I just thought I would share some good news and hope to people who were in my position. After reading through hours of horus on here, and taking some fantastic advice from people on here (thank you) I have sorted out all my defaults on my PDL's, and the only one left who will not agree to anything are Pay Day Express and Tooth Fairy are just ignoring me. Pounds to Pockets are sending generic emails, but I am paying them the amount I can afford in the meantime anyway. The others were not that bad, Wage Day advance agreed with only 2 emails being exchanged, as did Wonga, and Payday Uk were hard work but after a fab letter (from someone on here) they also agreed. The reason for posting this, is for people coming on here for help you are in the right place, I felt like my head was going to explode with all this debt and now im more than half way there, I thought I would share some good news I also have all the bank details of people I am paying back as on sound advice I have a parachute account! I thought I would list them to see if it useful to anyone else. WONGA - Barclays S/c 20 06 05 a/c 43151468 WAGE DAY ADVANCE - Barclays S/c 204514 A/c 90931772 PayDayUK - Natwest S/c 60 00 01 A/c 39524906 (a/c name Month End Money) Tooth Fairy -Barclays S/c 20 50 94 A/c 93462383 Swift Sterling - Northway Financial Corp S/c 30 00 09 A/c 00647610 Text Loan - HSBC S/c 40 21 03 A/c 42028948 No bank details for Pounds to pockets but they say you can send payments to Pounds to Pocket Collections PO Box 47 Sheffield S98 1DR I hope someone finds this useful Thanks again.

The good news is Santander have upheld my complaint on mis-selling PPI on a Wallis Store Card I had. This acount was transfered to CL Finance as I am currently working with Payplan to repay my debts. The bad news is they have transfered the entire refund to CL Finance and told me after the event. I'm more than happy that money should go to pay off my debts however I dind't think they had the right to transfer the interest on premium and loss of cash interest award to them as well. Before I put pen to paper ( again) would appreciate some guidance. Many Thanks

Here's the letter, from here obviously... It's for a Kays catalogue debt - we recieved the last of threatening letters before further action so decided it's time to contact them. Just wondering whether it would be s.77 or s.78 that I write....? Dear Sir/Madam Re:− Account/Reference This letter is a formalrequest pursuant to s.77/78 of the Consumer Credit Act 1974. I require you toprovide me with a true copy of the credit agreement relating to the aboveaccount, together with any other documentation the Act requires you to provide. I expect you to complyfully and properly with this request, within the statutory time limit. You arereminded that should you fail to comply with my request; the provisions of s.77will apply. If it is your view that youare not the creditor, s.175 of the CCA 1974 applies in the case of a simpleassignment, and places a duty upon you to pass this request to the creditor. Inthe case of an absolute assignment, you are a creditor as defined by s.189. Ifyou contend that you purchased the rights but not the duties of any agreement,you are reminded that s.189 of the Act is clear that an assignment is of bothrights and duties. Your attention is drawn toss.5 (2), 3(b), 6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR). I enclose a postal order inthe sum of £1.00, which is the statutory fee. Note that these funds are not tobe used for any other purpose. If you are unable to complyfully and properly with this request, you should confirm this in writing at theearliest opportunity, and certainly within the statutory time limit for compliance,and return the fee. We look forward to hearing from you. Yours faithfully,

Hi, I've not posted for absolutely ages on here as generally thanks to you guys I managed to get myself back on track with everything. Since 2007 I was in dispute with Natwest over my personal current account, which had incurred charges. They put the account "on hold" whilst the test case happened and to be honest I didn't think about it much more as they said they'd be in touch when the test case was resolved. They didn't get in touch until the beginning of this year, during which time I found out that whilst the account was "on hold" they'd added £5k of charges and interest to it! Bearing in mind they hadn't contacted me about it for quite considerable amount of time, they certainly pulled out all the stops - Threats of defaults, immediate payment, account closure, debt collectors etc. They even decided "my relationship with the bank had broken down" (their words) and decided to give me notice on a separate unrelated business account which was in good stead and had never missed a payment on the business loan - they insisted that loan was also immediately repaid! Thankfully I'd been lurking and reading up on the BCOB developments and adapted one of the letters threatening to take them to court for breach of BCOB's They "investigated" my account for what seemed like forever, before finally coming back with a full refund of all charges and interest, and reinstatement of the business account. oh, and £80 for my troubles! If I wasn't so weary of the fight I'd probably have pushed them for more than £80 but to be honest I'm so pleased it's over I'll just leave it be. But if you are stuck in a dispute don't be disheartened, do read up on the BCOB options and give 'em hell! All the best, BTONBADGER

Good Evening. I am new to the forum and would like to hopefully find out more regarding my rights as a consumer. Thank You