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Hi I have an update, on my CCA's that i sent, I have had one back today from Littlewoods and they have said that "unfortunately we are unable to locate a copy of an excuted agreement, but for your information we enclose a copy of the current agreement which applied to this type of account, this version includes all contractual variations which have taken place" The agreement that they have sent is a blank agreement just as they state, does not even have my name or address on it and is just a general agreement, does this mean it is unenforcable? if so what is my next letter to send? Thanks

Hi Yes i do have the documentation for the PPI. Ok my scanner in work is a scanner to email, which isnt going to do what i want it to, what about if i take a photo of the letter and then post it? Got to go to work in a minute will have to do this when i get home i can then show you the letter and the PPI doc, by the way i reread the letter it doesnt say its against the law sorry i read it wrong, it says that to record phone calls i have to let them know first or it will not stand in a court of law.

Would love to post the letter how do i do it? I have a scanner in work but how would i get it onto this site? I have now sent my CCA's just need to know when is day one of 12+2 and also do i still keep paying my token payments while i am waiting to hear back?

I am holding up well now that someone is advising me thank hevens for this site. Im glad i changed my home phoone number i do not get one single call, which helps keep my sanity. Just waiting for the mobile to start ringing again in the next 4 weeks. The letter they sent me was good they said that I cannot record them unless i let them know im doing it, as i will be braking the law.. Thanks agian for your help will keep you informed. Whats the best thing to happen? That i dont get my CCA's or that i do get them and they are unenforceable?

All loans are unsecured. Ok will send off CCA's I have them all written just needs to change the dates, and in the mean time while i am waiting 12+2 for the reply what shall i do about any other letters i recive from them? Thanks again

Ok thank you

Thank you all so much for replying i was starting to loose hope. Ok between myself and my husband we owe 3 loans, 1 credit card and 1 catalouge all which amount to roughly 25k (not sure how much info you need) I have had no default notices as yet but the last letters do say if i dont pay arrars now then they will be passed to a debt collection agency. There are charges and also one of my loans have payment protection on it. Can i get this back? as the payment protection amounts to about 2k over the loan period. I know this is not nice for anyone and wouldnt wish it on anyone but it gives me hope that there are poeple out there like us and hopfully can eventually start sleeping again at night. I am so pleased i found this site. I first posted this on general debt advice and someone told me that my option is to go bankruped this surely isnt my only option is it, I have 2 young children who need a roof over their heads. Thanks Is anyone around, I have answered some of the questions i still need advise. Thanks

Well basically my kids need a roof over thier heads. Surley this is not my only option? I read alot of posts on here over the past few weeks and Bankrupsy was hardly mentioned as an option. Hi (i have posted this on general debt advice but I am looking for all advise possible) I am a newbie and have been lurking for a few weeks and have took some of the advise you have passed onto other people in the same situation as me, hope you have the time to read my post as I feel at the moment im at the end of my thether sorry its long. In Nov my husband fell out of work, he is self employed and in his line of business in this current market its looking grim at the moment, In Jan I sent all my creditors a letter to say I have financial trouble and sent them a budget sheet to show my outgoings where more then my incomings and I have offered them a token payment of £1 until my situation gets better, some I got replies from to say that unless I was with a DMP they couldn’t accept it and would keep on adding interest and charges to my account, and everyone I have sent the pound to have cashed it. I called up Payplan who informed me they couldn’t help me as I did not have enough surplus money, they then sent me letter templates to send my creditors which were the same as I had already sent to didn’t see the need to send them again. In the mean time I have had untold amount of calls from one of my creditors and they just keep repeating themselves by telling to speak to CAB to do a budget plan for me they are just not listening to me, but they keep phoning and phoning me day and night and if they cant get me on my house phone they ring my mobile, I have sent them the harassment letter and changed my home phone number. I received a lengthy letter on Saturday from them to basically say they are sorry that they have caused me distress by the phone calls but they have not broken any acts and they have every right to call me to try and resolve the matter and will put a hold on all calls for 4 weeks but If I do not pay the arrears in that time the phone calls will start again. I have also received letters from all my other creditors telling me that I need to clear up my arrears or they are taking future action, they just are not listening to me I have sent them numerous letters asking them to reconsider and please accept my token offer but still they seem to be ignoring the fact I am trying and just keep sending me the letters.. I don’t know what to do now, I have CCA’s ready to send off but im sure they will all be enforceable and have been holding off sending them, what shall I do? Thanks Bump

