ok thanks..

thanks.. and good luck with yours

one more thing... I sent the letter on the 13th... would that make feb 2nd the final day for them to respond by (12 +2 working days?)

ok thanks for your help

this one is actually a loan.. .originally £6k taken out in sept 2007 (I think)... was made redundant early 2009 but was still paying until around aug of 2009 (so paid fully for 2 years) using redundancy money and family help occasionally... got a new job aug 09 (on 3rd of salary that I was originally on) and arranged payment plan with CAB office for all my debts... paid this plan ever since but after an accident at work and moving house am now unemployed again so can't afford this payment any more.

thanks So in response to the letter they sent should I sent account in dispute? Or suggest a payment of £1 a month or something? The 14 days isn't actually up yet

think it worked... that is the letter I got re the lloyds loan CCA request I sent to Moorcroft

moorcroft cca response letter.pdfmoorcroft cca response letter.pdf trying again with the picture thing using PDf.. hope this works!

it's difficult to know what to do so this forum is a great help. I'm not denying the debts either. I borrowed them when i was in a very well paid job and could afford them. I was then made redundant and everything went pear shaped and it's been a hellish couple of years trying to get back to normal. I just don't like being threatened by DCAs as if I'm just someone trying to dodge debts when it was circumstance that made me get into this mess. Alot of the debts is interest and charges too I think. If i just paid back what I borrowed orignally then that wouldn't be so bad. I'm unemployed again now though so can't afford even the payments the CAB set up for me last year and i've been waiting a month for my JSA claim to go through so not got a penny as that is taking ages too

tried that... this forum doesn't allow it until you have 20 posts in threads... which is hard to do when you are new and trying to ask for help..... almost there though

thanks.. will do... I have been reading a lot on this forum but when you are right in the middle of it all it's quite stressful and hard to get your head around everything. Thanks for your help

thought that might work but it's too small to read

once I have 20 posts on the forum i'll be able to get a copy up to show you.. i scanned it deleting my personal details and saved it on imageshack but it won't let me upload on the forum as I don't have enough posts.

Re: the credit card I can't find the original letters. Since the CAB set this up for me a year ago I have since moved house and been unemployed yet again and my paperwork is all over the place. I have been looking for the original letters and stuff from the CAb office but not found them yet regarding this particular card. I knew my credit card number so sent that as the reference. I will see if I can get to the bank this week and work out what the reference I use on the payment is. I haven't missed a payment all year from my CAb arrangement. Re the Loan The court case they refer to in their letter is the McGuffick v The Royal Bank of Scotland plc (2009)..They said the judge ruled "although the Consumer Credit Act may render the agreement unenforceable, the agreement remains a valid and subsisting contract and rights and obligations under it continue to exist".