Hi All, I have a BTL property. I was in arrears of months. Today I have recd a letter for formal demand to pay full mortgage in 1 week. I have cleared the arrrears as of this morning. I am bit surprise no notice or anything during this 4 months except letter of arrears. I was wondering what are my options? Any help would be much appreciated. Thanks Bill

Hi, I bought a voltage converter from Amazon to use for an American TV. While using it the converter started buzzing really loudly, suddenly overheated, and killed my flatscreen Samsung TV. Since I bought the product there are some very bad reviews on the product that include a person whose item exploded as a result of the item being faulty, so its not just me. I've been trying to get in touch with Amazon complaints department as I wanted to log a formal complaint about the converter and the TV, and I did this over a chat with Amazon's complaints department (- apparently). Amazon wouldn't allow me to log a complaint or do anything. Here's a snippet of how the conversation with Amazon Complaints team went: 11:45 PM GMT M: Based on our conversation, I understand I am not allowed to make a formal complaint. I am not allowed to get a link to your compensation policy. And I am not allowed to get compensation for the items damaged in my property by your dangerous faulty product. Based on this conversation I understand amazon takes no responsibility for items that are dangerous to people and private property. And I am also not allowed to contact the Amazon’s legal department. Is that right? 11:48 PM GMT Parthasarathy: I will forward this issue to our internal team and will make sure that you will not face this problem again. 11:50 PM GMT Me: Yes, you can forward this to the internal team. In the mean time I would like Amazon to register a formal complaint on the following grounds: 11:52 PM GMT Me: 1) I am being blocked from logging a formal complaint. 2) I am not allowed to get a link to your compensation policy. 3) I am not allowed to get compensation for the items damaged in my property by your dangerous faulty product. 4) Amazon takes no responsibility for items that are dangerous to people and private property. 5) I am being blocked from contacting the Amazon’s legal department. 11:52 PM GMT Parthasarathy: Okay. I will now forward this issue to concerned team and will assure that this will not happen again in future. 11:53 PM GMT Me: Can you please give a reference number for my complaint. And when should I expect a written response to my complaint please? 11:54 PM GMT Parthasarathy: I'm sorry it's an internal contact and we don't have the option to disclose it's output. 11:56 PM GMT Me: If you register a formal complaint, you have to give the customer a reference number, it's got nothing to do with internal contacts or disclosure. Also, ever formal complaint has to have a written response. Again, it's got nothing to do with internal contacts, disclosure or outputs. Are you saying that you refuse to register a formal complaint? 11:58 PM GMT Parthasarathy: We understand how you feel, we’re very sorry. We’re going to take care of this and you can trust us that it will not happen again in future How can I file a formal complaint with Amazon if Amazon does not want it? What should I do? Thank you.

Having so many Pay day loans (different thread already) and gambling I took stupidly on the same time unsecured Loan – contract with TM ADVANCES LTD. The interest its huge but when you are gambling you don’t think about now I need a help. They didn’t ask for Bank statement and I can see searches on my Credit file so was very clear how much debt I had already but I am not expecting that this one will be easy

Hi again guys, been having great success so far with these debts (will try to find a link my other post which is about over a year old to give you some context) So the quick back story Lowell owned the debt, bpo was acting on their behalf sent a CCA request bpo passed it back to lowell after not responding, lowell have then ask their legal team (phahaha) lowell solicitors to start court proceeding, rang them for abit of fun informed them that no cca has been sent, they have now supplied me with the request but it is unreadable (will update this post with a picture when I can) Because it is unreadable is it enforceable? It's crazy blurry you have to guess what words say I am also going to start a complaint as they have passed the debt on that was in dispute (no acknowledgement of the debt what so ever) In fact blurry is a bad way to describe it, you can read the larger letters but the smaller print (90% of the page) looks like it been written in a ink cartridge fountain pen on a piece of kitchen roll Edit: I would rather not just ignore it as it is very close to becoming statue barred (a few months) and would rather stall them with some paper work then having to do all of the paper work for a court defence I found this template on another site but I only trust this site for accurate advice what do you guys reckon? Dear Sir, Thank you for the reply to my letter dated XX/XX.XXXX. Having taken the time to look over the documents supplied in response to my statutory request made under the Consumer Credit Act 1974, I have the following concerns The document entitled “credit card agreement regulated by the Consumer Credit Act 1974” which appears to bear my signature fails to comply with the requirements of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557). In particular section 2 of the Regulations As you will be no doubt aware, the Copy Document Regulations requires that documents are easily legible and clearly the terms of the agreement are not easily legible, infact far from it. Many of the terms are blurred and cannot be interpreted and I am further unable to make out the prescribed terms as required by schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553). After taking advice on this matter, I am of the belief that this agreement that you have presented before me, as it stands would be unenforceable even by court order. Therefore, I require that you provide me a clearly legible copy of the agreement, where all the terms are clearly legible Should you not be able to supply a clearly legible copy, I would suggest that you give consideration to cancelling this account and reducing the balance to zero. Of course the alternative would be to seek a declaration of my rights under Section 142(1) of the Consumer Credit Act 1974. am advised that with the documents that you have supplied there would be an extremely good prospect of success with such a declaration, however, I am mindful of additional costs that such action could incur both on my part and on yours so I trust you will give consideration to this request Yours Sincerely

