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    • Our price is the same all day, but varies day to day. Yes there's a risk of high prices but it has never gone above SVR any time since I signed up. Last 30 days average 17.67p/kWh, max 20.67 and lowest was 11.83.  It saved just under £300 during 2023.  
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    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
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    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
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crap one credit agreement


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hi

a while back i posted to say that lowell were persuing my husbund for money on a credit card we didnt know exsisted!

 

well after many months they have sent the application certificate!

it has a little box at the bottom saying credit card agreement then there are several pages of bumf it doesn't state a credit limit ???

to be honest im at a loss, the signiture looks like my husbunds but he had a car accident after this was taken out and is severley brain injured he has no memory of this debt and when i took over the finances i have never seen a bill for it!!! i dont know what to do i shall scan this in and then see if any of you clever people can help!!!

 

thanks

 

lalou

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If you upload them to TinyPic - Free Image Hosting, Photo Sharing & Video Hosting & then copy and paste the URL back here we'll be able to see them.

 

Left click the 'choose' button & a seperate window will open, choose which file you want to upload and left click 'open', the window will close then left click 'upload now' button. Your document will upload to tiny pic & the page will refresh giving a list of links. Just copy & paste the Url link back here & we'll be able to see it.

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the pages that came with it have

this is the agreement between you and us

 

1. use of your information

 

2. issuing the card and credit card cheques

 

3. extra cardholders.

 

4. credit limit (describes what it means but not the limit that has been set for the card??)

 

5. protecting your card

 

6. pin and password

 

7.using credit card and cc cheques

 

8. monthly payment

 

9. monthly statement

 

10. financial and related particulars

 

11. prepayment

 

12. other charges and default charges

 

13. foreign transactions

 

14. optional payment insurance

 

15. default

 

16. lost or stolen cards

 

17. notices and address

 

18.variation

 

19.closing your account

 

20. ending your agreement

 

21. general

 

22.definitions

 

23. governing law

 

24. allocation of payments

 

your rights

 

if you need to see any of this i cn scan it just say which one you need

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i have not made a payment to them since i took over my husbunds affairs which is just under 6 yrs ago. he is brain injured and so doesnt remember anything before 2004 (2003 was in a bit of a haze pain medication brain scans etc) i would have known if he had had this card so cannot work it out. we never had letters or anything about this until lowell started hounding in febuary!!!

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