all they do is send letters with big bold red writing did that scare you then' of course it didnt go to court ..last thing they will do

Hi, you got in just in time, im away for a week starting in 21 min. From what you have said, it sounds like you cannot afford the debt and so are not going to contest the bankruptcy. The process from here is that you should receiver a letter from the Official Receiver by tuesday. This will have an appointment time for an interview. it will also have a booklet for you to complete. some times you send this back by post or sometimes you take it with you to the interview. If you do not receive a letter then you need to call the local official receivers office (sometimes the creditor does not provide the OR with yous current address

Hi kb_ba1 I have settled with mbna/A&L with a full & final that was classed as partial settlement, it was 25% of what I owed. not negotiated by myself, but a result of me ignoring all other letters of threats and offers of reduced settlement. I then answered a call from one of their agents who didn't ask for money or income & expenditure etc, just pointed out to me that the account was about to default as they do in appx 6 months, he then sugested that I could pay a one off payment (which was actually 3 payments over 2 months) which would be classed as partially settled and result in a default on my credit file for 6 years

Sar Orginal Creditor late again eerrrr post

you can ask them to do a partail refund via cheque. If you want to accept the offer then write back accepting it stating that you authorize £xxxx.xx amount to paid direct into the OD account to clear the balance and that you want the remainder £xxxx.xx paid by cheque sent to your home address within 7 days ida x

now youve seen nothing

It has EVERYTHING to do with racism. :-? The BNP is making it so. "anti-British discrimination". Oh ok, it's not racism, it's xenophobia. It's just the BNP doesn't use that word often because most of its members probably don't understand its meaning, least of all how to spell it.

I find the terms in which Sparks199 expresses himself to be utterly repugnant. There has been no Islamic colonisation of Britain. When anyone applies to be allowed into Britain his religion, quite rightly, is not taken into consideration. Since most of the Muslims applying for a sharia account will be British, I fail to see how there are can be any anti-British discrimination. Further, being a Muslim, or indeed of any religion, is not incompatible with being British.

Keep the letter from Littlewoods where they say they can't provide the CCA & when a DCA gets in touch send them this http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute including a copy of the Littlewoods letter.

Hi Lux Have a look at my thread... http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/211244-25-days-late-3-a.html especially page 3 post 49 there's a defence/claim there which could be adapted.

The LA is correct. When an AST rolls over to a statutory periodic tenancy, all the terms of the original agreement apply EXCEPT for notice periods. Under a SPT the tenant must give one month's notice, or the LL must give TWO month's notice, both to end on the last day of the rental period. Since your original rental period start date was 14th of the month, your notice must be given as from the 14th of the month, to end on the 13th of the following month. This above is legal statute and therefore not required to be shown in the tenancy agreement. Actually - you can move out whenever you like, but you are liable for the rent until 13

well i have a look at the, CCA IF THATS IS WHAT THEY GOT THEY ARE IN TROUBLE. May i suggest you get your hands on a updated application ie 2009 application see what the differnce is. So the fact would be, this is what they sent me then this what they do now. Why is that. As i am sure you are aware the CCA that you where sent does not have the requirment that is requir by law they did not make it clear in any way what you where signing up to Why because they did not want to This what they should have shown you Consumer Credit (Agreements) Regulations 1983 (2) Where any information about financial and rel

Why do you worry about the bailiff? He's nothing but a little scavenger, trying to pick your bones of whatever scraps he can lay his little grubby hands on. Do not worry about the council tax either. Before the council will commit you to (the in Europe illegal) debtors prison there will have been a lot of attempts to collect and/or make arrangements for you to pay. When you deal with this particular type of manure, you must be prepared to go the whole hog. You have already screwed up your credit file, so do not have any reason to think about your credit worthiness for the next 6 years. Now, follow the advice given here and continue your actio

Ell-enn is giving you good advice. If the arrears are capatalised along with the charges then you should be able to move forward. there are also posters here who have complained to the FOS about the high level of charges and soem have had then refunded. some lenders are under scrutiny for these automatic charges. Keep in communication with your lender and let us know what reaction you get

OK, the reasons for the set aside at the moment are as stated in your applic. However should the DJ ask why you think you have a defence I would suggest the following: 1. The agreement you have received form the claimant does not comply with the CCA1974 i.e. it is a multiple agreement but has been issued as a simple agreement & as though there is only one reason for the credit; there is not, there is also the PPI. Therefore the prescribed terms for both parts of the agreement should have been shown seperately & signed for seperately. See CCA1974 & corresp. regs: http://www.consumerforums.com/resources/templates-library/57-s

I just stumbled on this thread spammy. I suffer with a mild form of Dyspraxia. Similarly to your daughter I was diagnosed late on (last year of GCSE's.. so 15 - 16) I then went to college to do a course in electronics, but I got so little support back then (1992) that I ended up quitting. I was always the person that knew the most in the class, but getting it down on paper was a different story altogether. It was very frustrating. So it's taken me a long time to get any meaningful qualifications, I have been repairing computers since 1992, self taught, and have this year at the age of 35 passed my "Supporting Users and Troubleshooting a

Hello and Welcome, Yokomuto. I'll start a new thread for you, without doubt you could do it yourself with help from people on this site Regards. Scott.

not been here for a while, hope everyone is ok. I saw that prog and have to say, acting totally independently and before i saw the comments on this website i made a few calls for mark myself. i got bored of playing Billy Ocean down the phone after a while. Me: hi, i've had a letter through saying i could be taken to court, I think i need to make a payment, could i speak to mark please marlin F*******: (rubbing hands thinking of their bonus) yes can i take your reference number Me: well you see the thing is, when the going gets tough, its really hard to make payments Marlin: reference number please Me: I t