I was caught using a child's ticket by TFL (although my friend who is 2 years older wasn't stopped at the same station...) after received a letter about it, telling me to write back to them and tell my version of events. I wrote back a pathetically grovelling letter of apology and have received a letter in response telling me I will receive only a formal warning if I pay £254.90. An extortionate amount, but I can pay (thank you student loan) and my question is - would a formal warning show up on a criminal record? I study PPE and hope to possibly enter the realm of politics so that wouldn't bode well for me. if anyone could help and tell me whether this would show up on a check, that'd be great.

Looking for some advice. I've got a first formal attendance meeting coming Tuesday 3rd November unsure if this is actually a stage 1 meeting at this point or just a formal meeting. As I work for the NHS I'm above the Trust's 3.5% threshold over the last 12 months. my sickness stands at 4.7%. I was off sick in April for about 2 weeks putting my sickness to 5.5% from an earlier episode that had my just under the 3.5% cut off point. The Junior sister had a back to work meeting on the 7th April but because it was 5.5% had to refer this to the Senior sister. this can sometimes take a week or 2 depending on how busy the ward is. however the meeting didn't take place till late June where my sickness had dropped to 4.8% She set a target of 0% sickness until our next review date end of September putting this in writing what our meeting was about however she put 5.5% instead of 4.8% on the letter, an oversight of course that I pointed out.. However September came and went and the week we were supposed to meet never took place as she had decided to book leave for a week. I reminded her when she came back start of October that our meeting never took place and she said she'll sort something out but this never happened. towards the end of October I was off 2 days with D&V. She had a back to work interview with me on Friday 23rd October apologised for not having the review meeting and talked about my sickness again. But because of the 2 days it took my sickness from 4.8% to 4.9% So she said it hadn't improved and that this would have to go to a Formal Meeting. but I pointed out that it had improved as it was 5.5% in April and now only 4.9% and that I only had 2 days sick in 6 1/2 months. She didn't even respond to that. She did point out that 5 days sickness was about to come off the rolling months soon and would contact HR to find out what to do next as once the 5 days come off my sickness would have dropped below 4%. She knew I was on holiday last week so I returned home yesterday to find a letter had come dated the 27th October for a formal meeting to take place 3rd November. They want a meeting because. My attendance remains unsatisfactory despite the recent monitoring period My level of absence for the last 12 months remians above the trusts policy of 3.5% I feel they haven't given me enough notice knowing I was away on leave not even giving me a chance to contact a Union as I am with Unison (will contact these on Monday) I don't even have a copy of my sickness record for the last 12 months to look at which I assume would have been inc in the letter. I know this is no big meeting but these can easily escalate to something bigger if not dealt with sooner.

I'm new here so I apologise if I'm posting this in the wrong section. My wife and I purchased a business a few years ago that we closed earlier this year. The seller tricked us into buying the business by inflating the figures and we fell for it. Anyway.. we have lost our entire life savings trying to keep it going and earlier this year when we had no money left we had no choice but to walk away as we could not find a buyer after trying so hard to sell it for over a year. We have a business loan for £45k with Lloyds which we have personally guaranteed (I've been told the PG is watertight). We also have a £4k overdraft. They've sent us a formal demand for the loan and overdraft. I called them last week to set up a payment plan and I was told that they would contact us back. I wanted to know if anyone has been in a situation where Lloyds have accepted a payment plan for this kind of situation or will they force me to sell my house in order to pay them? I'm quite worried as I really don't want to move. My wife and I are currently working but we have only been working for 6 weeks so we will not have the right paperwork to remortgage the house.

