Hello everyone, I've been reading threads so I understand a bit (or think I do) but want to make sure I'm not mistaken. I have a UK credit card debt which, due to a down turn in circumstances, I don't think I am going to be able to repay. Until now, I made every payment. I have been living in South America for many years, but still have my UK credit card. Soon I'm off somewhere else, closing the business I have here. Although I will be back from time to time. I won't be going to Europe - too expensive. I'll probably be a bit of a nomad for a while as I'm trying to set up an business online.I won't be back living back in the UK again unless I have some sort of debilitating accident. The debt is less than ten thousand pounds. I last made a purchase with the card a few days ago. I don't want the merchant to be stiffed. Should I make another payment to "acknowledge" the debt so that this merchant doesn't get a charge back? I believe that a CCJ can't be issued against me (long time since I lived in the UK). The card company, I guess, will sell the debt and a DCA will come after me. I understand that the debt can't be enforced after 6 years. I have a couple of thousand pounds in one of the channel Island banks. Can the credit card company, or the DCA they use, grab that? What are the consequences of me not repaying this debt? Do I get published on some list of ne'er-do-wells? Do I come up as a rogue on internet searches? The card company is having financial difficulties at the moment. I won't mention the name, because I guess DCAs fish here, but you can guess. All the debt will be sold on whatever happens, so i guess that makes no difference.

Hello, read a few bits of good advice on this site but i require some further clarification. I currently owe wonga £550 due on the 12th april. I will have just enough to pay this on my payday 12th but this would obviously leave me with almost absolutely £0 to survive for a month thus forcing me to get another payday loan (which i dont want to do) because everytime i do it becomes more and more. I have contacted wonga and told them it isnt viable for me to pay it off in one, the man on the phone suggested to me that 3 days before the money was due, set up a payment plan from the my account section of wonga. My only apprehension about this is any damage to my credit rating (would they mark this as a default on the loan? and how badly would that affect me in the future?) I do have another option avaliable, which would be to repay the loan in full then live off a tesco credit card with 21.9% apr, hopefully someone can give me abit of advice on the matter, it would be much appreciated!

Hi all. I posted last year on getting advice for PPI claim against Nationwide credit card and was successful last May/June. I got a letter saying the money would be refunded to the card so was very happy, the agreed limit on the card was £1900 so I was relieved to think that I had it available as an emergency source of funds. I also after accepting the amount offered asked for a replacement pin as hadn't used it in awhile and forgot it.The day after I did this I logged into online banking to see my accounts etc and noticed that when the refunded amount was credited back to the credit card my Credit Limit Amount was reduced to just £500. I had not been told of this and found it highly convenient timing on their part, so I contacted the card services team, who assured me they had the right too do this and that it was "mere coincidence" I asked why it hadn't been notified of this prior to my PPI claim, to which I finally got a letter later in June saying that as responsible lenders they "reguarlarly review customer's limits and that the decision to lower mine was to help me manage my borrowing". I also during the conversation asked once again how convienantly the card wouldn't work online or with the pin number I had been sent out after the refunded amount was credited back to be told that was an actual BLOCK on the account and I had to send them some financial information. I explained that if they could put it in writing exactly what I needed to do I would then send them the information. I never heard anything and recently I had my latest statement through and I owe a current balance of under £4.00 and it for some reason triggered me that I hadn't ever heard from them, so I sent a message via online account to card services. I then got a phone call asking what my concerns were etc, etc, so I went through it all again and the next day got a confirmation call telling me that she had looked into it and that they would send me a "copy" of the correspondance in the letter to me about the block. The letter dated 12th Feb had NO copy of this alledged letter and states that the" block was placed on the account when a claim was made on your PPI policy in 2009" !! This made me puzzled as I was sure I had used the card since 2009, and having checked a couple statements I did indeed use the card on 6th April 2010 for £172.63. How would this have been possibke with the BLOCK being on the account, as I cant use it now??!!! I am self-employed so have been asked to provide 3 months bank statements, but before doing so wanted to check that they can actually do this?!! It all seems very convenient timing as prior to my 2012 PPI claim on the card I was never told of any block, or even had the credit limit reduced whilst it was near maximum, then I win a case and have trouble. Sorry for the long story but not sure where I stand, so advice greatly appreciated.

