Thank you so much I will try this! Molly

Hello, thanks for your response guys. I have now received court papers from one of my many credit card companies I owe money to, what shall I do? Offer to pay the £1 still? Fill in my income and expenditure form and hope for the best? Any suggestions would be most welcome! Molly

Hello Been holding off the credit card companies now for nearly 11 months, up to the point where they will not accept £1 even though one of them sent paying in slips, but advised they were not agreeing to the £1 offer. What shall I send them next or am I too late? for court? MollyED

Hello Stopped paying cards and to cut a long story short after taking advise from this website, I offered £1 but they all have refused it. Shall I just wait for the court papers? More than 5 credit card companies chasing me. Sent off for SAR's etc etc, sent Traspass notice etc etc. Done all that, whats next? Please help! Thanks Molly ED

Write this letter to them if they want a signature for authorisation for a CCA or SAR Thank you for your letter dated xx/xx/xxxx the contents of which are noted. In your letter you make reference to requiring my signed authorisation/specimen signature before you comply. I draw your attention to the fact that the Consumer Credit Act 1974 does not require that I supply you a copy of my signature before you comply with my S77/78 request. If it is for Data Protection purposes then I can happily supply you with documentation to substantiate my identity to you. However, please note that to date you have happily sent statements and correspondence containing extensive sensitive private information to my address. I have to ask if you are concerned that you are corresponding with the correct person why has it taken so long to raise this? As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998: 7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data. My request for a true copy of my credit agreement under section 77/78 was made on xx/xx/xxxx and the 12 working days for your compliance expired on xx/xx/xxxx.

Hello Thanks for the advise on banks, I received an application pack from the co-op for a basic account today. Any advise on Capital One asking for the full £11K or they may take legal proceedings or sell the debt, they say someone will be in touch with me soon. Shall I offer a £1? Thats all I can afford. Just worried they might go for my house or something! Any advise would be very much appreciated. MollyED

Hi, they are now demanding full amount and sending my debt to DCA. Shall I send a SAR letter or just offer to pay £1 per month? Molly

Hello, thanks, shall I offer £1 payment then to Viking DCA, is this my next step? Thanks MollyED

It is for £4287.00, I signed up with them back in 2008. Its a PayPal CC. I cant pay anything at the moment, what do you suggest? Thanks for you advise. MollyED

Hello Any help please! Santander issued a Default, sent me a reconsituted agreement (no signature) on my request for the orginal. I then sent off a Letter advising Account In Dispute to which they have now passed my account to Viking DCA, who I now know are their in-house DCA. What's my next step? Please help! Anyone????? MollyED

Yep, sent me a default notice, I asked for the CCA and they sent me a reconstitued one. They sent an I&E form, which I have not filled in and sent back. I cant pay anything. I have missed 4 payments now, what shall I do? Thanks for your help!

Not at the moment. What do you suggest?

Viking have just sent me a letter requesting the FULL amount for a Credit Card Debt of around £5K. Said I have 7 Days to pay in full. I requested a copy of my CCA from Santander who then sent a reconsituted one "AGAIN". Then passed me to Viking who I believe is their in-house DCA. What shall I do not folks? Any advise would be much appreciated.

Just been sent a demand for the full amount on my credit card from Viking DCA. I have asked for my CCA and they sent a reconstitued one, surprise surprise! Any advise on what I do next please? MollyED

Hi, tried to open a Co-op bank account yesterday, just a basic one and got a flat NO. Opened one of those Pre-Paid Card Accounts, anyone any experience? So, now missed just 3 payments and I cant open a bank account, what's the point.... MollyED

Hello Just tried to and they said a flat NO. I took out one of those pre-paid cards, anyone any experience on them? MollyED

Thank you for your support! I have started to eat food that is now healthy instead of all the out of date soon items in the "discount" section.....I will never use credit again, wont get it anyway now. I have missed no more than 3 payments to one card in over 20 years of paying on time. I tried to open a new bank account today and was refused. You are only as good as your last payment folks! MollyED

Just keeping in touch....update PayPal (Santander) the most trouble, get letters every day with "die or default". I have requested 3 times now for a CCA nothing yet, sent off a £1 fee last week then will take the advise and write them a Dispute Letter. Heard nothing from Cap One since a requested a CCA signed after they sent a reconstitued one. Egg, heard nothing at all, and nothing at all from Virgin? just statements with Default sums on. I am doing everything advised, Changed my telephone home number and mobile, Santander advised I MUST send them a valid telephone number, guess what? Just keeping you updated. I have read about the Charging Order, the only thing that worries me! MollyED

I have requested 3 times and sent off a £1 fee, nothing yet? Are we taking months or years? MollyED

Hello Any help appreciated, I have a morgage and around £30K collateral in my house. I have debts of over £30K and currently have my house up for sale. I want to get the money out of my house before a charging order is set on me, how long does it take, other words how long do I have before this can happen? I have not paid my credit cards now for 3 months, got to the stage where they are threatening selling my debt to a DCA (Viking) who I know are part of the Credit Card Companies in house DCA. Any help would be appreciated. Thanks folks! Molly

Hello I too received a letter from Santander advising they are/may be sending my debt to Viking, any advise? Molly

Well, thanks for your help and advice today, I am off to bed and hopefully might have a good nights sleep, I dont feel all on my own. Why didn't those credit card companies ask for a I&E to be filled in before they gave me a £12,000 credit limit. I would never have passed. My own fault too, but as bank do, we all make mistakes and times/circumstances change. Night folks!!

Thanks so much for your help and advice... MollyED

Hello I have requested it but not sent off the £1 fee, so I am going to send a 3rd request off tomorrow with that on the Virgin. Cap One said they would not charge me £1 as a good will gesture but as they sent me out this reconsituted copy they are NOT willing to talk to me about it any further. Can I still demand it if I send them a £1 postal order?

Hi, thanks for that, I have no money left, at the end of each month, I know I cant pay even token payments so I have decided to let them do their worse. Otherwise I will never pay them off. How long does it take if they do take me to court? Maybe I should just become bankrupt, let them make me and then its all over.