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  1. Hi Roverman, I don't suppose I could be cheeky and ask if you have a copy of the letter, so i can send it to my recently closed accounts please? XXXXX
  2. Ta, I am definately not paying this!! xxxx
  3. Thanks for that, I am going to offer a lowish settlement figure. Cheers xx
  4. Hi, Would someone have a look at this CCA too and let me know if it is a valid one please? Thanks x http://i79.photobucket.com/albums/j157/Jo_Pinkpegasus/Topshopcca-1.jpg Ignore the name of the link, I mixed it up with my topshop acc!! silly me.
  5. I wondered if it meant that but then thought, they know its only my name on the account so unsure why they would put that on? Thanks xx
  6. Hi, received CCA from Style and was wondering if someone would look to check if it is valid for me please? I am guessing it is? Thanks http://i79.photobucket.com/albums/j157/Jo_Pinkpegasus/StyleCA1.jpg http://i79.photobucket.com/albums/j157/Jo_Pinkpegasus/StyleCA2.jpg I have actually signed the first one, its just too dark to see it.
  7. Hi, I have just received a full and final acceptance letter, which I want to pay, but need clarification on some wording please. The letter is from Direct legal and collections, the debt was originally with Egg. We confirm that we will accept £xxxx in full and final settlement of your debt. Our client reserves the right to persue any oher borrowers for the remaining balance. Your payment must reach us by xxx. If your payment is not received by the agreed date, this offer will be withdrawn and the full balance will be payable. Does the highlighted text mean that though I have F & F, though its only a partial payment, can they sell the remainder on and another company can chase me? Thanks xxx
  8. With regards to my Halifax default, does the date the letter was sent (12 June) and the date payment is required (21st June) make it invalid? As there is less than a 14 day period? ta xx
  9. Been offline as moved house, but it's been well over 12 + 30 days since I sent the CCAs off to Direct Legal. Received statements of my accounts from them and they have actually cashed the cheques to my account! Gonna read back through some other threads to find the correct letter to send now.
  10. Hi, thanks for that 42. Would someone have a look at the default bit at the bottom, please? Cheers.
  11. Received this letter and copy of agreement yesterday, damn. Obviously hoped they didn't have it. Would someone have a look to see if it is enforceable please? Thanks... http://i295.photobucket.com/albums/mm132/Johannawalker_photo/letter.jpg http://i295.photobucket.com/albums/mm132/Johannawalker_photo/hali1.jpg http://i295.photobucket.com/albums/mm132/Johannawalker_photo/hali2.jpg http://i295.photobucket.com/albums/mm132/Johannawalker_photo/hali3.jpg Thanks in advance. I was also sent a default notice for the same account last year even though I was regularly paying through Payplan, I have posted this below, would someone also have a look for me to see if this is valid please? Thanks xxxxx http://i295.photobucket.com/albums/mm132/Johannawalker_photo/haldefault1.jpg http://i295.photobucket.com/albums/mm132/Johannawalker_photo/haldefault2.jpg Not heard a thing from Direct Legal!!!
  12. Yeah, they should have used it towards the debt I owe them!!! ha ha
  13. Nothing yet from Direct Legal, but received letter from Halifax as below and my £1 cheque back with a compliment slip. Does this mean that they are not even going to try to send a copy of my CA? http://i79.photobucket.com/albums/j157/Jo_Pinkpegasus/halifaxresponse1.jpg
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