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Found 24 results

  1. Hi quite some time ago I got myself into some difficulty mainly as a result of several redundancies and a failed business venture. Due to this and feeling I had an obligation to pay my debts I entered into a DMP with Payplan. have been paying £150 a month again I'm finding myself in a redundancy situation have started to think I'm not doing the best for myself. I have a mortgage that I have never defaulted on and never had issues, I've never changed lenders whilst in the DMP, I have been making payments into since December 2011. I went wi
  2. I've recently received a letter from Fredricksons chasing a debt and advising me they may take me to court. I have copies of the Prove It and CCA letters but I'm unsure which one I should send. The debt does exist and is from before my divorce 5 years ago but I haven't acknowledged it or entered into any correspondence with them about it. Additionally, last year I received a letter from Bryan Carter solicitors about another debt and I sent a CCA request to them with the £1 postal order, they acknowledged receipt and said they passed it on to the creditor but I've heard no
  3. Hope someone can point me in the right direction. Mackenzie Hall have been chasing and taking payment for what was believed to be the debt owed on mortgage with Northern Rock after loss of job / and subsequent negative equity. This amounted to approx 27k going by Mackenzie Hall letters. A cca request was sent as per copy letters found on this site and they have replied with a copy of an agreement for a loan also taken with NR at the same time but for 8k. They only sent pages 1 & 2 of 5 if that makes any odds. Credit check shows the mortgage as settled and no sign of t
  4. Hi all, A little background ... In 2009 I sent a CCA section 78 request to MBNA to provide copies of my original signed agreement and terms and conditions. Nothing was forthcoming in the 12 day period nor the 30 day period. I then put the account into dispute and MBNA defaulted me (probably illegally?) in mid 2010. I sent everything recorded delivery and have proof that they received the letters. When MBNA realised I wasn't playing ball they sold the debt on. The debt was then sold on again at least once. I received various letters from 'creditors'
  5. Hi I sent a standard CCA request to Lowell, with the standard '12 working days to respond' clause. They responded within that time frame, but only to tell me that they have requested the original CCA from Barclays (circa 2005) and that they will respond as soon as they can. Is there a time-limit to how long they have to respond? Thanks for your help!
  6. Hi, I had car insurance 2 years ago with a company called Octagon Insurance, I did it online. when it came to renewal last year , I went somewhere else. Octagon in their infinite knowledge assumed i would renew with them anyway , so they sent me a renewal quote and promptly advised their financing arm - Creation.co.uk to deduct money from my account and set up a direct debit. I got my bank to refund the unauthorised DD, returned the insurance renewal sent by Octagon , but they have been chasing me for about £200 ever since then. I wrote to them to send me the ag
  7. I have a question that I have been trying to get clarification on in the threads, but I am little confused. If the answer is here already, please accept my apologies. I am trying to establish my options and what I am going to do, but DCA's are so often misleading and shifty that I am distrustful. I have an alleged debt with B*rclaycard, which was originally a card under the name of what we would find in a garden pond (not sure what I should include). The original creditor who I was with sold the brand to Lloyds TSB and then B*rclaycard. If valid, it is not statute barred at present.
  8. Hi Everyone, [goto post 73, details until them are wrong] I’ve found out recently that my mother and her partner took out a 900 pound loan out with Scottish Finance in 2002. Originally paying back 30 pounds a week for 2 – 2 ½ years until her partner died. She then paid either 15, 20, 22 pounds a month ever since. It was passed onto DLC in 2008 and they keep calling her to increase the repayment amount, even though they know, she’s on the basic state pension. I’ve been to the CAB and they gave me a CCA request to send off, and then return to them with the reply
  9. Hi all, Longtime no speak. I am after a little advice. The back ground is as follows:- My wife has two CCJ's going back to early 2008 for HSBC Loan & Credit Card accounts. The original defaults/last payments on these accounts go back to Jun 06 and Jan 07 consecutively. These payments were made after the accounts were transferred to the DCA CL Finance. Recently, these accounts have been chased by the DCA's Zinc Recoveries and Lowell Portfolio I Ltd. I sent a CCA request to both of these DCA's on 17/10/11 and neither have been able to produce any CCA's etc. I received a repl
  10. In 2009 I requested a CCA from Barclaycard and SAR. No response. I put the account in dispute until I received relevant terms and conditions applicable to me at time I signed Barclaycard in 1998. They kept sending me current terms and conditions. At this point I no longer had use of the card and had not made payment for some years. in 2010 unknown to me Barclarcard has entered a default for the same credit card twice. What should I do? Do I dispute the default? Any advice appreciated.
  11. Hi folks, Quick background: DCA (Wescot) kept referring me to their client (RBS) whenever I made a CCA request. Taking advice from the forum, I made the CCA request direct to RBS. Their deadline for compliance was 07/10/11. They have now sent me a package of copy documents under a letter dated 10/10/11 claiming to fulfil their obligations in a s78 CCA request. The first copy is an alleged credit agreement. Whilst I recognise the name and address (I've moved home a lot since that address), it's a single page headed "Credit Agreement regulated by the Consumer Credit Act 1974".
