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...
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Arrow Global Limited ( Restons Solicitors Limited ) v buffy300577 - Issued 2 May 2017
Your AAD Forum Username
buffy300577
Name of Claimant
Arrow Global Limited
Name of Claimant's Solicitors
Restons Solicitors Limited
Claim Issue Date
2 May 2017
Who Signed the Claim Form?...
The Solicitor Firm (i.e. -
Bailiff Visit
Hi Guys,
Need some guidance here. I sent 3 repeated letters Lloyds asking for proof of debt/original contract/claim against me/original credit agreement) have now passed it over to Fidelite DCA and rather than sending me several letters like others demanding payment they are going to pay... -
The start of a debt free life
Hello all, just a little about me - my hubby and I have found ourselves in big debts altogether, and after browsing through this forum over the past few days (which has already turned out to be super helpful and supportive) we both made a decision yesterday to stop making payments in anticipation of... -
URGENT HELP PLEASE - Letter from Restons Solicitor
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... -
OC has combined amounts from current account and credit card
One of my debts (no. 21 in my UE diary) is the combination of the overdraft from a First Direct current account and a First Direct credit card. I sent a very inaccurate CCA request to Metropolitan Collection Services last December (before I found AAD!) and in their reply, HSBC chose to concentrate only... -
fidèlité card!
Well I came home today and my sister said a man left you this envelope was trying to demand your mobile number! .
In the envelope was a card from fidèlitè credit management saying I have to call to discuss my account.I have no idea who these people are!.
I did have a... -
Sale of Debt - CCJ
Hi Guys
Wonder if anyone can offer some advice on the following.
In 2013 i was issued with a County Court Claim from an original debt owed from a defaulted balance - default date 2011.
At the time i was making agreed monthly payments and my offer was to continue this at the... -
Capital One asking for proof of income and to fill in income/expenditure form
Hello all!
so i used the template here to settle a balance with capital one, they rejected it and also the £1 offer a month.
the balance is only £77.
they sent a letter asking me to fill in the income/expenditure form which is expected but they are asking for my wage... -
Help with Default and loan agreement
Hi everyone, I hope someone can help.
A few years ago (2013) I took out a business loan through one of the UK's Start Up Loan delivery partners; long story short the biz didn't go to plan, so had to revenue to pay back the loan (which was £6,000).
Anyway, I recieved a default... -
Credit Card Agreement
I asked for an original credit card agreement from my creditors only 1 company responded, which looked like a photocopy which someone in their bedroom and cheap printer has made up.
Question is when you sign up for credit is their a proper credit agreement like an original not photocopy... -
BEST WAY OF CHASING OUTSTANDING INVOICE
Good morning,
I am trying to help my Son - he has an outstanding invoice from a customer who is point bank refusing to pay for several tons of pea gravel - the total outstanding is over £6K!
The building supplier is aware of her stance but ultimately I think my Son is liable.....he... -
what can you claim back from store cards?
hello
has anyone claimed anything back from store cards?
if so what can you claim back?
i know you cant claim the interest back that they charge on each statement but can you claim fees for late payments? being over credit limit?
thanks! -
Pounds to Pocket
anyone received this email response when trying to claim back interest on a loan:
Dear
Customer ########
Thank you for contacting Pounds to Pocket. The contents of your email were duly noted. We apologise if there was any delay in responding to your complaint.... -
Advice on having small debts written off while on sick
Hello
this is my first post here
currently i have 12 creditors and the balance on 8 of them are all under £150, with me being off work currently due to health reasons i was wondering if its worth writing to these creditors and asking if they will write the debts off due to...