Hi All...Here's my story... I have become jobless due to a my visa expiring. I am now in the process of applying for a new fiance visa and was advised by home office am not allowed to get any job. Since I cant get a job I have been using my credit card to live off (stupid but got no choice). My partner is not aware of this and dont want to add up to his own problems. I have now £10k in credit card debt, all from Barclaycard. I have my bank account with them too. If I default on them and offer a final settlement or payment plan will they be able to do anything about my mortgage(mortgage is less than a year)? what would be the best course of action? Im so tempted to just get it on default and wait for 6years(i know morally its wrong but these are banks we're talking about.. ...) I would appreciate any advice...thank you in advance.

After having a look at my options I've decided to let my creditors default my accounts and then come to some sort of arrangement to pay. I have catalogue, store card, PDLs and credit cards. I'm wondering how long it usually takes for them to actually default you? I want to get things sorted but definitely want my credit file recorded with those defaults first so that the 6 years start ASAP.

Hi all, I'm brand new to this forum & wondered if RBS Advanta still exist? I have a credit card contract signed with RBS Advanta - and this seems to be MINT now? Is the RBS Advanta credit card contract a valid contract still? I'm being taken to court by the Royal Bank of Scotland over a credit card loan, which I signed for with RBS Advanta for £3,500 back in 2003, but they kept on increasing this, without my permission or requests, to over £9,000, and now I'm unemployed I cannot afford to repay this, and they are taking me to court when I have no money? Can they do this when only £3,500 signed for? Also, signed with RBS Advanta (not MINT)? Any help here would be greatly received, feeling desperate, thank you. Round table.

Hi I don't know my way around this board too well. I posted an enquiry relating to Lloyds TSB treating me unfairly in connection with COBS under General Debt Issues but then I found this Lloyds Bank sub-forum. I have an old TSB bank account, a former Lloyds bank account (both now Lloyds TSB accounts that I don't use) and a Lloyds TSB Trustcard account. The Trustcard account has just been sold to a DCA. I want to access all my records for these three accounts. Can I do this with one SAR or would I need to send one for the Trustcard and another for the bank accounts? It is not a PPI issue, I just want to understand my position regarding the Trustcard as I have no record or recollection of signing an application or receiving a credit agreement back in the 1990s. The Trustcard was given as a cheque guarantee card to my TSB account when I opened that account. It doubled as a credit card. Thank you.

I have just discovered that I have been paying PPI on a Yorkshire Bank credit card that I took out in October 1997. At the time I was working full time and was entitled to sick pay of 6 months at full pay and then 6 months half pay. In 2007 I fell upon hard times and ended up having to seek help from Payplan (owed £7000 on the card). The account was passed on to a solicitors and I made the agreed payments. In November 2009 the account was assigned to Marlin Europe I Limited and I continued making the agreed payments to Payplan until August 2010 when, because my finacial circumstances changed I left Payplan and set up a direct debit with Marlin. I currently only have £1775 left to pay on the debt (20% less if I pay in full - special offer!) My question is who do I pursue for the missold PPI - is it Yorkshire/Clydesdale Bank? I don't have my original credit agreement but do have the account number and statements from 2006 showing the PPI payments which I must have been paying since 1997. The card was cleared in April 2006 (at the time I had a balance of almost £5000, the debt accrued after that. I can't remember how I got the card, I presume it was over the phone but I was totally unaware that I had PPI until two days ago when I found the statements. Hope someone can help me.

