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Ruddockus

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About Ruddockus

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  1. Hi There, Been playing games with MBNA for months now on CCA etc and they passed onto PRA Group to chase, they have come back now and said the application was done digitally! Not sure where I stand now or what I can do? Thank you in advance for your help. Regards Steve H
  2. Hi There, Do you mean upload what they have sent me? How do i do that?
  3. Hi There, Should I just stop paying them the £50 a month and let them sell to a DCA then, and then tell them they cant take me to court as they have no agreement? Regards
  4. Hi There, This is direct with Barclaycard. Am i right in thinking that without an agreement they cant take me to court?
  5. Hi There, Not posted for a long time, but here goes! Owe Barclaycard £9000 and have sent them a CCA, they have replied with a letter sending me a copy of the agreement but not signed by me. They are saying the account is not in dispute because of any delay in providing your copy documents as section 78 (6) (b) was repelled on the 31st May 2008. It is now no longer an offence for a creditor to fail to comply with s78 (6) for more than one month. What is my best plan of action now. Thank you in advance for your replies. Steve H
  6. Hi There, All going well thanks for the excellent advice. Im having a slight problem with V12 retail finance, I owe them £420 for a TV and was paying £50 a month and have offered them £15 which they have rejected. They want to see my bank accounts that I am reluctant to show them as in comparison to what I owe others their amount is peanuts. Shall I send them a cheque for £15 each month and be done with it? Thanks in advance
  7. Hi There, Just opened my mail and got a default notice from Barclaycard for late payment and the same from Secure trust bank, no mention of my letter I have sent them. Shall I wait for them to acknowledge my letter or send them another one, if another one what shall I out in it? Regards Steve
  8. Hi There, Received some more letters from my creditors as follows: Hitachi: Have asked to see what I owe other people and how much I intend to pay them from my outstanding £208 per month. Nationwide: Have stopped collections on my account for the next 30 days to give me some breathing space, however, I need to get in touch with them in the next 30 days to let them know how ill be repaying the debt, Capital One: Say before they can agree a payment plan with me they need to discuss it with me and have found talking to customers directly is the best approach. Would be nice for you guy to let me know the best way to approach each one, is it just send them letters with offers or ignore or what? Thank you so much for your help, without this forum id have no hope. Regards Steve
  9. HI Dx, I can afford £42 and it keeps them off my back as welll! So ill pay them and go from there. Thanks for your excellent advice.
  10. Hi dx100UK, Thanks for the really quick response. Was wondering if im better off waiting to get agreements in place with everyone to make sure their all happy and it is put to bed before I start paying in case someone just says no!? Regards
  11. Hi All, Got a letter from MBNA saying they will freeze everything etc and I can pay £42 per month (balance is £7600) they will default me but thats it. What do I do just pay it or send a letter saying I agree to pay and send them the money? Thanks as usual!!
  12. Hi All, I sent the letters a week ago and received only 1 reply. Im not in arrears yet but will be in the next few days. Nationwide have tried calling me but I have just ignored them is that the right thing to do? Thanks again for all the help.
  13. Ok, I did look at them yesterday. Ill send one to each lender recorded delivery right! Thanks again for your help.
  14. Hi There, We are only putting our second set of accounts in now so its unlikely that they would allow me to remortgage. I just need to get the payments down to around £300 a month, I dont care how long it takes to pay them off i just need some breathing space. What is the best way to do it, divide the money on a pro rata basis? and then send them the letters offering them the cash? Ive been diagnosed with depression and anxiety as a a result of all this, do i mention this to the lenders? Thanks all for the help is has made me feel much better.
  15. Hi There, Thanks for that. I have not even given them an idea that I have any problems as yet. Shall I send them all the letter and just not pay until After Christmas? Thanks again you have been a great help. Regards
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