Hi I've been looking through the site trying to find a template of a letter I can send requesting a copy of CCA from my 2 outstanding CC cos. Can someone please point me in the right direction Many thanks

thanks I read some of the details on enforcement action, it seemed to exclude credit issues! Have I miss read the article? Thanks

hi , new to this so here goes. i desperatley need some help advice on my current situation. Firstly before now I had no credit problems, used credit cards alot over the last 20 years, nearly always cleared the balance the next month, no history of missed payements- thats the background. Moved to Spain a few years ago, at the height of the boom, sadly. in very simple terms life in Spain has not been good, low paid work and subsequentlt cc debts have increased always hopeful that work would turn around. Added to this property value has dropped by 40% plus. Due to recent further reduction in income can no longer service cc monthly payments. I have not asked for a copy of the Credit agreement yet, I am talking to family and friends to see if I can come up with a lump sum to offer F&FS. My house is worth less than the mortgage and secured loan to the builder. I have stopped paying monthly payments because I have nothing left each month, in fact its only freinds and family who are helping me monthly. I cannot afford to employ a solicitor and sadly as I no longer live in the UK iva does not appear to be an option The questions Should i be asking for a copy of the credit card agreement? Can a ccj be issued if you no longer live in the uk? If they sell the debt to a DCA in the UK whta will they do? If they sell the debt to a DCA in Spain what can they do? Has anyone had a similar experience, if so what advice can you give from your experience? Any guidance advice would be gratefully received many thanks expat1

Thank You Miss Muppett When I actually write to the cc's should I sign the letter or just print my name at the bottom. Does this make a difference from a legal perspective? Hope this makes sense, thanks

slick sorry just found the letter, should i sign it or just print my name on it thanks

Slick Many thanks for your reply. I was starting to worry that I would not get advice anywhere, really appreciate your thoughts. As I said I am new to forums. I tried to follow your link for the letter requesting a copy of agreement, but sadly could not find it. Can you just tell me where or what i should be looking at on the webpage to find it many thanks

hi , new to this so here goes. i desperatley need some help advice on my current situation. Firstly before now I had no credit problems, used credit cards alot over the last 20 years, nearly always cleared the balance the next month, no history of missed payements- thats the background. Moved to Spain a few years ago, at the height of the boom, sadly. in very simple terms life in Spain has not been good, low paid work and subsequentlt cc debts have increased always hopeful that work would turn around. Added to this property value has dropped by 40% plus. Due to recent further reduction in income can no longer service cc monthly payments. I have not asked for a copy of the Credit agreement yet, I am talking to family and friends to see if I can come up with a lump sum to offer F&FS. My house is worth less than the mortgage and secured loan to the builder. I have stopped paying monthly payments because I have nothing left each month, in fact its only freinds and family who are helping me monthly. I cannot afford to employ a solicitor and sadly as I no longer live in the UK iva does not appear to be an option The questions Should i be asking for a copy of the credit card agreement? Can a ccj be issued if you no longer live in the uk? Has anyone had a similar experience, if so what advice can you give from your experience? Any guidance advice would be gratefully received many thanks expat1

hi , new to this so here goes. i desperatley need some help advice on my current situation. Firstly before now I had no credit problems, used credit cards alot over the last 20 years, nearly always cleared the balance the next month, no history of missed payements- thats the background. Moved to Spain a few years ago, at the height of the boom, sadly. in very simple terms life in Spain has not been good, low paid work and subsequentlt cc debts have increased always hopeful that work would turn around. Added to this property value has dropped by 40% plus. Due to recent further reduction in income can no longer service cc monthly payments. I have not asked for a copy of the Credit agreement yet, I am talking to family and friends to see if I can come up with a lump sum to offer F&FS. My house is worth less than the mortgage and secured loan to the builder. I have stopped paying monthly payments because I have nothing left each month, in fact its only freinds and family who are helping me monthly. I cannot afford to employ a solicitor and sadly as I no longer live in the UK iva does not appear to be an option The questions Should i be asking for a copy of the credit card agreement? Can a ccj be issued if you no longer live in the uk? Has anyone had a similar experience, if so what advice can you give from your experience? Any guidance advice would be gratefully received many thanks expat1

many thanks, as i said i'm new to this, how do you start a new thread? cannot see anywhere on the site for this, many thanks

hi , new to this so here goes. i desperatley need some help advice on my current situation. Firstly before now I had no credit problems, used credit cards alot over the last 20 years, nearly always cleared the balance the next month, no history of missed payements- thats the background. Moved to Spain a few years ago, at the height of the boom, sadly. in very simple terms life in Spain has not been good, low paid work and subsequentlt cc debts have increased always hopeful that work would turn around. Added to this property value has dropped by 40% plus. Due to recent further reduction in income can no longer service cc monthly payments. I have not asked for a copy of the Credit agreement yet, I am talking to family and friends to see if I can come up with a lump sum to offer F&FS. My house is worth less than the mortgage and secured loan to the builder. I have stopped paying monthly payments because I have nothing left each month, in fact its only freinds and family who are helping me monthly. I cannot afford to employ a solicitor and sadly as I no longer live in the UK iva does not appear to be an option The questions Should i be asking for a copy of the credit card agreement? Can a ccj be issued if you no longer live in the uk? Has anyone had a similar experience, if so what advice can you give from your experience? Any guidance advice would be gratefully received many thanks expat1