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  1. Hi All, Was on here some time ago (7 odd years) and received some incredible help. Sadly 2 years ago i fell into some issues and couldnt work at the time. Thus accumulating some debts. One of them is a credit card with Halifax , approx £5500, that had been passed to Moorcroft. I have sent them a 'prove it' style letter They have replied to me with 1 page which is a personal details page and 1 page which is the signed CCA, from Halifax (photocopies) I am happy to settle this debt but want to know peoples advice, opinions and the best way about it. i do remember a fair bit
  2. Hi All I was hoping for some help with this credit agreement that was sent over from Capquest in reply to my CCA request. It's a shop Direct agreement and to my eyes it appears to have all the ingredients of an enforceable agreement. There is no actual signature but my name and date is printed in the signature line, there are terms and conditions along with a date. The debt will slip off my Credit file on the 27th August 2019. If it is unenforceable I am inclined just to leave it and let it fall off my file in 2 years. However if it is enforceable I would li
  3. .. I sent off a CCA request six months ago which has not been provided, the account is in dispute, i have been receiving 'arrears' letters since. My question is, would it help to send back the latest arrears letter with a "No contract. Return to sender" label, or sit on my hands? Thanks Pencil.
  4. Can someone kindly advise how to calculate possible PPI reclaim amount ? I have calculated my monthly PPI interest amount figure using forum details located in which I have already paid over120 months but still have 60 months to expiry. Any assistance would be appreciated as I would like to know a possible figure in order to compare with Welcome's offer if successful.
  5. Today I received a white county courtclaim form from northampton for the MBNA Credit card 2008 – now with PRA GROUP - £2723 – defaulted 2012. On 12th Nov PRA Group wrote to me in response to my returned PAP form where I stated I dispute the debt because I need more documents or information Specifically I wrote: I need a copy of (1) the Default Notice, (2) the Notice of Assignment, (3) a complete set of statements detailing exactly how the debt has accrued detailing: (a) All Transactions, (b) Any additional charges, be them by the original creditor or you PRA
  6. I will be concise as this is not a confessional, if helpers need more information I will respond promptly. I am 67 years old and have seven creditors, one with CCJ. I followed the advice of CAG and offered what I could, a token £5 a month to each. These payments were set up and have run without apparent fault for about seven years. Since doing this I was evicted from my home of sixteen years (the reluctant CCJ with a very patient landlord) and had no valid postal address for some time. In 2013 I had to move to Germany for family reasons. My only income is my state pension and a very
  7. Hello I wonder if you can advise me. My son has had a loan from Money barn. He picked the car up and its been one problem after another with the car. He has phoned moneybarn to tell them, and they say they have opened a case but he should take it up with the garage. It is 14 days on Wednesday so does he still have time to cancel the loan and if he does should he send an email as well as phone them, he wouldnt have time to send a letter would he? Thank you for any help you can give.
  8. I attach a copy of a gym membership agreement, can I get out of it or have I just got to pay up please. clacton council leisure centre .pdf
  9. Hi guys, Been helping out yet another friend with some advice and as its some time since I advised on here regulary I thought i would get up to speed. My mate took out a Conditional Sale Agreement for a car with one of the subprime car finance companies. He made his first 3 payments of approx £260 Being self employed sometimes money doesn't come in quick enough and he was late with his next payment. They sent him a default notice The arrears consisted of 1 month instalment £48 of charges stated as administration costs He paid the 1 month arrears (but
  10. Hi, I am posting this as I require some urgent advice regarding a minor and an agreement. I am 17 years old and I got onto an online car auction and won. The vehicle is for £7,900 + VAT + 20% commission + vat, therefore the total plaice is around £11,300. However I don’t have the money to buy the car and I did not think that I will win the auction. I contacted the auctioneer about this and they said that in there terms and condition (which I agreed to over email) they clearly state the following: 1) if a buyer wants to cancel they must pay the 20% commission+ vat. Which works out at £1580+ Vat
  11. Hello all, I'm in the process of renting a flat through an established letting agent and they are taking a long time to send the tenancy agreement. I have signed a contact with the agency and made the initial payment for the first months rent 15 days ago, and should be moving in soon. Whats the course of action to take to ensure i get something in writing asap, as txt messages and phone calls do not work, it's always "will be with you soon".
