please please can i get a second opinion on my agreement as i am going to be unable to make further current rate payment and Direct Line have confirmed they cannot extend/vary repayment terms. DD cancelled at bank as i cannot afford the o/d charge either. i have sent a hybrid cca, debt validation req and dpa to the group cfo via recorded delivery - the time limit for which has now expired. i have already recieved a threatening chaser to which i replied (rec del) confirming my position with regards the group cfo's anticipated response. i have since been called by DL although i was not available to talk. please can someone help as this is the first ever default of my life and is totally down to the current financial mess created by gov't and bankers thanks in anticipation

I have a CCA request letter printed out - just lacking a little bottle to actually send it! Could really do with some encouragement (or the opposite) so please can I get some more points of view from those with the experience. Thanks

Please can some kind soul shed a little light on the legality of my contract

thanks for the advice - here are links: http://i875.photobucket.com/albums/ab315/hard_times_ahead/DL2_P_1.jpg http://i875.photobucket.com/albums/ab315/hard_times_ahead/DL_AF_P_1.jpg http://i875.photobucket.com/albums/ab315/hard_times_ahead/DL_AF_P_1_2.jpg

Hello all, totally new to this site but am very impressed with what is going on here. As my username suggests I'm up against some hard times ahead and am going to struggle to continue paying off loans and credit card bills until things pick up. I have a loan with RBoS (Direct Line), originally for the sum of £12,500 over 5 years taken out 21/04/2006 - the current balance is £2387.60. I did not take out Insurance. I would like to know if this agreement is enforceable. Any help would be greatly appreciated. I have attached the Confirmation Letter and Agreement (both sides) but if someone could advise on how to upload them better we may move on a bit quicker! (Attachments now removed but added to Photobucket - please see post below) Thanks in advance.