This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

:???:I had arrears of £14K from a rip off loan (including all the interest that was added on immediatly at point of sale)... Egg have now uphel a complaint from me and paid over £7k in compensation for the PPI added on but now the debt company Arrow is chasing me for the rest. It doesnt seem fair that I have to pay all the reste coz if I had the £7k in my hand I could have insisted on a settlement figure and I am sure they would have accepted as I am currently repaying it at only £10 per month. Can anyone help or advise? I really want this debt to disappear as I feel I wouldnt have got into debt if they hadnt added all the rubbish on it to begin with. Thanks guys.

From Santander...transaction summary account showing a balance of £670, when I phoned the number 0114 270 4050 its a very strange message that just says someone will be in touch if the account has been passed on. I closed my Abbey account 4 or 5 years ago and haven't heard a peep from them since they settled my overdraft with bank charges etc about 3 years ago. I phoned santander on the normal number who didnt know what I was on about and said it is a possible fraud, but why would a fraudster have a recorded message to me so nobody is asking me anything and they already have my old bank details anyway!!! Can any of you guys shed any light on this matter because it looks like a lot of folk are beginning to get these letters? What do they mean and where can we get the information if there is just a recorded message and Sanatander are syaing the account is closed!!! WEIRDING ME OUT!!!!:?

I just received the exact same statement from SANTANDER showing a balance of 670. I closed the account and did not owe anything as the charges they repayed me etc cleared the account. Santander are saying it is a fraud letter but the rep I was speakin to was like a trained monkey and couldnt converse about anything out of the norm. He gave me the fraud number which is only open during office hours! hahaha OBVIOUSLY!! People dont steal after 5! I am very confused as to what all this means ?????????

:mad:Some body rang my neighbour asking if I lived next door, has anyone ever heard of this. My neighbour said he said he was from the scottich post office and was trying to deliver a parcel to me!!!! My neighbour confirmed that I lived next door but he wasnt sure of my surnmae 100% . I am furious. Can anyone advise????

I just got all my statements (copys) from sharklycard and am not sure what I can claim back. There is PPI on there, another thing called Accident death CVR. I dont even know what that is!!! There is interest on cash, interest on promotional spending, interest on standard balance, late payment charges, exceeded limit charges, over credit limit charges. WHAT ON EARTH CAN I ASK THEM TO REFUND ME OUT OF THAT LOT???? Please advise ???????????

Even though my other creditors who I owe far more money too have accepted a reduced offer of payment, Barcalycard have refused and are threatning debt collectors! I have sent them an expenditure form along with proof of earnings yet they want me to make a higher offer? How can I? I cannot print the money myself!!! Any advice guys???? Even if they take me to court they would have to send me to prison becaue i cannot just STUMBLE across more moeny to give them! The offer was pro rata and fair to all my creditors. Please help?

the debt is in my name only x

Quick update, got typical answers from barclays, ts and cs but no signatures etc (intend to fight them) got a signed egg agreement from moorcroft (I am making an offer of monthly payments altho a very small one due to my circumstances) Lloyds have completely ignored the cca requests and are just demanding payments (is this account in dispute?) shop direct have admitted they dont have a copy of an agreement so (I will offer a very small monthly payment) and cl finance havent even responded either (account in dispute). Can anyone clear up the charging order on your house threat? I do have a mortgage in joint names (not married so different names anyhow). As the debt with moorcroft is 12k and I am gonna offer a £10 monthly payment, I feel they may make this threat. Can they do it even if the mortgage is NOT in JUST my name only? Does it have to go to court first? My partner doesnt even know about this debt and if they put a charging order on our home, I fear I will lose more than just my house. Please advise???? Thanks everyone. x

received this from cap one..... please find enclosed a copy of your credit agreement as requested. In accordance with section 78 of the consumer credit act 1974 and the consumer credit (cancellation notices and copy documents) regulations 1983, this is your original agreement and if any terms have been varied then the copy agreement will include the updated terms. In addition, your personal details, the signature box, signature and date of signature have been omitted from the copy provided as permitted under regulation 3 of the consumer credit (cancellation and copy documents) Regulations 1983. Your account is in default and the amount currently due and payable is ..... Under section 78 we are not required to provide a copy of the default notice and statement of default. However we can confirm that a statement of default was issued on .... June 2009. They sent me t and c's and a credit agreement, no signature! Pleeeeease can someone advise me what to do next? Is this usual? Do they have to provide me with my signature??? Getting scared again! Gulp! xx

If you are sorting out your debt with CCCS and a debt management plan they give you a reference number to quote to all your creditors everytime they contact you. It stops the hassle as they can see its being dealt with rather than just left.

