of the debt. i have ask for the cca and as of yet still had no reply after 5 months. do i contact this company and tell them this debt is in dispute or leave it

Yes, this is to do with original thread now moved onto this letter received yesterday.Thanks hammyhound for yr advice,will send them your letter and see what happens, tks to you all Mark

I today have received a letter from LLoyds solicitors telling me they are taking me to court if i do not pay them in 7 days.The letter states i have 7 days to agree a payment with them or county court proceedings will be issued against me and that i will be liable for £190 court fees and £100 Solicitor fees.It states i have 7 days to reply to this letter if i have a genuine reason for non payment as of the date of this letter(22nd April).They add that they might consider a realistic monthly payment and should contact them asap, this comes from Sechiari,clark and Mitchell.This matter concerns a credit card that i have sent AIC a dispute letter and the follow up letter.Should i speak to them on the phone and advise them of the situation ,send them copies of the letter or ignore them,though this slightly bothers me,as do not want a CCJ against me and more charges.I await any details that any of you good people may have to help me on this mattertks Mark

thank you for replying

yet another letter received from AIC MISSED PAYMENT Dear Mr ----- our records inidcate that allied internetional credit(uk) ltd(aic) have not received a payment in accordance with the agreed proposal to repay your above account. unfortunately,this agreed payment proposal will be cancelled should you fail to contact aic on receipt of this letter and make arrangemnts for this payment to be made.failure to contact aic may also result in your account being transferred to our collection department,where the outstanding balance will be due immedialety. if a debt adviser is handling your financial circumstances please ensure you pass a copy of this letter on to them . i know this is a ploy to get me to telephone them but should i reply in writting or carry on ignoring them.

thanks will do nothing

can anyone advise please

hi just received a letter from aic stating they are sorry for all the phone calls and say they will stop but can i start to pay them some money. i still havent heard from them about the cca i have sent them the 2nd letter stating they havent sent me the cca and the debt is still in disbute what is my next move do i send another letter or ignore them

just received a letter from AIC stating they didnt have to supply me with the cca and i would have to start paying the debt and it was my debt. i have written to them any other ideas

hi just needed some advice i am still waiting for the cca nothing yet and it been over 16 days im due to pay aic this week do i still pay or will that cause problems

tks for yr comments, all the best to you 4 2009, I am awaiting Lloyds to reply to my letter,as yet deathly silence and no calls from AIC, got to be a plus, tks to everyone who has offered advice

hi ive sent off for the cca how long should this take beofre i hear anything

tks for all yr help,at moment am awaiting the lovely AIC and Mr.Hughes to get back to me, though have told them i will only reply in writing