Hi, I am attempting to contact Capital One to claim back PPI charges going back a number of years. Capital One however will not help me unless I can quote my full card number. I no longer have the card - it hasnt been used for probably over 5 years. All paperwork that I receive from Capital One in the post uses XXXX in place of the account number - only quoting the last 4 digits. Unless I can quote the full number they will not discuss with me - I have explained that I cannot quote the full number as they do not add it in any of their correspondence and it is an old card that I no longer have. I am new to re-claiming charges and am uncertain of what I can claim or how to go about it. Is there anyway that I can get Capital One to acknowledge my claim without the full account number? They are refusing to discuss with me on the phone, even though I can answer all security questions.... Thanks - all advice gratefully received!

Hi everyone. I'm new to the forum, and I really need some help! Here's a (very) brief summary of my plight: Back in June, my dear father died of brain cancer. during the last few days of his life, and for a day or two after he'd passed away, someone had ruthlessly helped themselves to his Halifax credit card. In all, approximately £1,500 worth of goods were purchased -- cigarettes, a personalised bottle of expensive whiskey, a computer from PC World (including a registration to Norton Antivirus) and clothing from very.co.uk. I notified both the police and Halifax of the crime. I provided the details of the alleged perpetrator (a close family member). Halifax investigated the case, concluded that fraud had taken place, and refunded the money; however, they will not proceed to notify the police of their findings -- they state that it is not in their policy to prosecute. The police will not investigate the incident -- they have advised that it is Halifax who are the victims of the crime, not my late father and his family. As it stands, the person responsible for the crime will not be held responsible for their actions. The person who's bedroom I found one of the stolen cards in; the person who had the Whiskey they purchased for their boyfriend's birthday inscribed with his name; the person who registered the purchased antivirus software in their name; the person who's wearing the lovely new cloths they purchased using my dying father's credit card, while they're sitting opposite me at the table right now -- laughing at me! Surely something can be done here?! Can anyone help? This is NOT about the money; this is about holding a criminal responsible for their actions.

New to this site so hoping I have posted in the correct place. I would be most grateful if someone could advise me on this matter. My husband died recently leaving a £3,800 debt on his credit card. The only asset in his estate is his half share of the house which we own as "Tennants in Common". There is no money available to pay off this debt. We also have a lifetime mortgage via an Equity Release scheme. The title to my late husband's half share goes to his son by his first marriage in his will. Can I be forced to sell the house to pay this debt - and how so given the lifetime mortgage? Many thanks

Hi, I had a credit card with MBNA which due to my circumstances I am unable to make the required payments. They accepted my offer of £1 a month but after approx. 6 months sold it onto a company called Moorgate. They (Moorgate) have now written to me demanding the total sum but they now claim it is a loan I have with them. Can they change a credit card debt into a loan as I have never signed an agreement with them or had any previous contact off them. Do I send the usual letter requesting they supply me with a copy of my CCA agreement or do I ask for a copy of the loan agreement? What do people think is the best step forward for me with this one? Thanks in advance

For six months of 2011 I paid the same amount on the same day of the month and didn't use my credit card. The interest charge reduced by roughly the same amount each month except for one rogue month when the interest charge increased by about 40%. And then it returned to normal. I telephoned to complain, was told that the error was due to changing to a new system and was refunded a fiver. The same happened this year but when I phoned I got a really stroppy customer service representative who insisted that the difference was due to the number of days in the month (February was not involved, by the way). So I wrote a formal complaint asking for specific details of the interest charges. Three weeks later I got an acknowledgment, though not a response, and three weeks after that I got an apology for failing to respond and a goodwill payment of £25. The phrase "our final response" was included along with details of how to contact the ombudsman. So that's it - the matter is closed. I can't contact the ombudsman asking for compensation because I've already been compensated more than reasonably, especially for the second occasion. But I do wonder if it's a regular occurrence across the industry. Interest charged on the credit card daily balance is almost impossible to check. Has this happened to anyone else? It's Coop Visa in my case, by the way. Best wishes, Neil

