A deed off assignment is a document where the a company has bought a debt from another company and contains signatures and the name of the original debtor. It does not contain information from other peoples or company debts. A company might have bought a portfolio of debts from a certain company but they would be all individual deeds.

Hi there, I have recieved alot of default notices and are under a management plan of a low monthly payment with no interest. However, since they sold it to Experto Credite in June 2009 my direct debit has been cancelled and i have not made any payment since then. Cheers

Thanks debt4get. Much appreciated. Will send off tomorrow. Regards Darren.

Hi Guys, i sent in the above recommended letter. I have now recieved an information pack (after several months of requesting) from Alliance and Leicester. They have enclosed poor photocopies of the following... 1. A copy of a recent statement 2. Frequently asked questions sheet 3. Five pages of The credit card terms of agreement (in very small print). 4. A page with a ticked box stating Executed by Jonathon Back (Director) on behalf of MBNA with Date of signature 1/3/2006. NOTHING ELSE, and certainly no signature Just a remaining blank page. Its obvious there is no signed contract of a credit agreement in place or they have lost it. What should i do now? Please advise. daz

Thanks Scot will get onto it right away. Daz.

Hi could i have some advice please from all you experts. I sent in the 1st letter template letter and £1.00 postal order to A & L on 11th April, 2009 asking for a true copy of the credit agreement. I never recieved any acknowledgement or credit agreement from them. I then sent in the 2nd letter on 4th May, 2009 ie "You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account,"They still never replied. On the 15th July, 2009 i sent copies of all the letters to MBNA Europe Bank Limited. I still never heard anything from them. On the 4th August, i recieved a letter from a company called Experto Credite Limited, saying they have bought my account from MBNA Europe Bank Ltd including the outstanding balance, and they are now the legal owner of the account. They say my account is registered at the Credit Bureau Ltd and shows a defaulted amount. The letter tells me to contact them to discuss my options and all future corrspodence are to be discussed or addressed to them. Alliance & leicester have already cancelled the direct debit payment arrangment so no payments have been made since June,2009. What should i do now ??? I think this is a clever tactic by A & L as a get out of sending me a credit agreement and to pass the buck as any easy cop out. Should i contact this company or just ignor them untill they provide the true copy of the credit card agreement?? I am at a loss of what to do about this predicament. Please help! Daz.

BUMP !! Any suggestions on what i should do having recieved this letter???

Hi there, recieved this letter from Mint, this morning. It is in reply to the dispute letter that was to them a few weeks ago. Looks like its a standard generated template letter they have pulled off the computer. It is though it is addressed to a legal representative on my behalf , me being the client. Would like to invite your comments. Should i just ignor it or reply to it. Thanks guys.

Hi there, recieved this letter from Mint, this morning. It is in reply to the dispute letter that was to them a few weeks ago. Looks like its a standard generated template letter they have pulled off the computer. It is though it is addressed to a legal representative on my behalf , me being the client. Would like to invite your comments. Should i just ignor it or reply to it. Thanks guys.

Hi there, recieved this letter from Mint, this morning. It is in reply to the dispute letter that was to them a few weeks ago. Looks like its a standard generated template letter they have pulled off the computer. It is though it is addressed to a legal representative on my behalf , me being the client. Would like to invite your comments. Should i just ignor it or reply to it. Thanks guys. EDIT

Thanks babybear for your help.

HI THERE. CAN ANY ONE EXPLAIN THE FOLLOWING HIGHLIGHTED POINTS IN THE DISPUTE LETTER... I require all correspondence in writing from here on; any persistent attempts to contact me by phone will be reported to trading standards. 1. HOW DO YOU GO ABOUT REPORTING A COMPANY TO THE TRADING STANDARDS? 2. ON WHAT GROUNDS ARE THESE SO THAT THEY CAN THEY BE REPORTED? 3. WHAT IS THE PROCEDURE? 4. WHAT TIME SCALE DO YOU REPORT THE COMPANY TO THE TRADING STANDARDS? Should you ignore this request I will report you to the Office of Fair Trading to consider your suitability to hold a credit licence in addition to a complaint to Trading Standards, as you will be in breach of the Administration of Justice Act 1970 section 40. 1. What request are they actually ignoring? 2. How do you go about reporting the company to the Office of Fair Trading to consider their suitability to hold a credit licence. 3. At what time scale do you report the company to the Office of Fair Trading? 4. What is the Admin of Justice Act? 5. How do you report the breach of the Admin of Justice Act 1970 section 40 to Trading Standards. 6. When should they be reported to the Trading Standards? Would be grateful for all comments and explanations. Thank you in advance. Regards Darren.

Can anyone help me? The above credit card agreement was sent to me from Egg and i would like to know if it is unenforceable or not and should i send in the dispute letter. Thank you. Darren.

The other part is as follows...

HI ALL, RECIEVED FROM EGG TODAY THIS LETTER AND SIGNED CREDIT AGREEMENT, AS WELL AS A LOAD OF OTHER MATERIAL CONTAINING THE TERMS AND CONDITIONS. IT HAS BEEN OVER 2 WEEKS AFTER THE 12+2 DAY AND REMINDER LETTERS WERE SENT. SEE BELOW... PLEASE CHECK AND SHOULD I SEND THEM THE DISPUTE LETTER..

