Thanks very much Sploits will send this asap. cheers k

Hi ALL, I posted the dispute letter on 31stMarch and since then have had a reply basically saying that my portfolio has been re assigned to a different company.Does this mean I have to send the cca request again to them and start again? cheers k

Letter posted k

Cheers mate, will get on with this now...........thanks for help k

Hi Guys, so i posted off the cca request and have had no reply and i posted it recorded on the 8th march.What is the next step? Do i try to get in touch with them and ask them why? cheers k

Hi guys thanks for the help. I agree it can be confusing but i posted this before i figured the site out so I will stick to this thread then if thats ok .Unless there is any way i can delete this thread and add it to my other one in general debt. Q. If they cannot enforce and it goes into dispute are they able to put a default on my credit score with for eg. experian? As my credit is good now and dont want to spoil it. k

ps Also any idea what they may accept as full and final payment as i read on another thread it may be as little as 5-10% but they have only offered me a 20% reduction which is 80% left to pay? k

Cheers Cerberusalert, i posted the cca today that you told me about in the other thread.So if they cannot produce an enforcable agreement does this mean they would have to take me to court and if so what is the usual outcome? Also what is classed as unfair charges? cheers k

Thanks rebel, i posted another thread in general debt and after i had a reply i posted a cca request today to the solicitors who are controlling the debt.Was not sold any ppi and interest was frozen.The solicitors recently sent me a letter offering 20% off the debt for a full settlement but no way can i afford this.I am waiting for 12 days now to see if they reply so are you saying even if they dont reply in 12 days the debt wont dissappear? cheers k

Thankyou so much Cerberusalert i will follow your link to start off with and have a read. much appreciated. k

Hi all, I am new here so not quite sure what to do please help I have a credit card debt of around £8000 around 10 yrs old now which has been passed on to a a solicitors for collection of the outstanding.I have been paying a minimum payment on it of £5 for yrs as i am on very low income. . I have heard that some of these debts were/are unenforcable. Is this true and if so could anyone help by pointing me in the right direction on what to do to clear the debt? I have read a few threads but my head is buzzing so much i am getting confused. What i am really asking is there any way of clearing this debt? Thanks Kevin.

Hi all, I am new here so not quite sure what to do but will have a go. I have a credit card debt of around £8000 (yorkshire bank) around 10 yrs old now which has been passed on to a debt collector.I have been paying a minimum payment on it . I have heard that some of these debts were/are unenforcable. Is this true and if so could anyone help by pointing me in the right direction on what to do to clear the debt? Thanks Kevin.