Hi I recently read a lot about claiming back PPI money. I got my credit card about 2007 and never realised the insurance was not obligatory. I've read most of threads and I suppose I know what to do. I'd like to send the first letter to LloydsTSB.. Could someone check and correct the letter as English is not my mother language and there could be some unnecessary words...Also could someone tell me what chances have I got to get money back based on the letter. "I am writing in relation to the above payment protection (PPI) policy which I believe was mis-sold to me. I believe you have not treated me fairly for the following reasons; I was under impression that the insurance was necessary. I was made frightened that in case loosing my job or in case of serious injury, I would not have any way to pay back the credit. I was asked if I had any savings or any other source of money to repay the credit. Obviously if I lost my job, I would not have but my wife had been working at the time and I could use her wages. I also had had some savings in account abroad so I could use that money. If I were aware that I could use them two sources of money to pay the credit I would not take the cover. I have to say that on top of that the salesperson was very pushy when selling the product, so I felt I could not say no. Your salesperson did not tell me that the policy was optional and I could take alternative insurance cover. Based on above factors I believe the policy was not sold in my best interests. Unless you can prove that the policy was fair and reasonable and that I was treated fairly when I was sold the insurance, I demand a full refund of all premiums, and subsequent interest on these payments, that I have paid in relation to this policy. I also expect 8% interest to be added to each payment I have made as this is the statutory amount a court would pay. I look forward to your full and prompt response to this letter. If this matter is not settled within eight weeks of this letter I shall be contacting the Financial Ombudsman to investigate my complaint." One more thing... Do I need to know exact sum of premiums I paid? Thank you. Tom

All Not sure if this is the correct forum to post. Here is the situation 1. I got debt with Halifax which I am have been paying off at reduced monthly payments ( Halifax agreed to this 6 months ago and reduced interest rates while I make these reduced payments) 2. Last week, I received a letter from DCA ( Westcott) that Westcott is acting behalf of Halifax to collect this debt and demanding full payment to be made within next 7 days ( ususal red letter). It started with usual Text Message then red letter. So far I have ignored all this ( thanks to this forum) What would be the right thing to do here? 1 Should I just continue paying Halifax directly and ignore Westcott? OR 2 Should I contact Westcott to set up reduced payments ? I know that Westcott is just cash cow trying to make some money here. I would like to just keep paying Halifax and reduce the debt rather than going through Westcott. What legal rights do Westcott have? Is there any letter that I can send to Westcott to stop contacting me about this debt. Thanks

Ive been sent 2 letters from Capquest advising that they "may be passing on my case to their solicitors" and "to contact them to avoid litigation." The debt was originally with Tesco personal finance ( a credit card ) but i was unable to pay it as i lost my job around 4 years ago, they were actually really good and froze the interest for me and took a minimum payment for about 6 months but then got fed up and passed my debt on, I decided not to pay any other company as i thought they did not own the debt and if they did they bought it for a couple of quid, i was also struggling for money. I now have a job and have around £50 spare a month but i am unsure of what to do, should i pay Capquest and try and resolve the debt with them?? I dont want to end up in court!! Ive signed up to the CreditExpert to try and view my credit rating and possibly who owns the dept but im waiting for a pin number to arrive in the post before i can access it. The amount is £2094.17 owed i am unsure of any extra charges or late fees added on as it was 4 years ago. Your help will be greatly appreciated, thank you in advance.