  12. Hi all I am new the CAG i would just like to see if anyone could help or give me the best advice on bankruptcy on a personal agreement my partner and i are directors of a LTD company The LTD company had a debt with a supplier (not sure if i can post their name ) the debt was 11938.71 in March this year they sent us a statutory demand / winding up petition which we did not want to happen as thats our monthly income so if they wound the company up me and my partner would have no income to pay the debt off we agreed with their solicitors a payment plan of £500
  13. Hi all, I have no idea if the reconstituted agreement I have received from Link Financial is enforceable. It is a £6k debt with Barclaycard. Please can somebody advise me how to upload this for somebody to check if it is enforceable? Thanks,
  14. Hi fellow caggers, looking a bit of advice for my partner She opened a Halifax Rewards account in 2002 with her Ex husband They separated in 2011 and there was an OD on the account He sub sequentially left all the debt to her, he managed to remove himself from the account by paying a small amount, I will say he was a Halifax employee. The last payment into the account was feb 13 by my partner and the account was defaulted on her credit report in Dec 13 It was sold onto Hoist and is being managed by Wescot, we have not acknowledged the debt and sent them a prove it in
  15. hi , i have a loan from welcome F (secured) but on the credit agreement my address does not have the flat number of my home , only the address of the whole building as there is 8 houses in the building does this mean the agreement is not complete right?
  16. just got my credit agreement from them and noticed mortgage indemnity of £550 on it it was a secure loan of 5000 we got but with this added to it and payment protection insurance added the ammount of the loan has added up to £7142.05 ppi - £1357.05 plus the £550 for mortgage indemnity question is these 2 amounts probably get interest added every month have they the right to add this on - mortgage indemnity insurance 2 weeks ago i cancelled the PPI form them and told the feckers to recalculate my loan with them but need bit of help with the mortgage indemnity
  17. Hi everyone, I was wondering if anyone could advise on what I should do with regards to the following. Around 12 years ago due to various issues I found myself in debt for about 35K. I went on a DMP which for majority of creditors is still going, paying off regularly the agreed amount. About 4 years ago MBNA stopped taking the payment, I have now discovered that they sold the debt to Arrow Global. Over the past couple of weeks I have received some letters from Shoosmith on behalf of Arrow for the credit card etc. Would anyone be able to advise if I shoudl ask f
  18. I had a loan via satsuma loans (provident financial ltd) I started to find unaffordable. I did the right thing and rather than paying late I contacted them being honest and setup a payment agreement, which I have stuck to 100% and not missed a single payment since it was setup in may 2017. Despite this and the fact ive made major strides to improve my debt handling and credit record over the last 12 months its still had something dragging it down and ive just found out that its provident financial ltd. The record for them on my credit file is still showing as per the original loan
  19. Hi, hope someone can advise me on this. My letting agent is telling me that at the end of my current contract, they want me to sign a 12 month contract otherwise I will have to leave. I looked on my tenancy agreement and it states the following TWELVE MONTHS beginning 6th july 2017. If the tenant does not leave at the end of the fixed term, the tenancy will continue, still subject to the terms and conditions set out in this agreement, from month to month from the end of the fixed term until either the tenant gives notice that he wishes to end the agreement as set out in clauses 6 and
  20. HMRC calls on online marketplaces to sign agreement tackling VAT fraud READ MORE HERE: https://www.gov.uk/government/news/hmrc-calls-on-online-marketplaces-to-sign-agreement-tackling-vat-fraud
  21. Hi there I am guessing this is a common problem. Around 2 years ago, I received a threat from Cabrot regarding an £8k credit card from Halifax taken out in 2000 (I think - may have been 2001). I followed instructions and sent them a letter requesting a copy of the CCA and got the usual BS saying they couldn't find the file but I am still liable for the debt, the last I heard from them was August 2016. Anyhow, out of the blue. Yesterday, I received a letter from our beloved friends stating they had found said documents and they believe these were enforceable to obtain a CC
  22. Hi all, ive had a credit agreement back from IDEM servicing re my mbna credit card, please can you take a look over it please, thanks in advance Scan mbna.pdf
  23. I am a non-resident parent who has been paying maintenance via the CSA for years. I was aware that my agreement would be ending and fully expected to start a new agreement and continue paying for my non-resident daughter. My question is, as no-one seems to be able to answer it at present, if my agreement with the CSA ended on 13 February why should I have paid a full months worth of money to them in February? My new agreement with CMS starts on 14 February (some valentine lol) so technically I will end up paying twice for the second half of February. Now as this money is for my daugh
  24. Good afternoon I currently have an ongoing complaint which has recently progressed to a complaint being made to the financial-ombudsman. I recently received some letters from bright house regarding a late payment fee which say's on all 3 letters that the date of Agreement being 21-11-2017. Is this the actual day they claim the agreement/contract was made? As One of the items is a Television id took an agreement on in november 2014 and should of been paid of by now but which they claim over £1000 is owing on When challenged about this i stated that we had items 2-3 yea
  25. Background 4 years service continuous, rocky employment. Currently working my notice period due to evident constructive dismissal. Despite a grievance being submitted with my resignation no investigation has been commenced and a meeting was held where i was offered a PILON payment to leave that day. How do I approach a settlement agreement proposal with the employer it's an evident breakdown and It will save a lengthy tribunal process
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