Hi, First time posting/reading the forums here and I'm in need of some advice. I have an outstanding balance with Barclaycard for around £2,500 (credit card - no ppi). Due to loss of job back in 2013 I went in to a debt management program, since then I've been making payments for the last 18 months or so but at a rate under the minimum amount (agreed with my Debt Management Company). In my first year of debt management I made a very small payment £100 or so to my DMC and they paid my creditors. This year my financial situation had improved somewhat (new job etc) so I increased my payment up to around £200 a month, Barclaycard accepted the new offer from my DMC but that last month I've received two letters (one saying if I don't pay all amounts owed in full they will issue a Formal Demand, and then 3-4 weeks later the Formal Demand). I'm a little unsure what to do next, I simply can't pay the money, I can't pay more a month as the £200 I'm paying now is a struggle (I only earn £1000 p/m and bills, rent, car, etc etc plus the £200 to my DMC leave me very little to live on). I still have a total outstanding amount of debt to the total of around £10,000 (including the Barclaycard money). What do I do next as I have until August to resolve this or Barclaycard will issue my debt over to a collection agency to recover the money, again I don't have any thing for them to recover and since I've had to move back in with my parents I'd rather that I didn't get someone just knocking at my door.... Any advice or help would be appreciated, additionally it might be worth mentioning that I suffer from a condition called "telephonophobia" so find it a real struggle to make any correspondence via this method.... Hope you guys can help

I have received two letters today for "formal demand for payment made in accordance with the Practice Direction - Pre-Action Conduct of the Civil Procedure Rules". These are for an HSBC overdraft and Credit Card that I know are statute barred. Should I reply now with the SB letter or wait for the claim forms?

Hi, hope all are well. Got a few fires burning at the moment, this one has failed even before it started. Summary as follows: Family member, financial problems. Defaulted. Token Payments being made. I sent a C.C.A. Request in April, should have received something start of this month. Nothing arrived. Made a Formal Complaint to the CEO's Office including a 'Account in serious dispute' letter, complaint ignored. Now 2 weeks overdue. Gave them a deadline to reply by. Complained on twitter, they've replied, but they are delaying the situation. [They'll probably figure out who I am by this post I'm sure]. I've given them my own Final Response. What can or should I do now? Stop payments until they reply? Make a further complaint? If so, to whom? I figure that if they can dictate and give deadlines and expect the consumer to abide by it, then the consumer can do the same in return. TIA Kind regards

Hi i am looking for advice i just read this letter when i arrived back home on friday night from a debt recovery company for a bill for the previous occupier of the property but its got my name on the debt recovery letter. the bill in question was £155 for between the dates of 01/08/2104 - 14/12/2014. I was in the process of moving into this property and set up a account with e on on the 15/12/2014. The letter from the debt company was made up on the 20/04/2105 and it says i have 7 days of receipt of the letter to pay the bill i have sent a email to e on as i can't phone the now due to offices being closed regards eddy

Well I contacted wonga when the whole FCA thing came out saying that they had lent me money when I couldn't afford it and they had defaulted me and sold my debt on. I asked them when they defaulted me, who owned the alleged debt and that they should take the default off. The default is registered on callcredit still under Wonga and under Experian it says "Not recorded"! I got back a few automated emails, then another one generated saying they were looking into it. I left it for a few weeks and then prompted them, didn't hear anything back. Two months later I sent them a formal complaint and never heard anything about it. I waited 8 weeks and then laid a formal complaint with the FLA as Wonga are members of their association, as well as the FOS. Within a few hours I got a reponse back from Wonga (The subject had a unique reference in that I gave to the FLa, so I know they forwarded my complaint on to Wonga. Wonga claims to have sent an email to an address I have not used in nearly 4 years when registered with them, that email no longer exists and bounces if you send it an email. Despite the fact that I had emailed them 4 seperate times in the last 3 months asking for an answer from my current email address that they responded to initially and then ignored! In this email, they claim to have instructed the CRA's to remove the default. This was in December 2014. checked today and the default is still showing, so called them out on their lie and demanded to have it removed immediately. Will see what happens. Glad i reported them to the FOS.

