I have recently had correspondence with this DCA representing a Lloyd s bank with regards to a loan. I made them a offer of 50% however they did not accept it and have said that I have to pay at least 65%. I have explained that i cannot get that sort of funds and have thus said that i will pay£50 per month. I have paid the 1st payment however after reading a few threads on this site it has been brought to my attention that every time I make a payment the default starts its 6 years all over. I have thought that maybe i should send them a CCA( which if I am correct is a request for the original credit application forms). what would you recommend and can someone please direct me to a template for the CCA. I was thinking of maybe getting them to accept a lower m monthly payment until they accept my full and final offer of 50%. Any advice would be greatly appreciated.

can some please help I wrote this letter to equifax as well as experian ..... RE: Lloyds TSB - (I) / XXXXXXXXxxxx In reviewing the attached credit bureau report issued by your agency, I have detected an error regarding the following account in that it is reported inaccurately. Company Name: Lloyds TSB - (I) /XXXXXXXXxxxx Account Number: (I) / XXXXXXXXxxxx Under the provision set forth in the 1977 Federal Fair Credit Reporting Act, I hereby request your agency to prove to me in writing the accuracy of the reporting of this account. Under the terms of the Act and succeeding court cases, you have 30 days to prove such accuracy or remove the account entirely frommy report. I ask that you do so. You will note that this letter was sent certified mail, and I expect a response within the said 30-day period. Should I not hear promptly from you, I will follow up with whatever action necessary to cause my report to be corrected. Please feel free to call me if you have any questions. My home phone number is xxxxxxxxxxxxx Sincerely, equifax removed the accounts in question due to no response from the companies. however experian responded saying....... that the 30 days period in which to dispute the validity of a debt refers to debt collection agencies in the us and American consumer rights under the federal fair debt collection practices Act and that the legislation does not apply inm the uk and would not be relevent to the compnay that I originally held a debt with. can anyone help me with a new letter to write to experian in which i can dispute accounts on my credit report.

hi there thanks for that advise i have decided to not offer a full and final settlement but unstead write the letter as suggested, i will keep you updated when i get a response from them

I have written to Cabot re a hsbc credit card debit and i requested a copy of my credit agreement and they have responded saying that they are experienciacing a delay in getting it from the original lender they are advising me that the debt is still legally due and that they can still report me to the credit ref agencies. Is this correct, currently there is nothing on my credit Report about this debt, i was thinking about offering a full and final settlement as i am worried that they will now place the debt on my credit file. I wish to know what my next step is...how do i respond to this letter

hi there can someone pllease tell me how do i start a new thread please

hi i sent a letter to equifax to query a default and they have now removed the default due to not hearing from the company, i now need to write the same letter to experian however i cannot seem to find the template for this letter and i have lost the copy of the letter that i sent to equifax. can someone please direct me to the letter template to query a default with the cra

hi there i wrote to equifaxsaying that there was a error with regards to my ames account, last week i got a letter saying that they had removed the the default as they had not heard back from amex. i now wish to work on getting a lloyds tsb default removed can you help me please with a cca letter that i can use please

can you tell we where i can find a template to for subject access request

thanks i have just done the letter and i will be getting it off to them asap. another question iscan one have a default removed if you have partially settled it. and how would i go about doing this.

hi there i to have a loan with amex that moorcroft is dealing with can you help direct me with regards to which letter i need to write to them thanks