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London1971 last won the day on February 21

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About London1971

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  1. Fair enough mine was for around 1000 pounds, so a lot less
  2. Yup, I don't disagree, but if you don't ask, you don't get.. Frankly I was amazed that Lowell wrote it off. The law is here to help us, and sometimes it really does.
  3. Er hang on a second. Why would you be paying them anything? No PAP letter has been sent to the OP? It could be years or never before they go for a claim. Why not spend 58p on a stamp send the letter I suggested? Worth that can happen is they say no.
  4. Just to let you know, that I received a CCA from Lowell, that was blurred, just like yours. I wrote to them with this piece of CCA Legislation. https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/422707/bis-10-1053-consumer-credit-directive-guidance.pdf 17.33 The agreement must be in writing and must contain the specified information. This must be clear and concise, and must be easily legible and of a colour which is readily distinguishable from the background medium. I just qouted them the above legislation, and told them what they had sent me was illegible, and as a result unenforceable. They wrote it off and removed it from my credit file. I know letter tennis isn't recommended on this site, but it worked for me !
  5. Kwasi Kwarteng, a junior Brexit minister, is responding. He is summarising what was agreed last night. (See 8.01am.) He says Theresa May has said it would be “quite wrong” for the UK to participate in the European elections (which would be necessary if the UK wants to remain in the EU beyond 22 May.) Her language is subtly changing. 'Quite Wrong not = to 'Ruling out'
  6. If it reaches 17 million, it will still be ignored. Prime minister has a choice between plunging a country into an unknown amount of economic chaos, or holding some elections on May 23rd ? It's almost inconceivable that a rational or sane leader would choose option 1.
  7. If it reached 17 million she wouldn't take notice. Despite nearly every business leader, world leader and economist agreeing that Brexit is bad. Millions of people are still shrieking for a no deal. Why would Leadsom be any different.
  8. The poo is now hitting the fan. It's 40 years of the Tory civil war on Europe erupting into one final battle.
  9. If, and it's a really really big if, they come up with something then come back and show it on this thread, there are people who will be able to tell you if it's enforceable. For the record, Capquest took about 8 months to come back with an agreement for me, that was 18 months ago. The debt is now statute barred, it just goes to show that even if they have paperwork often they won't take any action.
  10. DCA has no right to ask for a statement of means. You have stopped paying them, in a few months there will be nothing on your banks statements to indicate you are paying them. It's off your credit file, and if they can't come up with a CCA it's not even enforceable.
  11. In terms of a mortgage are the debts showing on your credit file still?
  12. Or, maybe, logic dictates that there is a better than 50% chance of getting the deal through, in 3 months. If there is no extension now there is 100% chance of crashing out with no deal. If she asks for a longer extension then there is a 100% chance of the Conservative party falling apart and her being replaced (by a hard Brexiteer).
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