hehehehe

Thats probably because it was the application that was completed on line, then the agreement was downloaded. signed and posted the day after. Nothing too sinister there I suppose.

Sent an account in dispute letter to Moorcroft. See what happens.

I cca'd Egg recently, via those Moorcroft people. This is the agreement I got back. Is it enforceable or not. Hope its Egg on their face, not mine... Any experts there could possibly help a damsel in distress?

Doesn't seem to be any stuff about early settlement and so on. Not sure if there needs to be however, sure an expert will be along in a mo though....

1st Credit being confusing again eh?

In Oct 2004 I lost my job and got into troble with a couple of cards - marbles and goldfish. They cajoled me into taking on a loan agreement to settle the outstanding card amounts. I have looked at the loan agreement for that loan and it looks standard stuff, but if they were for credit cards that carried unenforcable terms as per the CCA request solution, how can I dispute the loan? Still no job and I can't afford the monthly repayments. My plan is to call HFC bank and request the card numbers and then do a cca request on them both. If, as I suspect they cannot comply, then surely they will have to refund the monies paid and under the terms of the loan agreement, send me the difference. Any thoughts?

My wife has been dealing with 1st credit for a while now and has been paying them a significant amount of money that we can't afford every month. They were so awful when they had any contact with her, threatening bankruptcy immediately and so on, you know, all the usual stuff you see every day here. Anyway, I really want to send them a cca request for the MBNA card but she is concerned that they might get even more aggressive with her as a result. I'm pretty sure that they will not have the stuff required as the card was taken out in about 2001/2002 as far as I remember. What do you think is the best course of action folks?

The lady on the phone was ok and didn't ask me to pay more money - in fact she seemed a bit embarrassed. I did chuckle though, especially as I have just posted a cca request to them. On the subject of sending out the CCA request with a £1 postal order, I get my wife (rather than me) to sign a cheque from our joint account. If the cheques cashed, they had the request....

Called the DCA up today to be told that the letter was a mistake. Lady on phone apologised and said there was a letter in the post explaining that it was so. Amazing. NOT the conversation I was expecting at all!

I've just loed a bit more closely at the letter and it says...."Judgement has been obtained against you.... It then goes on to say...I can avoid this by discharging the debt in full within 1 month of the judgement date , 30th Jan, 2008. So it looks like they havn't actually got a judgement against me at all until Jan 30th. I presume that iis the day they intend to set the CCJ wheels in motion and submit the case to court. I suppose I will have to call them on monday. I feel pretty sure that its a 'try on'. Any thoughts on tactics folks? Thanks

I have just recieved a letter from Capquest acting on behalf of M &S Money telling me they have obtained a ccj in the Northampton ****y Court. I have been paying the agreed £3 to Capquest for ages and this is the first inkling of any court action. I have had nothing from the court at all, and nothing prior to this from Capquest. Coincidentally, I have ready to post a CCA request to Capquest, but this hascome as a complete shock to me. How can they get a CCJ without my knowledge? They are saying unless I make arrangements to pay, they will move on to a charging order. What should I do know? I don't really want to have to pay a load of fees to get the ccj set aside - that is assuming they actually have one!

I have sent the CCA letter to two DCA's - RMA Resolve for my Amex Card and Robin Way for a cap one card. Rob Way wrote back telling me they had asked Cap 1 for the info (what they actually said was either a copy of the agreement, or a statement to verify that I am liable to pay the amount due) and would contact me. In the meantime my account had been placed on temporary hold. RMA have cashed my cheque, but have heard nothing. Both letters were sent recorded delivery on 24/11/2008. I presume I send them 'the account is now in dispute' letter, but I can't seem to find it. Any help folks?

Son has no assets really - not even a car. Am I right in thinking that the SN has to be served in person or apply to a court to get permission to serve it another way?

Have first credit/connaughts ever made anyone Bankrupt?

It's all happening in our house! My son used to live in a rented flat in Nottingham until about 4 months ago. As he has now left the country to travel the world for a while I recently got his mail redirected. One of the first things to arrive by the mail redirection is a letter from Connaught saying they following the recent delivery of their stat demand they are now in a position to present a bankruptcy petition. I presume it is too late to apply to have it the SD set aside, and in any case he is out of the country. I presume Connaught wion't talk to me re data protection, so wonder what the best course of action would be? By the way its for a Barcalycard debt of under £1500, card issued I understand about 6 years ago when he was at Uni.

Thats a pity. They must be covered by something though I would have thought.

Hi everyone. My first post of many no doubt, but here I go! I've spent all afternoon looking at this super site and will spend more time on it - its very clever stuff. My wife used to have an Abbey loan and an Abbey overdraft. Now I'm getting to grips with the CCA requests angle for cards, loans and so on, but how does it work with bank overdrafts? We can't remember the exact circs, but generally they are just done over the telephone, so how are they enforcable? She has been repaying it back through Moorcroft who keep insisting she ups her repayment. Quite frankly it's getting a bit much for us. Don't mind sorting it out, but would prefer to do it on our terms rather than theirs.