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? many thanks for any help/advice. Ricky

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 debts and saved some money and have a decent paying job. The couple of PDL lenders who didn't push me hard for the money at the time i decided to not pay back - I had particular anger against their lending practices. However, one now is pushing hard for payment. Originally taken out with Payday UK, I believe they have sold the debt on to somebody called Prac who have hired BW Legal to reclaim the debt. I ignored their usual threats - but I went on holiday recently and on my return i got a letter from them saying if i don't respond by 1st of July they will take me to the county court. The heading of the letter was letter of claim. Now the deadline has gone. I am aware of the PDL guide here but i have a few questions as to what my options are. 1). Is it too late to take the action stated in the guide since the deadline for response has passed? 2) Is the letter of claim the real last action and last chance i have to respond before attending a court? or is this another threat? 3) Can i still make a claim for irresponsible lending given the fact that these debts were taken out before the changes were made by the FCA? and given the fact that i am in a position now to pay it back? Any help appreciated?

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 this debt but cannot afford what they are demanding. Can someone please help me and advise my next step- I am at my wits end.