ok, thanks. sorry - im not quite with it. stupid i know. i still owe what i owe - but they will have to accept my offer of repayment? I just dont want to end up in court or with them letting my work know etc. and im still not exactly clear on what it means if the document is dated pre april 2007 (sorry) i just want to have a perfect understanding of what i need to do and when (i know i must be annoying you now!)

so... if they send me a copy of the ccca and its signed before 1st april 2007 - no debt. if (it most probably is) its after 1st april 2007 then no debt? but, until then, i do nothing!? should i include it in my debt repayment plan with cccs?

enjoy the quiet! excellent! do i wait for them to respond? im speaking with the cccs tomorrow regarding repayment plans - what should i tell them!? Can A.I.C still enforce the debt?

Hi all. I'm back. Hope you are all well, ive had a lovely break and now its back to reality. I got home to ZERO horribly worded letters - never thought it were possible! Further to the letter i sent them (thanks berrylover) A.I.C have NOT sent me a CCA - the only response i got from them was a copy of their complaints procedure. What do i do now?.......

Az - thats too kind mate, really. (im a cider drinker anyway ) you're all restoring my faith in human-kind - no one ever seems to want to help others these days, its testament to yourselves that you are on here offering guidance and help without even declaring your own real names - proof itself that it is not being offered merely for any selfish reason. And it shocks me that decent human beings like yourselves are also ones who have been treated in the same manner that i have with creditors etc. i cant thank you all enough. im going to look into this 30 day cool-off and see if it can help buy a bit of time - as i said, i wont be here for a while. and when im back, if i post back on here with Mr Hamilton's responses, I hope you are all as forthcoming as you have been today. Something tells me you will be.

Can anyone elaborate on this please!?... the 30day cooling off period. where can i find info on this?

Shadow - i believe i took the loan out in April or may 2007. will have to check for certain. may i ask why? Az, You have no idea how much it "settles the stress" if i could personally shake your hands right now (all of you) then i would. i feel a million times better already. is it normal to suddenly feel a bit stupid for getting so worked up!? this site is a lifesaver, in so many ways. i will continue to keep you all updated with my situation

thanks guys. i appreciate your speedy assistance. i feel so trapped, and mentally, not in a great place - all because of Mr Hamilton @ A.I.C I will send that letter to him in the morning - as of this thursday i am not going to be around for the best part of two weeks - will i need to speak to A.I.C within that 12day period...?? And is anything stopping them from just calling Lloyds and ask for the correct consumer credit agreement?

I took a loan out with Lloyds TSB, approx 2 years ago, for £14000. I paid back 3700 of it, but, struggled with the repayments, and entered into a repayment agreement of a lowered monthly amount. i have since missed payments and Lloyds have declared it "bad debt" - i am now receiving letters and (numerous) phone calls from Mr Hamilton at A.I.C. demanding full settlement of the outstanding (10k) for a knock-down price of half (5k), or face legal proceedings. I was made redundant last year and now earn a LOT less. I have explained this to them and have spoken to CCCS (i have a counselling session with them tomorrow) and they told me to inform A.I.C of this impending session, and that after i will be in a position to offer an agreed amount. i spoke to Mr Hamilton, told him this, gave him my CCCS reference number, and then today, recieved another, differently worded letter, telling me that its final, unless i pay it all immediately, monthly amounts are going to be taken from my wages, directly through my work, via a court case (and i will have to pay the cost of taking it to court) i do not want the embarrassment of this, and desperately want to avoid my work being made aware. I dont know what to do. I spoke to the CCCS again, and they said to again state to Mr Hamilton @ A.I.C that i will make a suggestion of payment AFTER my counselling session. He is not happy with this, and insists its too late now for any other outcome. i know i owe money, im trying to get help. but i feel like topping myself. any help would be hugely appreciated, and the sooner, the better.