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  1. Hello All I have a Welcome Finance CCA which for one reason or another has been bought by MKRR. I CCA'd them last September, and they have sent me a copy of the front page of the agreement with no T&Cs, but the thing that is puzzling me is the figures stated on the agreement. They are as follows: Total amount of credit = 2945.43 Payment over 65 months APR = 20.80% AIR = 19.6% Total charge for credit = 1805.93 Monthly Payment = 73.07 Made up of Acceptance fee = 75.00 Interest Charge = 1728.93 All well and good, and I am no accountant, but I have work this out
  2. Good morning all, Please could anyone advise if this is an enforceable CCA - received from Lowells for a Vanquis credit card. They've added a sticker with a company reps signature over the date with my signature, which is oddly located - I always sign squarely in the centre of any box. Plus are the elements all correct as I have looked but just not sure. Many thanks in advance.
  3. Hi peeps Sainsbury’s / Lloyd’s cca sent back. I won’t scan the rest up ( I don’t think I need too ) it’s just freshly printed reconstituted version. This defaulted back in 2009 Card was WELL before 2007 I guess it’s just Bog roll ? They sent back the cca postal order (£1) Thanks everyone Scan 19 May 18 R.pdf
  4. Hi Recently received a reply from Amex in reference to BA Amex card from 2005. Attached is what they sent. Can you please advise if this is enforceable in court of law? Thank you. Amx.pdf
  5. Got a letter before action letter from a spreadbet company, stating I owe them £3k, as my account is in debit. I havent used this account for 11 months. The debt was caused by the Swiss National Bank removing the peg, so a small bet (in wrong direction) wiped out my account and more. A bit like this: http://www.telegraph.co.uk/finance/personalfinance/investing/11562202/How-370-investors-lost-18m-in-minutes.html Is this debt enforceable in a County Court? As its not regulated by a CCA, but it says in their T&C that debit balances need to be made good. What s
  6. Scenario: Credit Card debt now with CLS, dating back to 2010, arrangement in place for £1 per month since then. Still paying. Nothing on credit record. CLS asking for lump sum to clear account and mark as partially cleared. This fell off credit record last year. Can it be reinstated and marked partially cleared? Any comments or advice please? Thanks.
  7. Hello anyone out there who knows what's what re CCAs and DCAs etc - will cut short a long story, an original creditor defaulted me 2/3 years ago on a credit card debt, on assigning the account to a DCA, registered amount owing at £0. DCA wrote demanding payment of original debt and I replied giving reason I believed debt to be unenforceable - DCA replied saying would look into this and usually required 4 months to do so. At end of 4 months, I noticed DCA had 'updated' the default, with original amount said to be due, without notifying me, this being some 5/6 weeks ago -
  8. Hi, I am in a bit of a quandary and would be very appreciative of some advice. I'm currently renting a property with a fixed 6 month Assured Shorthold Tenancy Agreement (it's a shared house but we all have our own contracts) which commenced at the start of May. The landlord wants us all to move out so essentially he can extend the property and rent it out to more people in the future. He's offered an alternative property but I'm not keen on it because it's got a smaller kitchen, is in a different area, has no dining room and is more expensive (it has a private bathroom). As such I don'
  9. I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first?
  10. I'm assuming there is a precedent to this. I have a debt to the Council for back Council Tax which I have been paying back as and when I can afford it. Today Bristow and Sutor sent an enforcement agent (who told them he was a bailiff) while I was out and luckily they did not let him in. Nothing, apart from a few items such as my bed and an old stereo which is worth pretty much nothing, on these premises belongs to me as I am just a lodger here and the room is furnished by the landlords. I have never denied that I owe something but the amount is in dispute I have told
  11. My wife CCA'd the RBS regarding her credit card. They have sent back a copy of her application form (below) and a copy of a 7 page Credit Agreement. The copy of the credit agreement is unsigned (in fact there is nowhere on the agreement to sign) so I imagine if thats their best effort, the agreement is unenforcable. What do you think folks.
