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About mvd

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  1. Hi, I need a bit of advice. I have obtained a secured loan against a property for the purpose of sorting out my credit score and also primarily for home improvements. They have requested balances of all my creditors and a lot of them defaulted in 2010 as the recession knocked me. I sent them these balances and then someone on here mentioned to CCA all the creditors. The loan completed and I ended up with 20k+ worth of cheques and the balance in my account. I phoned them and asked if they will amend the cheques which they agreed to. Then when I wanted to do it they resisted and I had to
  2. Awesome thanks! You are going to like the Amex one I am going to upload even more!
  3. Thanks guys. What if they contact me? what do I say?
  4. That's all they sent. So what's the next step?
  5. I am not about avoiding it! an if I do who cares, they lent the money(unsecured investment) which didn't pay off. So on the one thread everyone say CCA them...
  6. Banks caused the recession which directly affected me. So I am now looking after number one only!
  7. I kno that. The question is whether I have to pay it or not....
  8. I sorted the attachment! Thanks! I paid the debt for the last 6 years with Payplan however I stopped payplan a few months ago! It defaulted February 2011 so will drop off next year. Now the aim is to fix my credit score, so that I dontget fleeced on interest rates anymore. It was for a credit card and there is 5k left. Its managed by Apex.
  9. Sorry uploaded the wrong one! Fixed! Thanks for spotting it. Halifax agreement Page 2.pdf Halifax agreement Page 1.pdf
  10. This is what I got in response of a CCA request. took it out in 2005. There is a 5k balance and want to know if its enforceable. Thanks
  11. Hi all, I have send a request and got this agreement back. Can someone please tell me if its enforceable? and if so or not what is the next steps? Is there anywhere a guide on what to look for when its enforceable? Thanks a lot! Halifax agreement Page 1.pdf
  12. on another note I am going to CCA the others. There are a few defaults with more recent dates. Can I ask them for a copy of the default letter as well in the CCA request?
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