  12. Hi, I would be extremely grateful for some help with this. I have sent a letter to Barclays requesting my CCA with a £1.00 PO. They have replied back to me saying: Dear Mr R, Thank you for your request for a copy of your CA and financial statment. We are pleased to provide you with a copy of your F.S. Sections 77 & 78 of the CCA 1974 (as amended) DO NOT require B.Bank to provide you with a signed original form of the C.A.and in accordance with the act it is not the policy of B.Bank to provide this. This was for a Loan taken out online for £10,000.00 on 5th June 2008
  13. I have recently run into Cabot Finance, an experience that I would not wish upon anyone . The problem I have is as follows: 1. Following the sale of my house due to mental illness in 2001, I asked Barclays to close the current acount associated with my mortgage. 2. In 2009, whilst checking my credit file I was made aware that there was a default against my name logged by Barclays. (I have a copy of this credit record). The debt had arisen, not because of a credit agreement per se, but because Barclays had made an error. The debt was the accumulation of account fees that had been char
  14. I'll admit, this might be a bit cheeky, but I'd like to know if anyone has any details on how efficiently First National Motor keeps their records. In 2003/4 I took out a car loan with them. In 2007, due to difficult personal circumstances, I couldn't keep the payments, and ended up in court. Since then, apart from a few letters from Banner Jones solicitors, I've heard nothing, so haven't been too stressed by it, however, I now could do with a different mortgage, and have 1yr, 51 weeks to being ccj clear. I'm tempted to write to them and ask for a CCA, but am a bit concerned about the be
  15. 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....
  16. Hi I received a letter from dcl In June in respect of a Welcome Finance Loan, I sent off a CCA request non recorded on the 23rd of June. Up until yesterday 18th July I had not heard from this company, so I prepared a letter advising that I was placing the account in dispute. Today 19th July I received the following letter. "Hillesden Securities Hillesden Securities Ltd. BUCKINGHAM ROAD BRACKLEY NORTHANTS NN13 7DN Mr X Xxxxxx 18 July 2011 Dear Mr Xxxxxx Account Number 1xxxxxxxxx0 Formerly Welcome Financial Services Ltd xxxxxxx Thank you for your letter dated 23 June 2011
  17. I put in a request under CCA section 77/78 to pheonix collections I left it for 40+ days and still got no responce. I decided to log a complaint through my equifax account online and got a reply within days.. Response (Administrator)14/06/2011 03.10 PM Good Afternoon, We can confirm that we have received your request for a copy of the credit agreement in regards to this account. We can confirm that Shop Direct have been unable to provide us with a copy of the signed agreement for this account and have therefore requested that we close this account. Please be advised that you wil
  18. Hi, I am being chased by Natwest solicitors Incasso. I requested CCA but they say I do not remember any judgment against me. What should I do?
  19. I am after advice on how to go about sending CCA requests to payday loans and catalogues. Here is my situation: 1. Quickquid loan- owed £1069, currently with mckenzie hall repaying at £15 per week with standing order- originally a loan for £900. 2. Wonga-owed £700, currently on repayment of £10 per week with standing order, roughly £600 left to repay. 3. Txt loan-owe £100, with interest £117 is due to be repaid on the 12th of this month.- they have my current card details. 4. Payday express, owe £400, rolled over once already for £100, now £500 due to be repaid on the 15th of this m
  20. Hi, recently my wife was being chased for a dept so she asked for the CCA. after some time they have now provided a CCA with my wifes signature however they have said "For terms and conditions please refer to your catalog, they are printed within there" my wife no longer has an agreement with the catalog company as this was terminated and passed to the DCA. The terms and conditions they would be referring to would have been printed in a catalog that was issued in 2007. my wife doesn't have a recent catalog as she no longer has an account with them. my question is Does the
  21. Hi everyone Received a doorstep visit from an 'agent' of Credit Security today, in respect of a disputed M&S Money agreement. M&S were CCA'd in September 2008 and failed to comply. (They sent only a copy of T's&C's). This is the culmination of long ignored correspondence from Credit Security, which has now reached the point of them threatening Court and the doorstep visit. I've now compiled the attached letter, partially using a CAG template. Any comments and observations would be much appreciated before I send on Monday 17 Jan. Letter.140111.Anon1.pdf
  22. Hi All, I am in need of some help ASAP, basically I had a phone contract with o2 2 years ago which I terminated early and was charged for. I refused to pay based on the fact that the reason it was cancelled was due to the fact that they changed my tariff and would not change it back to the original one that I signed up for... anyways 2 years later I began to get letter after letter from the "lovely" people at lowell financial, this was also topped off with many calls to the point where I started to make payments even though told them that I did not have enough money coming in to make the
  23. Hi Guys! This is my first post so please excuse me if I have posted in the wrong location! Basically I really need as much help as I can get I am currently having problems with littlewoods who have placed various charges on my account. I sent a cca request with the fee on the 16/07/2010 which they sent back to me on the 6th August, minus the fee with a note attached saying "Please provide correct account reference/ previous address details" Now silly me I missed a digit of my account number on the cca request, but I am wondering why they would need my previous address as surely
  24. :confused:Hi Guys, I recently sent a CCA request to Marshall Ward (16/07/2010) and a few days ago received a response stating that they could not locate a copy of an executed agreement for my account also for my informaiton they enclosed a copy of the current agreement which applied to my type of account. They then told me the date that the account was opened, the amount currently owed and the amount paid in the last 12 months. I dont think that they complied with the CCA request and I would like some advice as to what the next step would be, if anyone has a template letter that I co
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