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  1. Hi all, I have had a LLoyds tsb credit card for sometime, but have fallen into financial difficulty. I have been making reduced payments through CCCS for the last 6-7 months. Arrears have built up on this account and i have now received a default notice. The link for the default notice is below:- http://s740.photobucket.com/albums/x...yds%20default/ The above link also includes the credit card agreement which was received with a new updated card. I believe this was in may 07. Can anyone advise me as to the eligibility of the agreement and/or the default notice?
  2. Hi, Seems like a lifetime ago now, but for many years I was a compulsive gambler. I funded this mainly through pay day loans and credit cards. RE:Payday loans I got into the trap of borrowing from one lender to pay the other, at the time I was either unemployed or low paid. In each case of borrowing, it was unlikely i was ever going to be able to pay the debt back - a simple credit check would have shown this and i had many defaults against me. After hitting rock bottom - fast forward 5 years i have turned my life around, paid back most of my d
  3. Hi I need someone with the expertise for help. I had an account with Littlewoods everything was fine but due to my partner and myself in and out of work I found it difficult to keep up with the repayments. Littlewoods then passed it onto Lowells and being new to all this I agreed to make payments to Lowells but I cannot and did not keep up with their demands. Today I have received a LETTER OF CLAIM from bwlegal demanding I pay £180.00 by 15.1.15, if I don't then they intend to issue a claim against me in the County Court. I have every intention of paying th
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