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    • Thanks for the reply @Will Goodfellow tbh, that is what I suspected from the reading around in have done.   So HSBC wouldn't likely accept the certificate of termination alone or a copy of the proposal from Knightsbridge that we signed..?   But how would we make a claim for it from Creditfix?    Thanks
    • I'm pretty sure I was paying Cabot.  I had a phone call from Cabot at the beginning of last week in which I told them I was happy to cooperate but  would prefer to do so in writing.  It was after that I received the letter from WH.                       i
    • Good afternoon guys.   Just to provide you with an update, they are taking me to court under the TFL byelaws. I have drafted a second (esentially) grovelling letter, can you please advise on whether it reads well and on any parts I should take out? 
    • And again I see Vanquis getting mixed up with Notice of Default rather than Default Notice (there is no such document in English Law or the CCA1974) its an American Legal Document which is connected to Mortgages and Foreclosure)   Your default notice is attached to a Notice of Default ...which is dated...but look at the Default notice itself...its not dated....   A recent cagger lost his case on this fact as the judge accepted the date on the Notice of Default could be accepted as the start date as the letter connected itself to the Default Notice.   As for the agreement NA1 they state in their statement its a reconstituted version of the agreement relied upon......yet you applied on line so your name would not be on the agreement at this stage....as DX states it would simply be a tick box.   Look closely at the start of the agreement it refers to parties 1.2.......you yourself your means the person signing this agreement and whose name and address is stated on the Reply Card or Application.........which renders the alleged agreement as nonsense...as there would be no requirement for an online application to contain 1.2.   Andy 
    • Thanks for the reply @Will Goodfellow tbh, that is what I suspected from the reading around in have done.   So HSBC wouldn't likely accept the certificate of termination alone or a copy of the t&cs from Knightsbridge that were signed..?   But how would we make a claim for it from Creditfix?    Thanks
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    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
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well the fun has begun, PRA rang me today, didn't answer went straight to voicemail and a real person left a message, the other ones have all been standard voicemails.

 

I hope they would bankrupt me, I don't have £680, really surprised With MBNA selling the debt on so early, just 4 months into default.

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let it run

I would not go BK over consumer debts, absolutely no need at all.


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dx100uk

 

I have near £30k debt, i have no assets, I will never be able to pay this back. If I don't go bankrupt will threats or get ccj's and then threats of bailiff.

 

With bankruptcy its a fresh start after 6 year.

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not for consumer credit no.

so all the CCA requests you've sent have comeback as enforceable..have we seen them and commented?


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All the debts are between 2 to 6 years old.

 

Very unlikely they unenforceable.

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As said earlier

But still no reason to go no

They must help you!!

 

What is the route cause of the debts Please?


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just come back sorry for the delay in replying.

 

Personal situation changed, my expenses increased and unable to make payments

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in the debt collection section of our library

there are two letters

 

one - pro-rata - asks them to help and freeze int and charges - each debt still owned by the original creditors should have that sent.

if the OC's fail to help..there is a second letter stating sorry you've failed to help me..you'll now get £1PCM for life.

 

that process needs to be actioned on each debt.

 

 

I know you've sort of indicated what your debts are

but it will help those that want to properly advise

if you list your debts.

 

original creditor

type of credit

when takes out

how much owed

defaulted date/date of default notice from the OC

has this been SOLD to a DCA - if so who and when.

what are you currently paying.


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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