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apolloway

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About apolloway

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  1. Thanks Palomino. I did try myself and sent a number of the template letters off. The difficulty I had was the confidence to know what I was doing as I am with CCCS paying £50 pm off currently and was worried that once I stopped paying, I would end up in more difficulties. I also lack the legal knowledge to know what to do at each stage and as my debts have been sold on from the original credit card companies, I found it even more difficult trying to resolve it. In addition, I did put a few posts on here and sometimes I was not getting any replies, so I thought if I pay someone
  2. Hi all, I'm hoping for some advice please. I have 4 credit cards all pre 2007 and hope the agreements maybe uneforceable. I did try about 6 months ago to follow the process DIY using the letter templates, but found it difficult to keep on top of and see it through till the end. I am with CCCS (debt management service) and therefore some of the debt had been sold on making it more difficult to pursue with confidence. I had a call from a representaive of claimback Uk and they have advised they provide a no fee no win if I decide to go with them. In essence, they have sai
  3. With the DCA's that haven't contacted me then, do you propose I just stop paying them through CCCS? Should I stop paying all DCA's through CCCS altogether? I'm conscious that they'll all start bombarding me with collection letters / calls again.
  4. I've already sent them this recorded delivery on 17/07/09
  5. Ok - I'll have a look at doing that this evening. On the issue, what would you propose I do with the other 3 DCA's who have not provided me with an agreement yet or even a reasonable response? Is there any other letters I need to send to them? Am I right to feel nervous abhout stopping paying my creditors? I was considering letting one of those companies do this on my behalf, but felt they charge extortionate fees and would try to do it myself with the help of caggers & then make a donation if I was successful.
  6. Not immediately, I haven't a scanner and I'm not sure how to take a picture in 'macro-mode' I may look to buy a scanner this week then and load it up.
  7. I sent Capital One the letter above Re: my request under the Consumer Credit Act 1974 - I have received a reply dated 28/07/09 with the following: As I've already explained, in accordance with section 78 of the CCA 1974 and the CC (Cancellation Notices and Copy Documents) Regs 1983, we've provided you with a copy of your original agreement, and if any terms have been varied, then the copy agreement will include the updated terms. In addition, your personal details, the signature box, signature and date of signature were ommitted from the copy provided as permitted under regulation 3 of t
  8. Thanks cerberusalert, I'll do this asap. Would you recommend that I send all letters to them recorded delivery? Do I need to send the DMA's a copy of the letters as well? With regards to Cap 1, is it likely they do not have a signed agreement as they would have sent me it or am I being too optimistic at this stage? What do I do with APEX who said they have forwarded the request on - I assume send the same letter as I am to the other 3 companies? Thanks 4 your advice - much appreciated.
  9. Hi, Following some great advice on here to challenge my creditors to see if 4 CCA's were enforceable, I was advised to send the DCA's requests to provide me with the CCA's. The 12+2 days are now up after having sent the DMA's my CCA request along with £1 postal orders on 10/06/09. I have had a response from APEX dated 11/06/09 who have advised that my ac has been referred to Goldfish to provide them with a copy of the signed CCA. They will endeavour to forward this on as soon as they receive it. Capital One have sent me a letter dated 15/06/09, in summary it says please find e
  10. I'm back again... The 12+2 days are up after having sent the DMA's my CCA request along with £1 postal orders on 10/06/09. I have had a response from APEX dated 11/06/09 who have advised that my ac has been referred to Goldfish to provide them with a copy of the signed CCA. They will endeavour to forward this on as soon as they receive it. Capital One have sent me a letter dated 15/06/09, in summary it says please find enclosed a copy of my credit agreement as requested. In accordance with section 78 of the Consumer Credit Act 1974 & the Consumer Credit (Cancellation Notices and
  11. Many Thanks Ida, I'm going to get these sent off soon. A couple more questions for anyone... (sorry) If the agreements are unenforceable, what happens next? Do I just stop paying the debt's? If I do just stop paying them, will I still be pursued regularly with threats to pay the outstanding debt(s) or do the debt management companies recognise that they are unenforceable and therefore close the matter?(wishful thinking) How will I know that they are 100% unenforceable? I would hate to do all this, stop paying them and then it comes back to bite me on the proverbial and
  12. Thank you for all this useful info. Still a few questions if thats ok.. Can I continue paying £50 via CCCS and look to obtain my CCA's to see if they are unenforceable? If yes, should I go to the original Card companies or the companies who now own the debt? Am I likely to find it more difficult to make they unenforceable now they are with debt management companies or is this irrelevant? Given that people have been claiming againist unenforceable agreements for a number of years, is it harder to prove this now? (ie loop holes/laws credit card companies have now introduced
  13. Hi all, I'm a new user and I have tried to scour the posts to see answers to my specific questions but still unsure so any help would really be appreciated. I have around £32k of debt originally built up on credit cards all prior to 2007. It is only since hearing adverts on the radio indicating that some agreements may be unenforecable that has prompted me to even look into this. I recently worked on bank charge complaints and became frustrated with companies charging extortionate rates to get the charges back that people could do themselves relatively easily. My problem is that mos
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