i forgot to say that the credit cards were done online within the last 2 years and loan with aL was through the post there have been lots of phone calls with barclay and lots of letters demanding payments

hello i sent off for cca for mbna didnt get a reply so sent 2nd letter off i am still waiting

the second cca was for virgin credit card same as above still waiting

barclay credit card didnt send one just terms and cond

a&l loan same again no reply after 2nd letter what do i do now i sent off a budget sheeet at first about income and what i could afford i set up my own standing orders with what i have left what do i do now it been a good few weeks thanks

hello please can you look at this in this agreement

they sent me it still has the insurance that i cancel

they didnt send me a new agreement to sign when i cancel it does this look

ok thanks

sorry the last letter i got later on a&l sent me this when i asked for the agreement does it look ok thanks

please can some one look at this is there anything wrong with it thanks

thankyou i will do that tomorrow

they got the letter on the 14th may

hello i sent a&l a letter saying i would like my cca i sent letter r.d also sent the £1.00 fee.

i got a letter this morning saying they will accept our temp payments until august nothing was said about our cca request the letter says

this arrangement has been granted without prejudice to our rights under the terms of the agreement which will remain in full force. as the account will be in arrears, this will reflected in your recourds with the credit reference agencies.

i dont no what to do now

hello

i have a few credit cards that were made online,

is there any point in sending a cca request as people dont have a leg to stand on with these,

i have sent off for cca as my ex lost his job and cannot afford the repayments so not trying to get out of paying but the cca were sugested to me in my last post

i feel what is the point if they were taken out online

so they have a digital tick were you are ment to sign.

they can come up with anything as it was made online.

yes we sent letter to cancel ppi then got letter few weeks later sayng our payments had changed as we no longer were paying insurance i think thats all we got we didnt get anything else, thanks

can someone please help my ex got 2 loans 2 years ago when we got them, we got insurance but when money was paid into bank we wrote to them to cancel the insurance as it was costing a lot

were they supposed to send us another agreement to sign as the payments of the loans were going to be different we didnt get any forms just our payments reduced i thought they had to send us new copys of what we were paying thanks

hello there are no charges yet as it is only this month that we cannot pay any of them all the cards were done online and done after the dead line of april i have sent them template asking them to hold intrest and to ask for reduced payments i am hoping they will do this as we have never defaulted on any of them until now thanks

hello i am new to this but after reading the posts i hope someone could help me.

me and my ex split up over 1 year ago we have house in both our names he was in work but was made redundant a few weeks ago.

he helped with the payment towards the mortgage and the loan we got when we took it out in jan 06 this was a secured loan,

he has 2 other personal loans with A&L amounts of ( £6000 loan left to pay £3800) and ( £5000 and left to pay £2700)

both have 2 1/2 years left on them we got them over 5 years and never missed a payment on these until now.

he also has these credit cards that were online applications

virgin credit card £3450 0% has just finished on this cant get another card

barclay card £3800 same on this card

MBNA £3000 0% until jan 2010 pay min of £25 month

i have sent letters to all these people explaining my ex situation with one of the templates off this site

and am waiting for a reply we didnt take out any insurances on any of these cards or loans as they hardly ever pay out and they cost a lot.

my ex has been down to the doctors as he has started drinking heavy and has depression some days

he doesnt even no what day it is i hate to see him like this and am scared of what he may do to himself

he has always worked and always paid his way.

he is now on benefits and has looked for work but the way things are there is nothing out there.

we are so worried as this month we cannot afford to pay these bills only the mortgage and loan on the mortgage

my parents can help a little towards this but not for long

what will happen with my home we got it from the council 3 years ago got it for £76k plus the £10k we needed for repairs to it,

the house was worth £104k and council took off £26k but put a charge on the house so that we cannot sell for 5 years

or they would want some of the money back so the bank has first charge and council 2nd if anything should happen.

we pay £350 a month for mortgage.

what would the best way to go about this can anyone help please.