This statement from Martins advice What you get. It’s not about money back, but not needing to pay the debt. We’ve asked many claims handlers for evidence, and of the few proven successes, most are for limited settlements, or an agreement not to pursue debts, though that ruins your credit score. It says there is only a few proven successes, most are for limited settle ments. Does that mean we dont stand a great chance of having debts wiped out?

I HAVE JUST READ THIS ON THE LATEST MONEY SAVING EXPERT MARTINS TIPS LATEST EMAIL... It reads as follows.. Heard the ads? Can you really cancel old loans/get credit card debts wiped out? The airwaves are plagued with claims companies promising to wipe out pre-April 2007 debts by exploiting Consumer Credit Act loopholes. Alongside another major consumer group, for months we’ve been working on a full guide to expose the myths & reality. The legal issues mean we’re not there yet, but my mailbag’s now so big on this, here’s a brief provisional synopsis. The legal premise. It’s argued if lenders can’t produce a credit agreement or made admin errors, eg, omitting a key term like the APR, the debt can be wiped. This is not universally accepted, and there’s only limited evidence of success. What you get. It’s not about money back, but not needing to pay the debt. We’ve asked many claims handlers for evidence, and of the few proven successes, most are for limited settlements, or an agreement not to pursue debts, though that ruins your credit score. DON’T pay upfront. Some of the most vigorous marketing and exaggerated promises are from companies asking for £100s upfront. Personally, I wouldn’t go near them. If you feel you have a case, try a no-win, no fee handler only if they take a max 25% of the written-off debt. Is it moral? If people have been missold loans, eg, wrongly forced to take out PPI insurance (see PPI reclaiming), fair enough. Yet wider reclaiming based on a technicality when someone’s chosen to borrow cash is more questionable. What the courts say. A Chester County Court Judge is currently considering suspending all his cases pending results of some prospective High Court test cases (see Court credit hold news story). Some believe it’d mean all similar claims go on hold, though non-court negotiation would still take place. I INVITE ANY COMMENTS ON MARTINS STATEMENT!!!

Ok just to recap. I will send the dispute letters to Mint and Co-Op. They obviously have not complied with the correct Credit agreement procedure and Consumer credit act 1974. As the agreement is now unenforceable does this mean that the debt is now written off as far as i am concerned, and i dont have to pay them a single penny anymore?? Should i cancel my standing orders even though i am currently on a debt management scheme and only pay an agreed £8.00 a month to Mint (balance approx £2500) and £30.00 to Co-Op (balance approx £9,500). They have been fairly lenient in this regard as before i was paying over £200 per month for these two debtors. Also as you are aware in the earlier part of the thread i have still not recieved a copy of the credit agreement from the other two creditors ie both Alliance & Leicester and Egg. I have already sent in the appropriate template letters. Do i just sit and wait and cancel the standing orders or shall i continue paying. I currently pay £3.00 per month to Egg (balance £3500) and £15 per month to A&L (balance £4500) as i am under the management scheme. 8)

The other other information the C0-OP and Mint sent does contain the terms and conditions, repayments etc.although not on the signed document.

Also recieved this letter and contract from Co-operative

Hi here is the letter and contract i recieved from Mint, a few days after 12+2 days deadline. Hope you can read it ok.

[/url]Hi here is a the letter and contract that i recieved from Mint, just past the 12 + 2 day deadline.

recieved a letter and copy of the Co-operative CCA. Has my signature at the bottom of the contract but not theres. Finding it difficult to obtain a scanner to scan the letters and CCA and post them on here. Any suggestions?

Yeah good advice, i will borrow my moms. Good old moms hey!

I have recieved a letter from Mint this morning as follows.. Thankyou for your letter dated 11th April, 2009, which was recieved by our office on the 15th april 2009. The letter goes on to say that they were oblidged to provide me with a true copy of the credit agreement and statement of financial information relating to the account, namely, the state of the account, amount currently due, with amounts of due dates of future payments that still require to be made. In terms of CCA copy document regulations, the true copy requirement can be satisfied by providing a copy agreement at the date the card agreement was made and providing that plus a copy of the current terms of the card agreement. They have enclosed the s78 (1) information. With regard to the request for a statement of account, they have enclosed the most recent available statement for the above account. Should you require duplicate statements of your account prior to this date, please contact me accordingly and i will advise you of the cost for these. Thats the main body of the letter. Included in this letter that have sent the copy.. of the signed original credit agreement from Mint this morning. It only contains my signature at the bottom of the agreement not theirs and is dated 17/01.05. They have sent me a copy of their terms of agreement regulated by the Consumer credit Act 1974 ie rate of interest, credit limits, advances, keeping you informed, declaration and autorisation, right to cancel, loss or misuse of card etc,, They have also included standard leaflet of the general conditions, and copy of an up to date statement for April 2009. Is this correct and have they fulfilled there obligations? Is this the end of the road? as regards Mint, one of my 4 creditors. Please someone advise.