Good Afternoon I am looking for some helpful advice on my situation. I am currently signed off due to stress but am expecting a disciplinary on my return to work towards the end of January. I have been with my employer almost 5 years and I am a member of a union. In Oct 2012 I was disciplined for being insubordinate and reacting unreasonably to an email request, my first offence. My punishment was a 6 month warning (expired may 13). Since then I have not had any further issues until recently. Over Christmas we had lost a family member and so I was not myself at the end of December. Without going into too much detail my job can be quite stressful and at the end of 2014 we had a skeleton workforce with makeshift management cover. The person in charge of our section that afternoon was not in a particularly cheerful mood and did not like my joke "should've gone to specsavers", replying "shut up ***". She then began to pester me for updates on various issues I was looking at, using an authoritarian and condescending tone. At first I dismissed the issues as being a storm in a tea cup and answered her politely and respectfully, however she began to raise other issues quite vocally and it became obvious that she was trying to make it clear to the senior manager sat close to her that she was the boss of the team. As she continued I made a tongue-in-cheek remark "she's being a bully again' to let the senior manager know in a polite way that I wasn't happy with her behaviour. The situation escalated over the next hour as I asked her for assistance (as she was the only other person with experience of that product), however she simply asked me to send her the details on email, which I did, and on receipt she simply replied "that's wrong". I asked her to elaborate and she was reluctant to do so, making me feel like I was foolish for not having worked it before. I explained that "I haven't done one of these *** before" and so I required further assistance. She asked me to send her a second version which I did, and again she found fault with it pointing to some "grey areas". I spoke to another member of staff on the phone who verified that the details I had included were correct, which I told her. She still disagreed an beckoned me round to her desk. I asked her "why didn't you tell me that the first time?" She replied that it was a matter of procedure to check everything, but I pointed out that "that field wasn't previously populated so how would I know?" She then accused me of being 'aggressive and bang out of order", and foolishly replied "With my family troubles? I don't think you know what aggression is. Let's take this out (of the office, in private) and I can show you what I mean". She then accused me of threatening her and told me to "sit down". I told her not to "tell me what to do" and then after speaking to the senior manager I left the room. I admit to overreacting but surely both parties are at fault here and so her formal complaint is only one side of the story, although unfortunately she was the same person involved in 2012. Please help (I welcome any constructive criticism). Thanks

With formal notice from Ofgem in relation to an investigation of BES, it is considered reasonable to make the following information public; It is with some satisfaction I can finally reveal that a major London law firm has now agreed to look into BES with the intention of starting a group action. At this stage, anyone reading this that has received a 'gagging order' in theory will still be able to bring their case to the group action as evidence - any attempt to stop you doing that will be taken very seriously, and is almost certainly perverting the course of justice, so please do contact the group action in confidence. I am unable to divulge who this law firm is at the moment, as there are a couple of loose ends and the QC wants to see the cases in more detail (and needs a few more to look at). However, rest assured that the person I have looking at BES is one of the best QC's in the UK. He is vastly experienced with over 30 years experience in litigation both representing and taking actions against banks, investment companies and even the Government over contracts worth billions of pounds. He is the man for the job! The lawyer is also concerned about any letters anyone may have received from a law firm acting on behalf of BES threatening defamation. This is clearly defended by True Comment, Honest Opinion, Public Interest and Fair Comment, which under the circumstances are entirely reasonable. Some concern has also been cited in relation to the apparent time scales in the letter in question, and in fact whether the law firm had been correctly instructed. The group action is bring organised by someone else, but I can advise you it will seek to; 1) Investigate and if possible prove an unlawful connection between BES and brokers . 2) Investigate and if possible prove that contracts had been miss sold via bullying, intimidation, harassment and unwanted pressured sales calls. 3) Investigate and if possible prove that the contracts in question should be voided and the Contractees awarded damages. 4) Investigate and if possible prove that a number of telephone calls have been edited to serve the purposes of winning a judicial process. 5) Investigate and if possible prove that BES and companies herein have colluded and conspired to decept a court of law in order to obtain warrants for bailiff action and/or supply disconnection. 6) Using the evidence provided show our findings to a judge before a court of law with the intention of proving that BES and companies herein have acted unlawfully, wrongly and unreasonably - and to award the victims damages. The QC has kindly offered to look at cases free of charge, with the intention to mount a case once he has in the region of 10 cases - which I think will be somewhat of an underestimate of what he will receive. Once the Ofgem investigation is complete, the QC will be leaning on them for evidence to support the claims set out above. If you feel that you would like your case to be looked at, please email [email protected] with your details, they will be passed on and you will receive a reply in the upcoming weeks. The review process will be free of charge, and you will be notified if the QC is prepared to take on your case.