Hi all, the story so far....... 2007-2010 i was working out of the country for Disney on Ice (so working generally a week or two in a city or country at a time before moving on.) May 2010 I returned to the UK and looked for job/somewhere to live. April 2011 - received a letter from Arrow Global Ltd stating "......with effect from 5th November 2010 under a written assignment of the debt you owe to FV-1 Inc, has been sold to Arrow Global Ltd " (Typed up in full on post: search cambio1 arrow global). Unaware of any previous court action i treat it as a new claim and requested proof of claim via validation. No reply. Sent two more letters.........no replies. 3rd October 2011 - Order to attend court for questioning arrives. mentions a CCJ i knew nothing about so I write a letter to the court requesting clarification as to what had been happening in my absence. 16th October - hand deliver my letter (no money for postage) and the court refuses delivery stating that i needed to pay £85 to set the judgement aside.(i didnt have money for this and could not understand why i should have to pay anything when i hadnt done anything wrong and was merely trying to find out what had been happening.) Around this time I also called the court and requested two things: 1 - a copy of the claim form, and, 2 - a copy of the judgement. I have received neither. i was sent a claim/judgement `spec only` form , which.... Novemeber 2011, sought legal counsel who informed me that even if i was their client they could not do anything with the `spec only` form. Also advised me to apply to set aside ASAP. December 31st - received the witness statement from the claimants solicitor (confusion.....i was under the impression that a solicitor could not be a witness) which left me new yrs eve, new yrs day, and the Mon and Tues to review everything (baring in mind i was working all four days) before the hearing on the Wednesday 4th January. This is where it got interesting, and any help would be appreciated: Wed 4th January- My app to set aside was based upon the following: -I did not receive the notice prior to court action (sent to my old address) -I did not receive the particulars of Claim (sent to my Grandmothers address, used as a c/o add whilst i was away working) -I could not have acknowledged the claim or filed a defence as i was out of the country and hence out of the jurisdiction -i feel (but have not yet stated this in the hearing)that there is some degree of excusable neglect on my part. Excusable neglect : A failure - which the law will excuse - to take some proper step at the proper time (esp. in neglecting to answer a lawsuit) not because of the parties own carelessness, inattention, or willfull disregard of the courts process, but because of some unexpected or unavoidable hinderance or accident because of reliance on the care and vigilence of the party`s counsel or on a promise made by the adverse party -I would argue that since becoming aware of the matter i have taken great care and attention as to avail myself of proper procedure and due process (even if the court doesnt seem too interested in such things) and to do everything in my power to gain clarification and remedy this matter. -the claimant argued that the court should dismiss my app to set aside based on Nelson and another Vs Clearsprings management ltd. In This case the def`s app to set aside was dismissed on the grounds that the def had no defence. -I argued that in Fairway Vs Palmer [2006] the app to set aside was allowed bcos the def was out of the jurisdiction -Judge called a recess to look into it. -When we re-entered the court [in chambers] the judge then offered an argument for the prosecution, namely the case `City and Country properties Vs Kamali`, stating that in this instance the app to set aside was dismissed even though the def was out of the jurisdiction.Is it just me or was this an example of prejudice and Bias since the judge (referee) was offering arguments for the prosecution. (i think it worth pointing out that the judge knew this was my first ever court appearence and i was up against someone who had been a solicitor for some time). Would it be worth putting the judge on his Oath at the next hearing??? anyone have a suggestion on this. -As i was voicing my objection to this action of the judge, he interjected stating that he was going to use the discretionary power of the court to file a "Motion for Discovery" and request the claimants to produce the "credit(s) agreement(s)" mentioned in the `spec only` form. - He gave them 12 days (+2 for delivery) to fulfill this request and at the time of writing i am still waiting. -So, hes stating that the claimants acted correctly and is allowing the serving of the Doc`s even though i was out of the jurisdiction. (the claimants admit as much in their witness statement when they asserted that i was living with my mother in spain......in which case why didnt they follow CPR with regards to serving out of the jurisdiction) -After i receive these doc`s i have 2 weeks to file a witness statement and then another hearing will be scheduled. I am aware that i can request various items under the Consumer Credit Act 1974, including proof of loss, invoices, statement of account etc. Could I still send this request or would it not be advisable to do so since the Judge has already filed a motion for discovery? I am considering sending a letter to Northampton CCBC requesting clarification of a few matters. I have heard there are no hearing rooms or judges at the bulk disharge centre. As such it seems hard to imagine how due process/CPR could be followed. There have been rumours of "fraudulant deception" taking place. Not wishing to succomb to hearsay but wishing to ensure my rights to due process, i would like answers to those questions. Additionally I would really like to see a full copy of the judgement that was made, so i can see which judge was presiding and what evidence was presented (bcos i dont believe there was any). Do I have a right to see a full copy of the judgement? Do I have a right to ensure that any judgement passed was done lawfully? Also im a little worried about escalating costs (i earn under £8000 a year). I have been told that as a litigant in person i can claim upto £9.25 an hour but i am unsure how to go about putting in a counterclaim/claim for costs. How do i prove how many hours iv put into this? What costs can I be reimbursed for? legal counsel? My time iv spent researching legislation? Any advice would be greatly appreciated as i feel, in essence that iv got a lot to base a defence upon.....just not entirely sure how to apply what iv learned. Iv been going throught the Bills and Exchange act trying to find which part is relevant with respect to "once a debt is paid said debt is extinguished" which i hear a lot, but would like to find where it says that in the Act. Also i know the limitation Act of 1980 may apply. How can I find out if this company are trying to enforce a statute barred debt? Iv got about 2 weeks till the next hearing and need to submit my paperwork including a preliminary defence in the meantime. Any help would be greatly appreciated.

