Evening people. got a bombshell of a letter today. 8/6/17. to the tune of £11kplus. the guy that sent the letter says we appreciate you may find it difficult to pay it back all at once (must have went to uni this guy) but if you can send the dosh to blah blah. please fone us to confirm you received...

Before i get into the full story can anybody clear up three points for me please? I have read some conflicting information about how long an NH marker stays active. I thought it was six years but Im sure I read somewhere on here that it was rolling 13 months assuming no other issues were flagged to...

Hi there,

I reviewed my credit file today and saw that I have a default recorded by O2, which was under my closed accounts, for £20. Of which I paid anyway. Bizarre.

Apparently the account defaulted in July 2012 and I had no idea this happened. And especially for £20!!...

Hi there,

I have a £8.5k debt with PRA from 2005 and requested a CCA last month. They responded stating that the amount was unenforceable as they couldn't find the original credit agreement.

I responded with a 10% offer to close the account stressing that it was unenforceable...

Evening.
Starting this slightly unusual one as it relates to a current account overdraft and a request for its credit agreement given the newer rules on overdrafts.
The newish rules say that a credit agreement is required for overdrafts after 2011.
In this case however the 'draft was...

Good evening.
My query is if anyone knows off hand about remortgaging an existing equity release which provided an initial lump sum then a monthly payment. The sticking point is that it appears that the monthly payment cannot be stopped unless the whole existing amount is redeemed. The wish...

Good Morning,

I currently have a debt of £13.6k with Capital One and currently in the process of negotiating an F&F payment.

Following advice, I requested a copy of my original contract signed with Capital One back in 2005 but now need this reviewing to see if it is...

He waited to be alone as we had been taking in turns for shifts and my nephew was there last night - but at 2.30 he went out for a cigarette and when he came back dad had gone .

At 2.30 I had a dream that my dad lifted his arm and waved to me from his death bed , then i received the...

Quick question, my wife's business has recently dissolved as yet my wife who was the sole director and employee of the business hasn't completed her personal tax return.

What is the best way to complete her return, she never took payslips, only bank statements... how would HMRC check...

We've been told my dad is in the last stage of his illness. He's bedridden now and has lost the ability to swallow most of the time , he isn't eating and barley drinks.

He's in a care home and our doctor spoke to my mum about what care she would like him to receive. She decided to keep...

I need help as I am in the unfortunate position of being in dispute with a builder who was doing a building job for me. I sacked him before he finished the work because he is incompetent. Not only that but he lied to me, didn't turn up most days, had a near miss involving a neighbour and generally...

Hi All

As part of my journey back from Bankruptcy, I have three Credit Cards:

Vanquis £4000 Limit
Aqua £4350 Limit
CapitalOne £1750 Limit

I've just come into some money and cleared all balance on those cards.

My credit rating is still...

Have been onthis forum for nearly 4 years. I have been quietly getting on with the unenforceable route with five different debts.Everything has gone well until today when I received this letter. I am unsure as to my response as I still have not received a proper signed original agreement from a CCA...

So after months of deliberation I have decided to go down this route. I have debts both pre and post 2007 that are still outstanding. Is it worth sending off for post 2007 agreements as I get the impression these are exempt. Also do I send to the original lender or to the DCA? Any advice, including...

Hiya,



I wondered if anyone can offer some advice?


I a moving to a newly built house- due to get keys /complete on April 28th. I ordered (and paid for in full) a new carpet back in the January sales but have now got an issue that the house (which i have...