Sending today, this is the correct one isnt it??? Dear Sirs, Account Number: XXX Re; your recent reply to my request under section 77-79 of the Consumer Credit Act 1974 I note that you have replied to the above by sending a copy of an application form and your companies current Terms and conditions I must inform you that this is not sufficient to comply with the request and that your company is still in default under the act. To clarify, just sending the Terms and Conditions is a breach of the Act and Regulations as, apart from the information that the Regulations provide that you may exclude, the copy must be a “true copy” of the agreement. This breach of the agreement can be demonstrated as follows; As you will know section 180(1) (b) authorises, “the omission from a copy of certain material from the original, or the inclusion of certain material in condensed form.” This refers to statutory instruments made under the heading Copies of document regulations and in this care in particular to SI 1983/1557. Before leaving section 180 there are two other sections that should be remembered these are: Section 2(2) (a) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not satisfied unless the copy supplied is in the prescribed form and conforms to the prescribed requirements; And more importantly Section 2(b) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not infringed by the omission of any material, or its inclusion in condensed form, if that is authorised by regulations. You will see that this quite clearly states that whilst certain items may be left out of the copy document the rest of the document must be in the form and contain all items as prescribed by the regulations. Turning to the regulations regarding what may be omitted from these copies these are contained with SI 1983/1557. The regulations state: (2) There may be omitted from any such copy- (a) any information included in an executed agreement, security instrument or other document relating to the debtor, hirer or surety or included for the use of the creditor or owner only which is not required to be included therein by the Act or any Regulations thereunder as to the form and content of the document of which it is a copy; (b) any signature box, signature or date of signature (other than, in the case of a copy of a cancelable executed agreement delivered to the debtor under section 63(1) of the Act, the date of signature by the debtor of an agreement to which section 68(b) of the Act applies); It is quite clear what can be omitted from the copy document, this again asserts that all other details of the agreement should presented in form and content as required by the regulations. The requirements of the Agreement regulations 1983/1553 are very explicit in describing the form and content of an agreement and this as I have demonstrated also applies to the copy of any such agreement with the above mentioned proviso. Nowhere within these regulations does it state that part of the agreement can be presented on a separate document headed terms and conditions. It does state that all terms and conditions should be within the agreement document and is explicit of the form in which it is presented. I hope this explains why your reply was unacceptable I await a True copy of my agreement and would remind you again that whilst the request has not been complied with the default continues

I have now received a letter from Barclaycard wich looks like a photocopy of terms and conditions (No Signatures anywhere) and at the end they say they have now fullfilled my request. Is this so? Jo x

I have recieved a response from Moorcroft, please can anyone advise my next move. I am getting a little scared! Thanks Guys, the main body or the letter minus my details of course is as follows................. “We refer to your recently received letter requesting data as per Section 77-79 Consumer Credit Act 1974. We duly confirm that we have requested the relevant documentation from our client and once received we will duly forward the same to you. Meanwhile, we duly confirm that all collection activity on the account has been put on hold and we will not seek to enforce payment of this debt until such time as the documentation has been supplied or we have advised you to the contrary. In the meantime, however, we believe that it may be of assistance to all parties if we also take this opportunity to ensure any potential areas of dispute are addressed prior to any possible court action or further investigation. To this end can you provide an indication of the information you will be relying upon, when giving evidence to the court or information to the relevant statutory authorities in relation to the alleged subject matter of this account. Please could you provide this information by return as this will ensure that all possible areas of dispute are identified as quickly as possible thereby minimizing potential costs and delays.”

I posted them on Saturday! (when should I get a response by? Is it 12 working days?) All filed and organised, here goes. One step at a time. Thanks everyone, I feel supported even though not a single member of my family friends are aware of this. Thank you.