hi, i have had an M&S card with outstanding balance since I stopped paying back about 6 years and I have been unable to pay it back due to ongoing financial difficulties. I ahve been contacted by DCAs one after the other and lately a company called Credit Security has been on my nerves with threatning letters/calls. Due to this debt, I have got bad credit rating for a while now. I had once sent a CCA request to M&S and they sent me the agreement. I then sent them a SAR in return to which they sent me a form to sign which I never did. I am now thinking to somehow get this debt off my shoulder but although I have work I am still struggling with my finances every month and go overdraft often. I am thinking to borrow a small amount off my family/friends and get the DCA/M&S to agree on a full and final figure to settle the debt but I do not want to speak to the DCA on phone as they sound like thugs. I need some guidance on how to approach this and how much to offer etc. my total debt on the card is £5000+. Many thanks

Hello, I'm a bit unclear about the whole thing around what it is to acknowledge or not acknowledge a debt. Say one [ahem] has been paying a monthly amount towards a credit card debt for years, does that by extension automatically mean acknowledgement of the debt? Likewise if someone requests repayment of charges and interest (for credit card debts), is that automatically seen as acknowledging the debt? I'm wondering what then happens when a CCA request is made and the creditor (or DCA) does not deliver a true copy of the agreement, and then the debtor the decides to discontinue monthly payments until a true copy of the CCA is received. Does the whole thing of acknowledging or not acknowledging a debt come into play here or not? Maybe different factors are involved with original creditors versus DCAs who have bought the debts? I suppose the question boils down to: What constitutes acknowledgement of a debt and what are the implications/consequences of that? Obviously I'm not very clear on this topic so any clarification would be welcome!

Hi everyone, this is my first post so please be gentle I am in the process of filing an amended defence regarding unenforceable CCA 1974 agreement and require advice on the matter. The story so far is that I originally filed an embarrassed defence due to DG Solicitors not supplying documents that related to HSBC claim for £12,000 on a Gold Card. HSBC did not take any further action and the case was stayed. They then recently applied for the stay to be lifted and judgement entered for them as, in their opinion, I had no chance of winning. I appeared at court yesterday and contested their application on the grounds that I have not received a default notice and requested it be struck out. The district judge on reading my witness statement denied summary judgement and re allocated the case to fast track. I now have to file another defence to their claim and was wondering on what basis I should defend post Carey v HSBC. I was originally going to claim that the CCA does not contain the prescribed terms but am now unsure (there is no mention of APR on CCA). DG Solicitors have admitted that they cannot supply a copy of the default notice as they do not keep records of electronic documents. Their agent at court seems to think that she can rely on a reconstituted copy (she showed me a blank template) Advice greatly appreciated

Hi I currently owe the following credit card debt to UK credit card companies: MBNA - £8200 - account opened approx 1998 Co-Op - £8000 - account opened 2001 (with Northern Rock who passed over to Co-Op later. At present there are no arrears on either account, but I am finding it increasingly difficult to meet minimum re-payments and ideally want to make an arrangement to pay below the minimum monthly repayment with them. I also want to be well aware of the implications of doing so and anything that may help me when dealing with the banks. Could either company add details onto my Irish Credit rating? Would it be recommended that I obtain a SAR's for the accounts prior to requesting the payment arrangement to verify how enforceable the CCA's are? Thanks for any guidance