So today, I was pulled aside in work for an informal meeting regarding alleged misconduct, some notes were taken in regards to the incident and I was told that I would be updated as soon as possible - Two hours later, I was pulled aside again and informed that I would be suspended with pay, HR would be in contact via mail with full details, and I would be invited to attend a formal meeting. Alleged misconduct; It has been alleged that I was in possession of illegal drugs in the workplace, nothing was said about the use of said substance (herbal cannabis). After work, I had changed into my own clothes, left company premises after end of trading then proceeded to smoke my cannabis in the car park as I was leaving. Someone (management) caught onto this when they could smell cannabis and clearly see me smoking in the car park. As stated, at the time, I was off premises after my shift and not in company uniform or wearing a badge, etc. I've been told a customer has made a complaint about it, but have been shown absolutely no evidence of this complaint. I didn't even see a customer leave the premises from the point I walked out the door to the moment I headed out of the car park. The reason I have been suspended is because I was in possession of this throughout the working day (I prepared it at home, left in in an airtight plastic tube and stored it in my rucksack for the entire day), therefore, I am responsible for a breech in company policy for being in possession of illegal substances in my workplace. I told the full truth during my informal meeting. My arguement is that what I have done was completely out of character, my disciplinary record during my 2 years at the company is fine - no issues at all, and I'm reliable, and that while I don't justify what I had done in the slightest, I had not caused harm to any other persons or the organization I work for. I'm not looking for criticism or anything, I have a lot of remorse for what I have done, and know it was stupid. Some advice on what to expect, exactly how serious this situation/allegation is and how to act when I attend my meeting. Thank you.

Having no one to talk to, I thought I could post here. I have spoken to my manager at least four times about a member of the team I work with who never even acknowledges me whilst at work, this person seems to be angry at everything, my manager has not done anything apart from the fact she says she will talk to him. Today whilst on holiday I receive a letter to attend a Formal Investigatory meeting because this person has raised a formal grievance against me, no details have been given apart from my alleged behaviour towards them and my percieved attitude, no other details. Its shocking because I have tried to deal with this by speaking to my manager when it was clear there was a problem. How do I now deal with this and this has now ruined the rest of my holiday I feel sick to my stomach ??

In June, I initiated a formal complaint with Virgin Media as they came and installed a media cable onto my property without my requesting it (eg they basically came to the wrong address!). In doing so, they drilled several holes in my front garden wall, damaged a plant, etc. Whilst they have since returned (after I brought the mistake to their attention) and removed the cable, I still expect them to restore my front wall (which is fairly new) to its original condition and pay compensation for the inconvenience, recorded delivery, phone calls, etc. Despite an exchange of letters in which they claim to have repaired the wall they have failed to do this and have also said they don't believe they are liable for any of my expenses! I contacted the CAB who advised me to contact the Comms Ombudsmen (which I did), only to be told that Virgin are not covered by them. They put me on to CISAS, but it appears I can only use them if I am a customer of Virgin (which I am not). I'm running out of ideas on how I should proceed now. I even tried raising it with the Police as I believe it constitutes criminal damage, but they didn't seem to share my view. Any advice on how I can get this matter resolved? Is it time to appoint a solicitor?

Hi peeps, I put in writting a formal grievence to my employer and gave them 14 days to respond, (this is after they had 3 months to respond informally to a enquiry) and basically I keep getting told it's been shown to this person then that person but nobody has got back to me. I've been told a manager intends to arrange a meeting with me but they haven't as yet contacted me, 5 days after my deadline. Do these notifications of who it's been passed to count as a response? What are my options now please? Many Thanks

I am to start the process of reclaiming my bank charges against Barclays on 2 accounts I currently hold. I know which template I am going to use but first I am hoping some of you kind folk can help before I start. 1/ Whats is the best address to send my letter to. 2/ Do I have to send £20 because its to cover 2 accounts. 3/ Have far back can I claim to 4/ Can I reclaim their £22 daylight robbery reserve account charges. Any help would be appreciated.

Hi all, I just wanted to ask a bit of advice. Today I received a Formal demand letter from Past Due Credit Solutions stating that they have been appointed to recover an amount of a couple of hundred quid owed to Bristol Wessex Billing Services. I don't know what the debt could be and I certainly don't think it is mine. There is no other information about to what the debt relates or when or where it was incurred. The remainder of the letter just states how I can pay them which I will not be doing without significantly more evidence that I actually owe this amount. Having read the other threads and taking their advice I thought this would be a simple case of send the "prove it letter" and wait to see what happens. However I have now realised that the surname while very similar is spelt slightly differently (1 vowel difference), the first name is spelt correctly. Should I still send the prove it letter despite the fact that this will reveal my actual surname to them or should I return to sender as a person with that exact surname is not known at my address? I will add that I have checked my credit report and there is nothing adverse to which this could relate. Any advice much appreciated.

