Will do, thank you. I'll get the CCA Request for this other one sent tomorrow.

Sorry, just realised it was a Lloyds credit card not a loan.

I have a letter from Carter acknowledging their receipt of my CCA request and saying they would send it on to the creditor. That was in November last year and nothing heard since.

I'm on my work laptop so can't get access to Noodle at the moment as it's blocked, but I can put that info up later when I'm home. From memory: Last payment was late in 2008. Credit card was taken out in 1999. There was PPI and penalty charges on the loan - I can't claim them back surely that's being too cheeky? I thought it was supposed to be the CCA Request first, thank you for answering that, I'll send it off tomorrow. How about my question regarding the CCA request for the other debt that was received by Bryan Carter with their acknowledgement last year - can I now assume that one is gone as they didn't send me anything, including no CCA? Thank you for the help, it really is appreciated.

Thanks for the quick reply. The debt is a Lloyds loan and I last made a payment 5 1/2 years ago and it is on my credit check.

I've recently received a letter from Fredricksons chasing a debt and advising me they may take me to court. I have copies of the Prove It and CCA letters but I'm unsure which one I should send. The debt does exist and is from before my divorce 5 years ago but I haven't acknowledged it or entered into any correspondence with them about it. Additionally, last year I received a letter from Bryan Carter solicitors about another debt and I sent a CCA request to them with the £1 postal order, they acknowledged receipt and said they passed it on to the creditor but I've heard nothing since and certainly didn't receive any CCA - can I now assume that debt is now unenforceable or do I need to do anything more? Any advice is greatly appreciated.

Hi there, hopefully someone here will be able to answer my questions re: guarantors. Background: I am looking to rent a house after starting a new job and moving area. My previous rental was private, through a friend, and I've never had any problems paying the rent for that house or any previous rentals. My problem is that after a very bitter divorce I had to take over the debts of my ex-wife, including defaulted debts, and there is no way that I will now pass a credit check. There were CCJs involved but in her name only, (but as I now pay these I'm not sure how they affect me), and many of the debts I took over that were defaulted I pay monthly through debt collection agencies. I am in a very well-paid job and will have no problem paying any rent, but because of the above I realise I will need a guarantor and my brother is happy to do this. Question: all of the places I've looked at so far have been through estate agents who have invariably informed me that they will charge an admin fee to check my credit. As I know this will come back as 'bad' am I just throwing my money away with them or will they only charge this if and when I agree to take the rental? Also, one estate agent told me that instead of the one-month's rent up front plus a deposit that others have asked for, they will require SIX MONTHS rent up front! So, how legal is this, what will be asked of my brother as a guarantor, and more importantly can I find a place to rent without going through rip-off estate agents? Many thanks.