Hi All, Any updates on any of these cases I am now being chased by Balkish for debt that is 12 years old and with interest is approx. x10 of the original debt

Hi All, Any updates on any of these cases I am now being chased by Balkish for debt that is 12 years old and with interest is approx. x10 of the original debt

Quick one should I use the normal letter kicking around here to request CCA or as my agreement is Post 2006 are there different rules.

Hi yes thanks cca and dsar was my next step just thought I would post this first, though as it is only the copy they sent me before I sent it not sure if it is has any value as a legal document. One thing I wondered about it the fact that my payments on the agreement are actually to low. 6k at 30.3% actually comes out at I think 215 per month not 204 and also 204 x 48 = 9799.20 not 9007.20. not sure I am going to be able to pay this months (thats how I ended up on here, looking to see what would happen) its not due till the end of the month, ill leave the dd for the time being and see how it goes. Guess I need to get the CCA from them and confirm that all matches. Assuming the CCA that comes from them has the same figures on it then does that mean its not enforceable. Thanks in advance

HI All, This has been a very interesting few days reading. I have a loan with Welcome it was a re-loan taken out approx May 2007. Could someone please take a look at it and tell me if it is correct, this is the only paperwork i have from them it was done over the phone with the head office. I note there is no date or signature from them on it and also I don't believe the figures are correct. I have missed in total 2 payments over the last couple of years and I have been paying 230 per month for a while to catch up on the missed payments. I would be very grateful for any advise.