right sent letter as provided by 42man, just gotta wait now. keep you posted.

after i send the letter as posted by 42man, what is my next course of action, am i just waiting for them to send a possible signned document, or is this loan now un en-forcable??? obviously i am a bit green on all this. i have read many cases on this site but none as yet for a joint loan. DO you think it should be easier for me to get my name removed off said debt as they will still have someone to chase or does it not work like that??????

do i send back recorded delivery?????

any advice for my previous reply, thanks

thanks 42man for all your help reguarding this matter i shall get on with the letter you have gratefully provided, did you mange to read the letter which finance co sent which i tried to post????????? if not they are asking for signitures from me and my ex as i did not sign the sar request, as for my ex i cannot get hers? and mine, should i sign??????

Time was up today for blair oliver and scott for cca request, So do i write back to say loan is uneforcable, need your guys help what do i do next???

bump anyone

just recently been having a bit of financial difficulty, for various reasons. and as a result have been past my overdraft limit 2-3 times Overdraft £100 Went over by £300(£400d) for 8 days and got charged just short of £200 To me that is daylight robbery, went in to see someone at branch Explained that it did not help with fraudulant activity happening with my account(approx £180 in 1 month) plus my job, self employed builder income up and down at the mo due to current climate(weather and general) he refused to help point blank, should i write to the bank???? Should i go the whole hog and start a claim for last 6 years(although i would be happy to be honest for last 6 months) I know there is still a suspension for claiming back charges but what do you think???

right i think you should be able to read them now:???: Should i just ring them to authorise?, will i still need to send off signed letter?? i doubt that i could get signiture from my ex. baring in mind i have also sent cca request to blair oliver and scott, which there deadline is 18th feb. obviously i do not want my signiture lifting so what do i do? many thanks all for taking time to read

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that did not work then, anyone tell me how so you can see them !!!!

???

how can i make these bigger????

letters

just recieved letter back from finance company asking for signitures for authorisation, will scan letters in later

yeah realised that after i had done and tried to delete other, well they have all been sent there letters now just a cause of waiting and to see if they come up with the goods, many thanks all and i will keep ya posted, besides i know doubt will require your help in the very near future(14 days and counting)

can anyone point me too a cca request letter, please. need to get one sent off asap. thanks

can anyone point me to a consumer credit act letter need one pretty quick, thanks

thanks 42man so i just pull up cca request on here and adjust to my case?? and send via recorded/guaranteed delivery,(without my signture) should i give them my new address or leave as it is(like i said i can get access to house to pick up my mail)??????????

also was i correct in sending s.a.r to original finance company?????

I have sent subject access request to original finance company so i can find out what has been going on since i split from ex 4 years ago. so they will no doubt forward my current address to blair oliver scott. Now should i cca BOS and see what happens, even if they do not forward i can get access to house for mail as step dad owns my previous property I got letter from bos on 15th jan2009 if they decide court action roughly how soon should i be looking?????? many thanks for your reply

anyone???? really hard as to know what to do, thats why i'm on here

so when my s.a.r comes back, which if they comply will be in 40 days time and if say there is no sighned agreement of any sort then i can dispute and put it on hold, till its sorted? so is there anything write to blair oliver and scott, to let them know(at the moment they do not have my present address so the door to door agent does not come in to play but court action will?) i do not own my own house, i am classed as living with parents at present, and other than my work tools and van that is all i have. I cannot scan lettter from them but it basically states that they have been instruted to obtain full payment and if i dont contact them a door to door agent will be round(i dont live there as stated) then court action will follow for judgement. Is this quite a final letter if so? can i do anything as i have had no previous correspondance from them or finance company as i have not lived there for 2 years.

no, just want to know what has gone on with this account, its a joint one with mx ex who i parted from 4 years ago and i paid her my half in full(trusted her to do so, i know i'm an idiot) the amount is £6500 which is only £500 less than what it was those 4 years ago

hi i have issued a s.a.r to finance company, now i have to wait the 40 days but what do i do about the debt recovery people? is this account now classed as in dispute as which i imform them of this?? my time with the recovery people is up and wondering what to do next? At present they only have my existing address not my current but now i have sent finance company s.a.r, surely they will pass my new details on, any help would be gladly recieved