Right have scanned my default notice and the final payment one can someone have a look and tell me if they are indeed invalid and what my next steps are much appreciated!!! (or should i just let cccs handle my case and get all the sh*t that will follow....) http://i980.photobucket.com/albums/ae289/tuvelpit69/dn.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/tn.jpg Thanks in advance..

not yet been too terrified to tell the truth.... mbna have accepted severe hardship etc etc and reduced payments for a while hsbc are well!!!! you know... haven't cca'd or sar'd them yet? but will do now.. if they can't produce the cca does that mean i can get the accounts put into dispute? have two other cards but am not behind on them, am changing accounts soon from hsbc paying off the overdraft so my wife cannot be touched? only that was tying us to the hsbc (apart from mortgage which isn't in arrears..) As long as they can't touch her i'm happy'ish...

i will do that for you sorry am slightly panicky at the moment they said they'd terminated my account on the phone but have never written about it to tell me but will check that just in case have offered them reduced payments etc but they've said it's not enough am in contact with the cccs at the moment

So help me with this how do you know if it's an ivalid dn? i have had two issued to me by two card companies but neither sent me the cca? So does this mean they are invalid? Could someone pm me this as it's very interesting... especially as i've just had a final demand from one for the full amount

Thanks for that! So should i chat to them about a reduced payment cos it says 14 days etc? As i've said my mum has given me some money to get rid of the overdraft which is the only thing that ties my wife to me (apart from mortgage.) credit cards and loans are in my name only. have been advised to close this account because of right to offset? But if i go in today pay the cheque in and ask for forms to close the account will they try and take the money before i cancel the overdraft? and leave us in same situation, can you see what i'm getting at?

Sorry try to do it properly again, have 4 credit cards am behind on 2 of them, Have had health issues both wife and myself, cannot afford the minimum payments that we were paying hence i've fallen behind, the two companies have issued default notices mbna and hsbc, i have requested to lower payments with mbna which they've accepted for time being (severe hardship etc..) just had final demand from hsbc through post just now, have tried talking to them on phone and got nowhere, so letter gives me 14days etc, think i saw similair letter on here? Will phone them up and try and get reduced payments with them, have contacted cccs they went through I&E with me and say i can afford 210 a month ( i wish...) and they would act on my behalf to get this implemented? property is shared ownership so they've got no chance of selling and making their money there, we are shifting accounts now so wife has hers separately from me! but have seen threads about trying to put the account in to dispute ( i do want to pay these debts off but feel they are not going to go for this...) feel terrible and don't know where to go so please help if anyone can? what about an iva could i get that or is it better going to court? get the ccj and only pay what i can afford?

Just some more, is it better for me just to accept what the cccs are saying and to try and get the 4 credit card companies and a little left on my loan to accept the 200 pounds a month they think i can afford, or to try the disputed card way? They've not mentioned an iva to me at present just the dmp route (my mum has given me some money bless her..) to get rid of the overdraft that we have so my wife will have no links to me when hsbc start getting shirty, as they no doubt will, both have issued me default notices etc so as i've said is it worth me trying to dispute etc?

I thought so cccs have told me never to set one up as they will dip into my account whenever they want and take what they want... I have them set up as a bill on my online account, so i can pay whenever i want! They don't have access to this do they? (answering my own question there, because it's just down as a bill i pay whenever i want..) The very charming lady i'm sort of speaking to said borrow from friends and family and they would in no way take money from my account... Mmmmm believe em not.... Am chatting to a guy from cccs later on and will go through expenditure etc and he'll advise me on what to do hopefully... Will let you know how i get on...

HI there sorry have been a bit unwell as of late, there is property but it's shared ownership!!! So no good for the charging order letter they've just sent me (probably to frighten me...) Am very angry about this as i've not refused to pay just can only afford 50 pounds a month!! To each of my 4 cards (have not been issued with a ccj, or final demand, just a default notice...) Now global v (lovely people have stopped calling me...) they want me to set up a direct debit to pay off an amount every month, am very suspicious about letting em have access to my account what should i do?

Hiya! Thanks for that will try the cccs, spoke to my bank the other day can't believe how obnoxious the guy was!!!! Anyway started off i had 700 pounds to spare every month acccording to them ( i wish!!!!) after i went through all incomings and outgoings he still said you've got 300+ to spare which is rubbish, and they refuse to base the payment plan on my basic wage... Cos i do a lot of overtime (which will not last..) they say well you earn this much blah blah... So i said if next month my overtime stops how do i find that extra 400 pounds? Then he said cut down on your houskeeping!!!! i replied so stop buying food for wife and two children? He replied yes i lost it (sorry!!!!) then just said look will have to call you back to his threats of defualt notices payment in full and the bailiffs.... Is he allowed to do that get the dreaded bailiffs in? Again thanks in advance....

Thanks so much for that? i think there's a couple of links to iva companies that do this for free? think i saw them in nationaldebt line uk or cab not sure but will look into them as i've said as long as i doesn't affect my wife i'm happy'ísh, do you have any suggestions as to who i should look at? Many thanks in advance..

Yes that does help thank you!!! Have had a couple of default notices sent in the post with the fact that i'm behind on my payments etc! What exactly can i put into the iva? Only our overdraft is in joint names and all the cards and loans are in my name only.. i don't want this to affect my wifes name or will that happen anyway? Thanks in advance... Again i must say that i'm not trying to avoid paying it's just it's all got too much whilst wife was off with baby etc... but as i've found out the banks bless em don't care....

Hi there! Just joined this brilliant forum!!! Long story short am in debt... 4 credit cards fairly maxed am behind on payments with two of them am in talks with one of them to go for a formal arrangement? the other has already issued me with a default notice!!! Wife has been ill for some time but getting better had to live off one wage for best part of a year, hence the cards (all unsecured.) in my name, only the overdraft is joint name any advice please please on what to do? Have two young children 5months and a four year old live in shared ownership so they can't go after house (hopefully as not enough equity.) All in all am about 28k down any advice for me?