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About janeywaney

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  1. Thanks for helping. I was using a debt management company for credit cards. The loan with Northern Rock was taken out in my mums name as they wouldnt give me one and I needed the £ for uni. I wouldnt dare fall behind with payments to my mum!! I just thought that as it was taken out in Jan 07 that it may be unenforceable!!
  2. Wow! How exciting!! I'll give that a go and see what comes back. Do I stop making payments to them now then?
  3. Hiya, I looked at the thread: Is My Agreement Enforceable - Useful and it looks like the Northern Rock one IS Enforceable, which is really annoying. Can I still send a letter re: charges if the agreement is for a loan? I'm not sure that this agreement has incurred any charges as I havent missed any payments. Unless I can claim back interest or something like that? Now, that would be nice! Is there a letter template for this request?
  4. Covering letter - Does this mean that I can claim the charges and interest back? I told them years ago that I was struggling with repaying and they only freeze the interest now?
  5. Hi, I sent off my CCA letter to La Redoute (REDCATS) who passed my file over to Droyds debt collection when I fell behind with payments. I have just received the credit agreement and wanted to know if it is unenforecable? I only owe them £242 now and wonder whether or not its worth it? I feel as though I have been paying them back for 100 years!! Thanks PS I have attached the credit agreement (which was never signed by me. not sure how it works for home shopping catalogues)...
  6. Hi Hi, I have section 5 overleaf and I also have replies from a few other creditors. What do i do now? I dont want to leave it too long or they'll think i'm wasting my time and probably just laugh at me! grrr. ta
  7. Whoa, thats massive. Sure you can see now?! Its dated 15th Jan. What do i do now? thanksx
  8. Please let me know if you cant see this. ta
  9. Hiya, I have uploaded to tinypic.com. How do I now send to you to look at? Thanks so much for your help
  10. Hey there, ME again. I have had a response from one of the creditors and i'm not sure what to do. Can you view the attachment? They sent the Agreement and it is dated 18/1/07. Thanks
  11. Thanks for the advise. Thats really helpful. I hope this is relatively quick and painful as i have had so much stress from all these debts to the point of tears on many ocassions!!
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