  12. I am trying to get my finances in order and have been reading up on forums about those who have had successes dealing with DCAs, but unfortunately my accounts don’t seem to make sense. I have four default accounts on my credit file, showing a D sign every single month on my account, but I have three payments from DCA going out of my account two I know why I am paying but PRA I don’t know what its for, and the two bank account overdrafts I have defaults for I don’t know what is happening with them and what to do. Should i send out CCA letters to all creditors including barclays and
  13. Hi I am new to this forum , although did originally have some excellent help at the end of 2009 , from the original Penalty charges forum on other debt matters , so Im desperately hoping I can gain some help now in dealing with this final matter that is still ongoing since then and has now escalated to a CC claim being issued . Firstly I sincerely apologise for the length of this thread , Im just now desperate to know best action to take and so wanted to try and included all details that would be required. Im in a position of not knowing whether there are any grounds fo
  14. Looking for a bit of advice. I was at my local supermarket this morning with my 2 year old, who we have just started potty training. As we entered the car park, he told me he needed a pee. Which, at the moment, means he literally is about to do a pee right now! I therefore parked my car in a total rush, and inadvertently parked in a disabled bay. (I saw the hatched area alongside and wrongly assumed it was a mother and child space). Took him to the toilet in the supermarket, did my shopping, and came out to find a parking ticket on my windscreen. Grrr! It was a
  15. Hi all, I'm afraid that I've been a bit silly. My son has lived in a flat for years with some old friends and recently one moved out. They replaced him with another boy who they didn't know and had to sign a new joint tenancy agreement. With the first one, I filled in an application and signed a deed of guarantee in addition to signing a box on the tenancy agreement itself saying 'Guarantor'. All of the other parents did the same. This time, I only saw the page I needed to sign and signed in the Guarantor box, didn't fill in forms/sign anything else, as did the
  16. Hi Everyone, I'm new here, and looking for some help if I may. Many years ago, I had lots of financial difficulties and have spent the last 10 years trying to put everything in order. Various creditors were paid, some have become statute barred. Which leads onto now. I was under the impression that I was finally debt free, until this weekend when I checked my Credit File with Experian, and found that on the 3rd July, a CCJ was registered against me from Howard Cohen & Co, chasing an old joint current account overdraft of £1811.23. I haven't had any dealings with this
  17. An old old debt has come back to haunt me. For the record, I have not responded to the debt collection agency (DCA) and have at this stage, no intention of doing so. However, if this is the 'debt' I think it is, it seems to have been purchased by another DCA. The last correspondence I had with the previous DCA was, I think, over 10 years ago. What I need to know first is this. Is an old judgement (probably 1998/1998) still enforceable even after years of no-one chasing it and even if another debt collection agency has purchased the debt? What I then need to know is this. Can I reques
  18. I am due in court a week on Thursday for an old credit card debt which was sold to Lowell in June 2013. I received the claim form from Bryan Carter back in September and asked them for a copy of the credit agreement upon which they are relying prior to entering my plea. They refused to do this and I filed a defence on the basis that they could supply no proof of this debt. They then sent me a Tomlin order to sign to avoid court I again asked for a copy of the credit agreement which they again refused. Today, they have filed their witness
  19. Hello, I got a CCJ and didn't defend it in time. The judgment was entered and since then Robinson Way have gone for a charge on my property. I have tried to stop that by offering to pay something in installments. The case has had to be moved from our local courts to one in the nearest city as it has closed down. What I would likt to know is is there any way I can perhaps ask the claimant to produce documents and if they fail have the case set aside or has it gone way past that now? Hope someone with some knowledge can lend a hand to a normal joe.
  20. Hope this is in the correct place? Would appreciate some views on whether this would stand up in court - have no intention of it getting to that stage but am wondering how it would be possible to get out of the obligation - aware that the tenancy wouldn't continue if no guarantor was in place. This makes no mention of the amount of rent due, and no word in this states it is a deed or to be taken as one. It says "this AGREEMENT is made BETWEEN the Guarantor and the Landlord Guarantor _____________ Address _______________ Landlords (Agents details) Address (Agents addr
  21. In 2007 my fiance took out a loan with welcome finance. They came to the door out of the blue (just happened to be in the area!?) and he was told they could get him the credit the next day if he signed that day, he was told he wouldnt be approved for the loan if he waited any longer. He then signed as he desperately needed some money. The loan was for £2000 for a period 36 months. Total charge for credit would £1814.92 with an apr 60.35%. The PPI box is ticked though my fiance was not asked to sign underneath the box where it is stated he should. It also says that by signing this ag
  22. Hi everyone, its me again with another debt. Stupid me got burden of debt. I received a copy of my agreement with no terms and condition. I also received few statement showing my token payment. What I have also noticed from the statement is, credit limit on Capital one credit card was £1250 however debt went up to £1694 after I enrolled with DMP. I guess they are all late payment charges. I have already sent SAR to Capital One. Now my big question is, is this debt enforceable at court of law? Is there anyway I could get out of this? Sh
  23. I under duress signed a personal guarantee to my CA for invoices outstanding by my limited company. He forced me to sign when he realised liquidation was looming. My company was liquidated by HMRC and he is now chasing the amount due personally. He has closed down his accountancy firm and assigned the debt to himself. He is seeking payment to him personally under this guarantee I made to his company. Can he do that??
  24. Hi all, Could you please tell me if this credit agreement is enforceable? 1st credit are chasing it and have placed default against my name for 474£ The problem is i don't remember taking loan from cash euro net uk/quick quid! It took 1st credit 80 days to send me the credit agreement. I'm still waiting for default notice from them. Thanks kb
  25. Hi all, I'm posting this on behalf of a friend who has no internet access. She has been receiving letters for about three years from a well-known debt buyer whom she doesn't want me to name. She's very nervous about anything being on the forum. She took out a credit card in the 80s and could not afford to pay when her circumstances changed several years ago. First she got letters from the bank, and then they sold it on in 2010. She has only just told me about this. Apparently the debt buyer has written to her many times and they have sent a microfiche copy of one
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