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About peteoaten

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  1. thanks guys, guess it was a bit of a lame question
  2. I wonder if someone could help, I am going to be moving house in a couple months, should i tell Lowell my new address? What i do not want is Lowell trying to get a CCJ and the paper work being sent to old address and me not being able to defend it. The last letter i had from Lowell was that they were giving me until August to send them a financial breakdown of my circumstances, which I of course am not doing, its none of their business.
  3. Thank you for the reply dx100uk. I will await further contact from them and see what their next move is, and post up on here.
  4. Hi all, Looking for a bit of advice if possible. Short overview: - Had a Vanquis debt for 2k from 2010 which up until 2016 i was paying amongst others via debt management company. I cancelled my debt management plan to tackle the debts myself which was effective all except Vanquis i had no contact from until 2 months ago when the debt was sold to Lowell. I sent off a CCA request to Lowell and they sent me a Digital Signature Application which is the same format as the one i have posted below. They also sent a set of Terms and Conditions,
  5. Hmm, dont seem much point in sending a CCA request then surely?
  6. Thanks for reply Andy, no i was talking about sending an offer to the creditors for Full and Final settlement of the debt.
  7. Hi again, Just want to ask what i should do when i get replies if i get replies to my CCA requests. I am not trying to duck out of my debts but i also dont want to be cashcowed by a DCA if the debt is not enforceable. As most of my debt is from 2006 i assume as said above they need to provide a signed agreement. If they cannot produce a signed agreement will this give me good leverage to make a full and final offer? I found a template from Citizens advice i think for a letter where they have to agree to not sell the debt on etc and release you from all liability from the remainder o
  8. I have sent off CRA requests to 1st credit capquest moorcroft and PRA, do the agreements have to be signed? Have read in places on here they do not, and other posts on forum say if the credit was taken out before 2006 they have to produce the signed agreement? thanks
  9. After reading a few posts in the forum, and considering the age of some of my debts and the times they have been passed to and fro, would it be worth sending a CCA to the ones with DCA?
  10. Thanks Andyorch, unfortunately i dint qualify for debt relief. My debts amount to just over 20k at 20.7k. Also, all bills are in wifes name, and the house belongs to the wife also, as she had a mortgage before we married, so that is all in her name also. I pay my wife one lump sum per month towards the cost of everything. My excess income is more than £50 per month. All but 2 of my debts were aquired before i married.
  11. HI, Been with Payplan for 10 years now and my yearly review is now due. However for aslong as i have been with Payplan, paying various montly amounts over the years i just do not feel i am making any headway into my debts. I am considering managing my own DMP but really do not know where to start or even if this would be a wise decision. Payplan have informed me that they no longer think a DMP would be the best solution for me, and indeed in the past they have suggested IVA or Bankrupcy. Not sure i want to go down those lines. Anyway here for a bit of advice and support on how to pro
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