Hi, revived a letter today from Apex,saying that they wrote to me recently, but they didnt, re a Capital One credit card, that is nearly stature barred or if not alredy... my questions are: 1) my name Geoff is spelt Geofff.. is this an issue? 2) the address is incorrect being the wrong flat number is this an issue? 3) should I ignore this letter? giving me time and finally 4) if i do have to contact these people, what is the current state of affairs regarding cca requests and if so can i have a template....

Hi, I had a lodger about 4 years ago who was from Poland. he got a job here, very nice chap. He moved about after about a year and I haven't heard from him since. I was getting post for him for a while occasionally, but now more worryingly I am getting banking post - e.g. credit cards and bank accounts - for him AND his wife. How do I approach Lloyds bank, for instance - about this? I contacted them a year or two back but they just kept saying as I wasn't the account holder they wouldn't tell me anything - I kept trying to explain I didn't actually want to know anything - just wanted tot ell them that one of these people has never lived here and one did but moved out. Not sure how to deal with it and what the possible implications for me are if these accounts go pear-shaped? Thanks Sam

HI, i am new to this forum and i am after some advice. I have a 2k credit card with RBS and its charging me approx £16 a month PPI, i didn't realise this until i analysed my statement. I have previously asked them to stop this charge about a year ago and i never thought to recheck the statement, until now when i reliased my payments are not going down as quick as i like. Can anyone advise on the correct wording to use on my first letter to the RBS company to ask them to cancel the PPI and that i would like to claim back the PPI that i have had the last few years on the card. Any advice would be great. I have just tried with LLOyds and they blankly refuse to give me any PPI back on a £3k loan, written twice and still refusing to do it unless i take a new loan out they wont cancel it either. Nightmare, thanks

Hi all, I think its best to start at the beggining! Back in Nov 10' i was self employed and run out of work, i tried to claim job seekers but was not entitlied as had not paid enough national insurance contribitions. Phoned capital one to explain my situation and asked them to freeze payments for 3 months aswell as interest and charges, there response was that they could setup a payment plan providing i sent in relevant documents ie job seekers letter, income expenditure, bank statment etc. I sent in every bit of information i have excluding bank statement as my bank account was currently suspended as i was over my overdraft limit. At the time of asking capitalone this my balance was £1900 and i had a relative willing to pay £20 month till i was back on my feet. Capital one refused to set me up on a payment plan untill i had sent them the bank statement which i explained i could not send so they said there was nothing they could do!! In Dec 10' my relative said they would lend me £2000 to pay off my 4 creditors (wonga, santander, vanquis and capital one total debt was about £7000 to all) i sent all four settlement offers explain my situation and 3 of them excepted so all i owed was capitalone. I urged capitalone to reconsider but they again refused in Jan 11 my balance with them was now £2000 Now in March 11' i recieved a letter of default and called them to explain ive been trying to sort this situation out since nov 10'!! I explained to them i was more than willing to sort out a payment plan as i had started working self-employed again, but they said they could not put me on a payment plan as the documentation i supplied was insufficent! i explained i have to set up a new bank account so would not have any statements, im self employed so do not get a wage slip as such and they again turned round and said there was nothing they could do!!! I feel so stressed out with this as my balance is now nearer to £2200 and ive tried everystep of the way to setup a plan but did not pay anything till i had conformation in writting that no interest would be added anymore. im asking for my cca today off them but this still will not make them setup a payment plan i feel limke letting them just take me to court as ive kept letters of everything ive sent and everything they sent me and they just wont listen!! i have no assests except for a van which im still paying for, live in rented accomodation and have no bank account. Should i just let them take me to court or is there something i can do to make them put me on a payment plan? Any help would be much appreciated sorry if i rambled a bit but its the first time ive been on one of these forums. Thanks Bri