appears they haven't anyway - got the paperwork today and as I suspected they HAVEN'T offered me a loan, and they also ask for payment by cheque/postal order unless I used a Credit card or Visa debit at the time so clearly they won't be taking any. Won't be getting a cheque either. Definitely going to complain to OFT as they sent me a text after I submitted my application saying that my "loan application has been accepted in principle" which is clearly designed to mislead as they have no direct control over whether I get a loan or not so cannot say that I'm anywhere near getting a loan. Also on the phone they gave me a specific quote and left me with the impression that I had a definite offer. Their use of the phrase "Accepted as a customer of yes loans" is also out of order as it portrays a false image that I've been accepted for a loan - clearly no one could get rejected unless they were under 18, they're only a broker and you're supposed to be paying them so they're not going to reject anyone. Bunch of thieving buggers. The text is definitely my best evidence. Very misleading when they're only brokers.

I have applied today to Yes loans and they told me that I had been accepted, and that the £7500 I wanted would be repaid at 174.xx a month over 5 years - they couldn't tell me the APR which made me suspicious but I worked out it was around 15% which although not as good as I was hoping for was a slight improvement over the current APR I'm paying. I couldn't pay the admin fee of £59 over the phone s I don't have a VISA debit card as my old one expired last month (thank god) and my CC is almost at the limit. They said they'd send me some paper work and I could send the fee by Cheque or Postal order if I hadn't received a new VISA debit card by then. . Why thank god - well I've just checked them out and it seems that although I put the phone down convinced I'd been offered a definite loan, I will probably not get one at all or be offered one at a much higher APR, and that my fee will be nigh on impossible to recover. Although I did give them my bank details it seems they can't take it out over the phone without a debit card. Needless to say I won't be taking them up on their offer and won't be sending the fee. Can anyone confirm that the fee won't be taken out via my bank account? They said it couldn't but I'm suspicious after reading the HUGE amount of negative press. As I said all they got was the sort code and account number.

Depends if you were over the prescribed limit on searches - i.e did the credit score centre say that the number of searches was one of the things going against you when you paid the £5 before? I think you need 3 or 4 searches relating to loan/credit applications to be in trouble. If the removal of this search has taken you below the limit then it WILL have changed but by how much I've no idea. How many searches are involved (before and after)?

Well it won't be an issue with the my local electoral office as far as I know - as I said I SHOULD be on the electoral roll right now, and I've no reason to suspect I'm not; I'm just concerned as to when Experian will update their records to reflect this. I wasn't really expecting it to be noted this soon, it's only been 1 day but I need a loan and they're all rejecting me due to my credit score - I really don't want to be waiting 5 months for Experian to update their records.

Hi I suppose this is listed somewhere but I can't find any recent threads on it. Basically I checked online in May for my credit score with Experian and was given a score of 667 which is poor, I looked at the file and the only things wrong with it were that I wasn't on the electoral roll and I had several dredit accounts and the outstanding balance was high. I've been told by my local council that I'll be on the electoral roll from August 1st (yesterday) although I clearly haven't had a confirmation letter yet and was just wondering if anyone knew a)How long it will take to show on the credit report online b)How it will affect my score - I only need to bump it up by 60 or so and I'll be classed having a fair credit score

The letter you got in the first instance is almost identical to the one they sent me. Needless to say all phone calls have stopped and I've received no CCA (they received my request on the 11th Feb) All they sent was a half arsed notice of assignment which didn't even have my name/address or account number on it - could have been written to anyone. The "CCA" they've sent you is just an application form - point this out to them if you want or ignore them unless they send a proper one which I can almost guarantee they don't have.

Like others have said it's merely the application form. There's no mention on there of the credit limit or the interest rates or anything to be honest. Basically their tactic as I see it is that after all this time (presumably thinking that they'd forgotten about you/given up) if they suddenly reappear with something you'll get all despondent and give up. Just write a simple letter to them saying "Thankyou for the copy of the application form you have sent me but I would like to reiterate my request for a properly signed CREDIT AGREEMENT with ALL the prescribed terms on it eg. rate of interest, credit amount etc." Be sarcastic and let them know that you know it's bollocks. Also it sounds like the notice of assignment is not legal either. It has to be a letter from the ORIGINAL CREDITOR assigning the debt to 1st credit. Obviously this won't stop the original creditor coming after you or assigning it to another DCA but they'll still need the credit agreement which it sounds like they don't have if this is all you've got after a year.

If the debt was in default prior to the CCA 2006 then the court CANT enforce the debt without a proper Credit Agreement - if the debt defaulted AFTER the CCA 2006 came into force then the court can. Not sure about what happens if there's no credit agreement at all.

As far as I'm aware once 12 working days have passed from their reciept of your CCA request the debt is classed as 'in dispute' in so far as they (the DCA) are not allowed to contact you to request payment etc. As for point 2, that's also my understanding i.e that the debt is still legally in existence unless you actually want to say that it's identity fraud or something like that. But without the Credit Agreement. debts which defaulted prior to the 2006 Consumer Credit Act being brought into force are not enforceable in court and it's up to the alleged debtor whether they wish to pay.

well if you haven't heard anything for months then contact the OFT since they've broken the law in not sending the CCA within 12+30 days. Certainly if you offer money they'll think the game's on again and will start harrassing you. At the moment they can do nothing until they produce the CCA. If they had it, they would have sent it within 6 to 8 weeks at the most. If you're well over that time then it sounds like they don't have it. Writing to the OFT will be the best course of action as it will spur them into admitting they don't have it

well you've paid nothing since January 2002 so ten months doesn't sound like a timely fashion in any case. The best advice for you to go on is the official advice from the national debt line - write the letter to trading standards and see what happens.

address/number should be in your yellow pages or use this website Find your local Trading Standards office : Directgov - Do it online

well they're technically correct that the money is still owed even if it's unenforceable. However if you've told them you have no intention of paying and they continue sending letters you can complain on the grounds of harrasment. Also if there's no CCA then I would guess they CANT put defaults on your credit file although someone else will have to confirm/deny this.

don't wait for another letter - tell trading standards now. The point being that these letters are standard template letters that they've written. I'm sure you'll see a template code on the letter confirming this. This proves that it's their POLICY to send out letters that lie to people when they mention the 6 year rule. In other words it's not an over eager employee going too far. Send it now.

As far as I'm aware they have to provide a credit agreement with your signature on it and that credit agreement has to have all the prescribed terms on it and also be signed by someone on their side. If they've sent several different T+C's then just keep hold of them and be ready to show them if the court date ever happens. It sounds like they'll have no real case. I'm sure someone else here can give more authorative information.