thanks for your replies. i haven't sent any cca requests . the threads from before were debt for my wife mostly and i never thought i'd be in this position again but i am . thanks could someone guide me to the template letters . can't seem to find them . i know they used to be on here but can't find them anywhere. thanks

hi i'm in a lot of debt and have been struggling for a long time juggling debts. it's come to a point now that i can't cope. i've been paying what i can afford but it's nowhere near what i'm supposed to pay. i'm in two minds whether to go for an iva but was wondering if i could offer a lump sum as final payment to the creditors . i can get money from my pension but it's only half of what i owe . i've only been paying minimum payments for years but now with all this covid and other things going on the last three months i've only been able to pay what i can afford . would it be a good idea to offer a final payment in hope they will accept it. all the debt is with credit cards thanks in advance.

ok will do as advised .thank you for your advice .will let you know how it goes. thanks dazza

hi . its a local gym called physique gym in bridgend south wales. the first payment i payed by debit card and the other 11 months i paid by direct debit i didn't write to the to cancel or phone i just thought because 12 months had finished i could stop the direct debit . the direct debit was paid around the beginning of the month. maybe i was a bit silly not informing them but i didn't have any contract to go by or terms and conditions . the terms on their website don't state anything about payments . thanks dazza

thanks for the replies . i didn't receive anything from the gym in the way of contract/terms and conditions . i filled in bank details for standing order and that was about it. i just stopped the standing order after 12 months was up. haven't a clue what the terms and conditions of the gym are . what is my next step ? should i just wait for their reply or send a different letter than just the one i sent asking for a signed copy of the agreement which i know they won't have. thanks again dazza

Hi,haven't posted in here for a long time I joined a gym back last year and the 12 month deadline was up in april this year . I received a letter from the gym stating i owed them money after the 12 months . I replied asking them for a signed copy of the agreement/contract which I know I haven't signed one . Now i've had a letter from Daniel Silverman debt collectors saying I owe a lot more money . Wrote to them saying the same about sending me a signed agreement so just waiting for a reply. Just wondering if there's any advice on what they would normally do and if anybody has had dealings through a gym with these people before Thanks Dazza

thank you for the replies. i will send the letters off and await their reply. thanx again dazza

hi again. received credit report today.nothing on it at all about the debt in question . should i send the letter that was posted earlier now?its easy for them to say that a payment was made. reading throught the posts global debt recovery next step could be to threaten my partner with taking her to court. do they have to produce the evidence before court proceedings or not? thanx again dazza

ok thanx. wiill get back when i receive the credit report. dazza

just looked at noddle credit file and it doesn't show anything on there but not sure about noddle as it doesn.t really show anything. my partner hasn't got hardly any financial things apart from her current acount. it shows her current account but nothing else. i have sent off to the other credit reference agencies so wil have a better idea then. will get back as soon as i hear from them. shall i send the above letter now or wait for the result of the credit file? thanx dazza

ok thanx. just signed up with noddle and sent off for other CRA files. waiting for a pin code from nodle to view credit report. thanx dazza

hi thanx for the replies. we haven't got recent credit file history as yet but will send for them immediatley. we do have credit files from 2008 and the debt is on there we think . if its the same debt that global are talking about. the amounts are the same but on the file its with Intrum justitia. its from 2003 on the credit file and showing defaulted in january 2003. my partner doesn't know who the debt is originally with. the letter above looks excellent and i will send that off straight away. thanx again dazza

hi all. i haven't posted for a while but my partner has had a letter from global debt recovery claiming she owes £130. I sent off the statute barred letter as this debt is well over 6 years old and my partner can say 100% she has not made any payments in that time. Global sent a letter back saying that it can't be disputed as statute barred as there was a payment made on 10th aug 2007 .this is rubbish and they are lying. there has definitely been no payment whatsoever as I deal with the debt for myself and her. can someone please advise on the next step as they seem to be trying scare tactics. thanx Dazza

hi thanx for the reply.yes the interest has been frozen.not sure about charges etc.will find out and get back with that.will have a look at the links you gave.thanx again for your help. dazza

hi again. my mother has made an agreement to pay capital one £75 a month and they will review it after 6 months.she couldn't handle the stress of having phone calls and letters so she made an agreement .it was obvious that the son in law wasn't going to pay anything .she is in the process of moving to a smaller house and will make a bit of profit on the sale.she wants to pay off her card when she sells .would it be worth her while to offer capital one a reduced final figure?it is so annoying that the son in law and my sister have put her in this situation and can walk away scot free but thats how it looks.would love some advice on what is the best thing to do as my mother is too old to have people chasing her for debt. thanx for any advice you can give. dazza

ok thanx for the advice.will pass it on.

hi. thanx for the replies.£11000 is the right amount on the card.i dont understand the part about small claims court.can my mother claim off son in law for the amount owing?the thing is he says he is going to pay the card but already its in arrears of approx £500 and he is in arrears with his mortgage so in my opinion he would be a fool to pay the card instead of the mortgage.i will pass on the advice to my mother . thanx all dazza

hi. my mother put my sisters husband as an additional card holder on her capital one account as he couldn't get a card due to bad credit.in fairness he has never had bad credit and has always earned a lot of money but somehow he has had bad luck workwise and been a bit foolish with his money. anyway my mother added him to her account as he needs a card for his work(supposedly)and now he has run the card up to its maximum of £11000. he hasn't kept up with the monthly payments and capital one are chasing my mother for the debt.he is also in the middle of a divorce from my sister which adds worry to my mother also. capital one have been phoning my mother and asking for £500 which are the arrears. my mother is 66 years old and is worried sick as she has never been in debt in her life. just wondered what the best move is. she knows she's been a bit daft and is liable for the debt but would like some advice on what to do next. thanx dazza

hi. i,ve received a letter from tnc collections.i attended college last year and the course fee was £500 and something.i paid two thirds of it but didn't complete the course due to circumstances.on the contract it does state that if the course isn't completed then the fees have still got to be paid. i think this is a bit much considering i didn't use any of the materials on the course(it was a plumbing course).i bought all my own books etc.i only did 2 mths into the course so in my eyes i have paid enough. just thought i would get advice before settling the amount as i think its a con as i haven't borrowed any money in the first place. hope you can help. thanx dazza.

am i right in saying that they haven't supplied us with a statement of account as asked for in the cca.is it the statement of account that shows the charges that have been added and the payments on the card.sorry again for sounding clueless. frustratingly worried that noone seems to be giving advice. hope someone can help. thanx dazza

getting a bit worried now as noone seems to be able to offer any advice . don't know what to do next and am just waiting for capquest to start with their court proceedings again.if anybody has any suggestions it would be great.thanx. dazza

we had a court claim before xmas from capquest .sent off a defence .sent off two cpr letters .they didn't reply to any of the letters.that was back in nov 2008.phoned court about a fortnight ago and was told that it was stayed.the court told my partner that it would automatically be stayed if capquest didn't do anything.they also said that capquest now have to go in front of a judge to proceed with whatever they are going to do with the claim.and they have to pay £40. hope you can help dazza

Copy of Credit Agreement,Terms and Conditions of Agreement and Notice of Assignment. to be honest i don't know what they suppose to look like so wouldn't know if they are genuine.posted them on here but no advice on what to do next. just waiting now for capquest to send some more demands . would it be worth sending SAR to see if there have been any charges added etc? thnx dazza

don't know what you mean by posted links.links to what?

ok cheers. dazza