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C.I.B help needed please

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Hi all im new and im sorry if im posting in the wrong place or if there is a message board somewhere for this, im a little lost lol


My son signed up for a train 2 game course almost a year ago, he has found it difficult to keep up the payments but spoke to them recently and agreed to pay a fixed amount fourtnightly. However today he has received a letter from The Credit Information Bureau stating that he has to pay just over 4K by noon on Friday or a High Court writ or County Court Summons will be issued against him without further notice!


Obviously paying 4k by Friday is impossible and we are both rather worried by this letter to say the least!


Any advice on what we do first and how to handle this would be very much appreciated, I have never had a letter like this before and have no idea on what we should do.


Please help



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Its a credit agreement with career development finance ltd because he missed a payment it was passed to the Credit information bureau. He got a letter from them on the 4th of feb saying his payment had been declined and rang them that day and made a new payment. They said it had gone through fine and they agreed he could make a fixed monthly payment. The next thing we got was this letter in the post today.

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Not dealt with that outfit before, but it sounds like they have ended the credit agreement prematurely by demanding full payment so soon.

One point to note is that you should do everything in writing when dealing with this sort of thing. That way you have a 'paper trail' if things get nasty. They will just deny they ever made any agreement to a new fortnightly payment plan over the phone.

This could be a case of 'Unlawful rescision'. They have to send you default notices first and give you a chance to put the account right before they can demand full payment.

Hopefully someone with more knowledge will be here soon to advise you better than me.


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You could send them a SAR http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca which will cost £10. With this you should get back all the data they hold on him which will include a copy of his agreement. In the request list that you want copies of the CCA, transcripts of 'phonecalls, copies of any default notice etc.

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They have 40 days to provide the SAR so in the meantime send a CCA request which costs £1 to CIB, it'll give them something to do for the next couple of weeks as they've got to provide it within 12 working days of your reaquest + it'll put a halt on them applying & getting a CCJ for the time being until we can sort out the SAR. http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter


I should have said earlier the SAR should be sent to the original creditor.


Don't ring anybody, everything from now on needs to be in writing. ;)

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