Hi Thanks for replying, yes i do own my own home and payplan have told me bankrupsy is not an option as i have 2 young children. My debts are as follows: Cahoot - £7000 loan AA - £4000 Loan lloyds Tsb- £4000 loan lx direct - £2000 catalouge citi card - £4000 credit cards Any advise is apriciated. Thanks

Hi I am a newbie and have been lurking for a few weeks and have took some of the advise you have passed onto other people in the same situation as me, hope you have the time to read my post as I feel at the moment im at the end of my thether sorry its long. In Nov my husband fell out of work, he is self employed and in his line of business in this current market its looking grim at the moment, In Jan I sent all my creditors a letter to say I have financial trouble and sent them a budget sheet to show my outgoings where more then my incomings and I have offered them a token payment of £1 until my situation gets better, some I got replies from to say that unless I was with a DMP they couldn’t accept it and would keep on adding interest and charges to my account, and everyone I have sent the pound to have cashed it. I called up Payplan who informed me they couldn’t help me as I did not have enough surplus money, they then sent me letter templates to send my creditors which were the same as I had already sent to didn’t see the need to send them again. In the mean time I have had untold amount of calls from one of my creditors and they just keep repeating themselves by telling to speak to CAB to do a budget plan for me they are just not listening to me, but they keep phoning and phoning me day and night and if they cant get me on my house phone they ring my mobile, I have sent them the harassment letter and changed my home phone number. I received a lengthy letter on Saturday from them to basically say they are sorry that they have caused me distress by the phone calls but they have not broken any acts and they have every right to call me to try and resolve the matter and will put a hold on all calls for 4 weeks but If I do not pay the arrears in that time the phone calls will start again. I have also received letters from all my other creditors telling me that I need to clear up my arrears or they are taking future action, they just are not listening to me I have sent them numerous letters asking them to reconsider and please accept my token offer but still they seem to be ignoring the fact I am trying and just keep sending me the letters.. I don’t know what to do now, I have CCA’s ready to send off but im sure they will all be enforceable and have been holding off sending them, what shall I do? Thanks

Hi I have been lurking on this site for a few weeks now, and have read all advice given to people who are in my state. My husband fell out of work in Nov, so we have been unable to make our agreed payments to our loans, and credit cards, In Jan i sent them all a letter, to let them know our situation and attached a budget sheet to show them our outgoings were more then our incomings. I have offered them all £1 until our situation gets better and in the mean time one of my creditors told me they couldnt accept this payment without me going onto a DMP (they have all been cashing the £1) so i spoke to payplan who cannot help me as i do not have enough surplus money and they have advised me to do what i have already done (sending letters to explain) I have been getting untold amount of phone calls from one of my creditors who keep on telling me that i need to go to CAB so they can work out a budget plan for me and although i have told them i have already done this they just wont listern, I have now changed my phone number and sent them an harrasment letter about the phone calls, and on Saturday i got a letter back to say they are sorry they have caused me distress but they have every right to call me and have put a hold on the calls for 4 weeks but if i dont pay my arrars they will start calling again , they wont get through to house phone but calls on my mobile will start again. I have got letters from all of my other creditors not even acknowleging that i have sent them letters and budget sheets, but are all demanding the arrers or they are taking further action they just are not listerning or reading my letters. I feel like im at the end of my thether with it all i just dont know what to do now. I have written out all my CCA letters ready to send off do you think i should send them now? Do i sent another letter to them all explaining my situation again? Just dont knwo what to do now. Sorry this is a really long post hope you can advise me to the next step. Thanks