Hi Thankyou everyone for your help and suggestions so far. Does anyone know if now we have requested a CCA for her, should she continue to make the payment she agreed to (even though they forced her to and she can't afford it), or should we offer what she can afford, or stop paying altogether until they have produced a valid CCA? I don't want to mess things up or do anything wrong and make them hound her even more, which I know by what they have done so far, they will!

Thanks again dx100uk. We have sent the CCA request and wait to hear what they throw at us next! We don't want to SAR them because it's not a case of trying to get out of paying the debt, it's a case of just trying to get them to accept a payment my mother can actually afford! Also, they have put a default on her credit file, even though they accepted the unreasonable reduced payment they forcd her to agree to! Will they have to remove this if they can't provide a valid CCA? Are we following the right route, as we are not trying to get out of paying, just lower the monthly payment?

Thank you very much diddydicky for the info on Truecall. I have a feeling I know lots of people who will be glad to know about this!

thanks dx100uk the agreement as originally with saga who I think then became Liverpool Victoria Saga, who then sold out to Bank of Ireland (I think) last year. Everyone was sent letter telling them they would have to reapply for new cards with new owners, but like lots of others, my mother was turned down for a new card, but is continuing to pay the original card and balance that was left owing on it at the time of the changeover, so she is paying Liverpool Victoria Saga! Its all very complicated, but she was told this company does this every so often to 'clear out'. Is this Right? Does this change anything? They made her fill out a form to state her incomings and outgoings recently, before they would finally agree to a reduced payment, which she still cant afford as she only receives invalidity benefit. I didn't know about this and am very angry. Can they do this? Please help!

dx100uk, Thank you so much for your quick reply. Yes, as you correctly guessed, this company specialises in helping the elderly! I am at my wits end, as they have ignored all my basic suggestions so far. I will get the letters sent tomorrow by recorded delivery. Does this mean they will have to hold off any bancruptcy petitions, or what do we do if she receives anything in the meantime? Also, I'm sorry for sounding stupid, but what do you mean by come back on here and get it verified! Thanks again I'm really grateful. Wx

This is my first posting, but I hope someone can help me. My mother who is between 60-65 years old, has a credit card she has been paying for years. Due to recent crisis and the fact her husband has now retired, they have no income except her disability payment and his basic state pension. She wrote to the card company explaining her change in finance and that she could no longer pay the minimum payment, and asked if she could pay a much lower amount for 4 months and hopefully increase to the full amount again after this time, but the company refused! She asked them to freeze charges and interest etc and again they said NO! She has not been able to pay the full minimum payments and they constantly harrass her by phone, which frightens her and is affecting her health even more. They have now said they want the card balance in full, including charges they have now added and have said they are applying to make her bancrupt! She is in rented council propertyn and owns nothing. I can't believe they can harrass the elderly like this. The debt is about £8k. Can anyone tell me what to do to help her? Please... I would be really grateful... Thanks