Just need a little bit of advice really, i have a disciplinary meeting soon for 'high sickness absence' My employer has a strange sickness policy, it is a rolling year sickness that has no set start date?!?! So they pick and choose presumably what date my sickness started for that year. I always thought it was january to december then i thought they changed it to april to april and now it seems its a random rolling year. So firstly, has anyone heard or had experience with this type of sickness? I have been employed for 5 years with this employer and probably taking 10 days sick per year roughly. (8 days allowed). Up until this year ie..2013 in total i have been off about 27 days and at any 1 time 2 weeks. Now, on 2 or 3 occasions i have doctors notes which 2 are physical injuries preventing me from coming to work and the other is work related stress with 4 days in between with other common sickness. So i have been unlucky this year. 1 of my colleagues was off with stress for 6 months but they did not give him any formal disciplinary. Also another colleague was off for around 1 or 2 months without any disciplinary. But i have 27 days and i have a disciplinary. So my question really is, can they take into account the days i have doctors notes? i have NOT had any written warning about it. Only a meeting with one of the managers who said i had taken 9 days in the last 2 months. He did not mention high levels of absence or anything before the last 2 months. The formal meeting i have, they are taking into account from dec12 to nov13 which is 27 days. I am very confused and stressed to the point i cannot even work anymore.

Hi I had two accounts with Natwest and both had overdraft facilities, I fell behind with these accounts and ended up in a Insolvency agreement along with other debts however this failed and i have now been served with a formal notice of intention to file a default if payment is not made or an agreement is not arranged to pay these debts back, one is for £1545.57 and the other is for £2109.62 along side these is a loan with Natwest balance being just under £14k, there is no way i can afford much to pay towards these as my circumstances have not altered, with the bank accounts is there anything they need to provide to show me agreeing to the overdraft facility and with the loan can i send them a CCA request? I have until the 7th Nov according to this letter any advice will be much appreciated, I am also sure that i had two credit cards with them but there is no mention of these cards on this notice and I am awaiting noodle to unblock my account for me to check up on this, Thanks

Hi, I have received a letter from Buchanan Clark & wells titled Formal demand on behalf of their client aktiv capital this is a an MBNA debt from late 2011 it already has a default registred from MBNA on my credit file Is this a statutory demand? which could lead to bankruptcy, i don't have a job or any valuables to say the least since i was made redundant in 2011, but i am worried nonetheless , the letter goes on to say that they are unaware of any legitimate reasons of not paying and they may recommend legal action and to contact them immediately any advise on how to respond is much appreciated. Please help

Hi I recently requested a CCA from Link Finance regarding an Abbey Loan. The request was initially made on 10th February 2009 and follow up letter was sent on 16th March 2009. I received a letter back from Link Finance saying the account had been put on hold for the time being. Last week I started receiving calls again from Link Finance, I didn't answer, they requested I call them, which I didn't. This week I received a copy of what appears to be the CCA, it is an extremely bad copy of what looks like itself to be a copy. I was wondering if anyone has any advice on what to do next? I have attached a copy of the CCA returned, can someone tell me if it is enforcable, especially considering the time it has taken to produce it and the legibility of the document. Any advice would be greatfully appreciated.

Hi I am new to this site although to date my friend who is a member has beenhelping me. Due to circumstances, my friend is no longer able to help so I amnow going alone. I have an outstanding debt with Barclaycard and i stopped paying lastAugust. I wrote asking for a copy of my agreement in September and received aletter from Barclaycard saying they would answer me shortly. However to date I have not had a reply, only letters from Mercers and manyphone calls from Barclaycard which i have ignored. Today, I received a Formal Demand for Payment letter giving me until friday8/2 to pay the dept in full or reach an agreement with them, or else they maypass my account on to a specialist collections company and a localrepresentative may call on me. I moved in with my mum 2 years ago when my dad died and i really do not wantanyone coming to the house. Please can you suggest what action I can now take. I have read that I could request a full history of my account for £10 buti'm not sure if it's too late to stop Barclaycard taking the action threatened. thank you for reading this and i look forward to any replies B