Hi, When you go to the job centre, they should tell you what you may be entitled to. I would suggest you do lots of googling to get up to date on the info and have a look at the benefit calculators too. I think your mortgage has to be your priority debt so the visa's will just have to wait - you might want to look at the CCA forums on here to see if you can put those into dispute...... I don't know about the endowments as I have very little experience of them but I am sure someone else will be along that can comment.... Best of luck to you. It's such a worrying time.

SOunds reasonable, you also need to apply for income support to see if you are entitiled to help with mortgage interest payments. If you really do still come unstuck then you can neogatiate with northern rock again to reduce you rpayments further (I believe they can take something like a third of the interest only payment). Also consider a payment holiday of up to 6 months.

Deejay, I am also with NR and got into a mess when I seperated from ex husband. Long story. I rang Northern Rock and explained exactly what the problem was and they are required by law to help people like you in temporary difficulty. You can switch to interest only which should reduce the mortgage significantly and they will even allow reduced payments (but don't forget if you do this the interest on the mortgage builds up). Also, you need to go and apply for benefits as you may find you are entitiled to help with housing which should pay up to 200k of the interst part of your mortgage. The other thing is that if you have paid your mortgage on time etc up until now you could take a 6 month payment holiday. Just some ideas and hope they help.....

Okay thank you !! I suspect they will just pass it on again and I will keep going round in circles.

Dear cerberusalert, Thank you but I already sent that letter to them and the response from halifax is the one I posted above ! Any further ideas on how to deal with them or just resent the scots letter again ? Thanks

Hope this is okay ?!

Hi, I applied for my CCA for the halifax sometime ago, they sent me a hashed up version which had no personal details at all and was considered on here to be unenforcable. I then wrote to them again asking them to stop processing my data as the account was in dispute etc etc and received the letter below this morning (I chopped off the headed paper when scanning to avoid scanning my personal details!). Firstly they are saying I request a 'reconstituted' CCA (I actually requested a true copy!). Then they go on to say that what they sent was sufficient copy (I think it isn't). They are saying the purpose of section 78 was to allow clients to see T&C's whereas I thought it was to check for a compliant agreement ?? They then go on to say they haven't got the CCA and won't be enforcing anyway while they search for it but the will continue with collection activities as the contract is still legal and not void ?!?! I thought collection and processing of data was not allowed whilst the account was in dispute ?? Can someone please please tell me how I deal with this stupid letter, they have already sold my debt on twice in the last couple of months and I still haven't recieved the info from the SAR which is well outside of the 40 days now. Thank you !! T35R

Oh I see ! I didn't know, sorry to butt in....

I have just noticed that your letter is from Anne Gartshore - my CCA letter was also from Anne Gartshore but my account is with Halifax ?!?!?!?! Coincidence or has Ms Gartshore deflected to another side ?!

Thank you again.

Thank you again cerberusalert for the letter. I will send today. I have just added up the 40days, i sent my request on 12 July (recorded delivery) so by my calculation, they have until 21st to comply, that's just 3 days remaining and 2 by the time they get my reply tomorrow. I sent off two SARs to Cap1 and Hlifax and had nothing from either. What happens if nothing arrives by the 40 days ? Equinox, you are right about the delaying tactics - neither Hal or Cap1 have been able to rpoduce a CCA, they clearly don't have any. However, so fa this hasn't stopped either of them passing the 'debt' from DCA to DCa continuously. Thanks T35R

Hi, I have sent a SAR off to Capital One. There is about a week left on the 40 days for them to comply. Heard nothing at all until today when I got a leytter saying that they couldn't comply as I have not signed my letter requesting it. Obviously I didn't sign the letter in accordance with the advice on here (that they can rip the signature to fake the CCA's !!!). What do I do not though ? Is the sig a requirement to get the SAR done. I am sure its just stalling tactics on their part but how do I move this forward ? So far, the have been unable to produce a CCA which is why I have sent the SAR. Thanks ! T35R

This is a fantastic letter. Thanks so much !!!

Thank you, that is what I thought too and I responded when I got this stuff some weeks ago saying it was un-enforceable and i heard nothing further from them until i then got a letter from Westcott. I wrote to Westcott advising them it was in dispute and they responded asking for deatils of the dispute and asking me to pay the amount that wasn't in dispute. I ignored that letter (maybe not the best move?!) Westcott have now passed it on to Nelson Guest and Partners. Please could you advise me what letter I need to send to fend off Westcott and Nelson as I think Halifax had no right to pass it on while it was in dispute anyway ?? Thanks for your help.

I am not sure but it was around 6 years ago I think. Does that help at all ? Thanks for replying !

Anyone ? Please ?!

Thank you, I will give it a go. Does anyone have any idea if this is enforceable please ?? Thanks

Yes ! Blank agreement, no dates, no name, no address, no writing or signatures - Nothing !!

Sorry I can't seem to get the first page of the COA to go in without my details on it ! It just has my name and address pasted in....

Hi, I have worked out how to scan in the copy now so edited my post above to include the scanned agreement. Hope this helps. Thanks again. T35R

Hi, I hope you can see my scans below of the CCA that halifax have sent to me. It contains my current address (where I have blacked out) but no dates or signatures at all. I CCA's them back in May, rec'd this a couple of weeks ago and they are claiming they have done enough ! They passed it to Westcott, so I wrote to Westcott and told them it was in dispute, they then asked for details which I ignored (as Halifax have all the details). Westcott have now passed the debt on to Nelson Guest and Partners who are threatening me. I would be grateful if someone could tell me if this is enforceable and what I now do abot halifax/westcott and nelson guest. Oh and I have applied for a SAR but not received it as yet. Thanks

Hi 42Man, No I hadn't seen that one so thanks for the link. its really useful. These forums are fantastic but can be hard to navigate when you are new so any help is much appreciated. Thanks Time

Hi there, Thanks for responding, it is blank. It doesn't have any of my details on it at all and it's pretty much illegible as well. I will send the above letter today. I have another Halifax one I am trying to post up at the moment as well and I would very much appreciate it if you would give your opinion on that one as well ? FYI I have Sar'd them but not recieved the paperwork as yet. Despite the account being placed in dispute they then passed it to Westcott, so I advised Wcott it was in dispute and now wetcott have passed it to Nelson Guest and Partners! Thanks again.

Hi, I CCA's Next Directory and received this:- Please advise if it is enforcable ? Thanks