Just to update you all. On Monday 12th rang them and paid the £600 and they said they would stop eviction, on 13th we received letter from their solicitors confirming this and today we received a letter from NRAM confirming our repayment plan. Phew! To everyone else going through this awful process you have my best wishes, it has been a totally terrible, scary time but if you try and if you take the good advice offered on here then you will come though the other side. Good luck everyone

We have received an eviction notice from NRAM, arrears stood at £3200 but I have made a payment on Friday and reduced them to £2,700. When we received the eviction notice, we rang NRAM, who have made us jump through hoops by sending payslips, bank statements etc. Our monthly payment is £1100 and we have offered to repay arrears with an extra £260 every 4 weeks (I get paid 4 weekly). They have now accepted that they have all the info they need and have agreed the plan, providing we reduce our arrears to two months worth of arrears (A payment of £600), which we can just scrape to. This offer was in a telephone call. My question is this: If we pay the £600 will they actually stop the eviction? As there is nothing in writing, I am concerned that they may play silly buggers and take the cash and then proceed with eviction. Or should I submit an N244 together with I&E sheet, statement of why we have arrears (I was dealing with my father who has terminal cancer and I witnessed a suicide so had mild depression and things just got on top of me). Any help would be much appreciated. And yes I know I am a fool to get into this situation Thank you ina dvance

John, Do not panic, have you sent them a request for a copy of the credit agreement? If not get it off straight away. You have a good chance that it will be unenforceable, all mine were! I have been through what you are going through, many of us have and the best advice I can give you is: 1. Don't panic, the debt collectors will try and scare you into paying but it is rare that they do anymore than write lots of threatening letters. 2. Read up and get the advice on here, it is amazing and kept me and my wife sane. Learn a little about the law, use the template letters and get control. 3. There are people on here much better qualified and with far more experience than me, listen to their advice. 4. Never speak to the debt collectors on the phone, insist that all communication is via letters. 5. They will threaten doorstep collectors. Tell them that you have withdrawn the common law tort and as per OFT guidance, they may only call if you give permission. Happy Christmas to you and yours mate, keep your chin up, and don't let the buggers grind you down!

Early this year we changed bank accounts and sorted out the new Direct Debits. For some reason our water one with Essex & Suffolk water was not collected from our new a/c. We were unaware of this until we received a CCJ letter saying judgement had been entered against my wife (using her maiden name, which she dropped in 1994). We had not received any other letters from Essex & Suffolk water at all. I have immediately paid the water bill in full, but don't see why I should be paying for their solicitor or CCJ, when we knew nothing about it. Do you think we have a valid reason for requesting a set-aside? We have had a letter stating we have paid water bill in full, together with another one saying we owe £110 and stating they will be seeking Court Bailiffs to collect. Now I don't mind paying and can pay this, but being a stubborn git, I just don't see that I should! Is it worth going for set aside or do I simply swallow my pride? Any & all help much appreciated

Thanks for the news, will get on case today with SAR to Halifax. Thanks

No credit care is not ticked, (it's difficult to say for sure with bad photocopy). So I guess this means she had credit care, is that important? Both NOAs say NOA from Halifax to Worst Cruddites

We just found the NOA from Halifax dated July 2009. Assigns debt to 1st Credit Interestingly they have also provided another NOA, this one dated 12/12/2008 When we asked for a copy of the default notice we were told: Previous to our taking over this debt a default was registered by Halifax bank and paperwork sent to you and the credit agencies Experian and Equifax. And then did not provide a copy, is this important?

My wife will be very nervous about doing this, she is a wreck at the moment, her father died last year and this might push her over the edge. Can I represent her if she sign to give authority?

1. About 2 years ago 2. Not sure, how can we find out? 3. No we don't have statements 4. Will not know until we get results of SAR 5. Not sure we got an NOA (Notice of Assignment), will need to check Thanks

WOW! Thanks, I am a fighter by nature and have found the debt collectors to be lower than snakes, so I am up for a fight. Thanks to all of you, we will be raising a glass in your honour tonight. I have already had a good read of the various posts in here, my complaint to the OFT will be going out on Saturday morning, other papers will be sent Special delivery on Tuesday morning. Just to confirm, who do I send what to?

Cheers for replies, card taken out in 1989

Arrived yesterday delivered by courier company. I am guessing that we need to get it set aside? Any help gratefully received. I am more than happy to post docs for perusal, with identifying remarks obscured. We did request a copy of the CCA, and received an application form! Which is described on top as: Your Halifax Visa Card Application Seems to have the prescribed terms but no sign of the terms and conditions. Anyway here is the CCA CCA.pdf Notice that it says on it: "Under the terms of this agreement as set out overleaf" which despite requests they have not supplied. What is next course of action? I am guessing hit them with a SAR, and a reminder that the debt is in dispute? Ask for a copy of the default notice as no record of us receiving one. Then fill in court forms and send them back? (Any need to get affidavit sworn?) As I see it options are: 1. Try to come to an agreement and pay them a monthly amount 2. Go for a set aside Any help would be great!

Thanks everyone as I suspected just a new version of an old threatogram.... I have asked for the T&Cs at time of application. Also requested the Default Notice and notice of assignment..... Card was applied for in mid 90s, and we ran into trouble back in 2006, so not statute expired. Thanks for all your help, you have helped me to relax a bit... ;-)

So working on grounds that it's probably an enforceable agreement, what do you think best plan of action should be?

My gut feeling from reading about prescribed terms is that they are present. However they have not yet supplied a notice of assignment, or copy of any default notice or a statement of account, is that relevant?

Thanks for reply it's £8,000

After requesting and waiting and waiting for a CCA they finally replied with this, which I would welcome guidance as to whether it's enforceable? Yesterday we received a threatogram from worststcredit threatening that they will make my wife bankrupt and we need to contact them immediately. A quick google found that this is something they like to do and that the OFT have warned them about. So any help much appreciated as to whether agreement is enforceable and what we should do next? Regards