Hi, I'm just starting to submit a letter to a few payday loan companies asking them to accept my payment offer. I need to know the best email addresses for the following: Quickquid Payday UK Wageday advance Lending Stream I have sent an email to Payday uk but got no reply as yet Many thanks for your help

Hi, I'm just starting to submit a letter to a few payday loan companies asking them to accept my payment offer. I need to know the best email addresses for the following: Quickquid Payday UK Wageday advance Lending Stream I have sent an email to Payday uk but got no reply as yet Many thanks for your help

Subbing, have you any news back from credit security ltd? I have been dealing with them too. It's all gone quite with them at the moment.

I could do with some advice with regards a lloyds Tsb debt that has been passed through many DCA's It consists of 2 overdrafts, 2 personal loans that lloyds closed and consolidated into one account and gave it a new account number. - The debt then got passed to BLS, at this point I sent a CCA request and placed the account in dispute. The account then was sent on to SCM solicitors, I informed them of the account was in dispute they sent me a letter stating all collection activity had stopped and would find the documents requested. A couple of months passed nothing, then out of the blue Allied international credit started chasing the debt, I informed them of the status. They stopped collection I got a few letters from lloyds tsb complaints department and a copy of some generic terms and condiitons. the account then went to Robinson way again I told them the account was indispute a few letters backwards and forwards later they returned the account to lloyds. during this period I got some statments from the old account numbers for the loans and overdfafts showing the balance as zero. Now I have credit security limited chasing this debt, I have informed them that the account remains indispute and they have sent me a letter stating that collection activity is suspended while the agrement is being located. I need some advice on: - is consolidating these debts legal and does it make them un-enforceable? - Is this normal practice for Lloyds to send a debt this far down the DCA route before legal action? - I'm worried about this as it is quite a large debt and if they do get a CCJ I'm worried about putting my house at risk. - would it predujdice me if I made an offer of monthly repayment? - I did recieve a substantial reduction for a full and final, they knocked off over 10k, could I make a 'without predjudice offer to pay this off in instalments? I know lots of questions but I'm really unsure which direction to go with this

Subbing

I need to respond to these and state that the 40 days is still in effect from when I sent the request. They have said in the letter that the 40 days will only start when they recieve the signature. does anyone know of a good letter that will help

I sent a CC company a subject access request a few weeks ago. Today I recieved a letter back stating they are unable to send the information due to them needing to see my signature. surely this is wrong? how do I reply, I really need to get hold of this information

how do they produce a credit agreement for the merged account?

just compiling a letter to send off tomorrow with all the advise given. need to do a bit more digging on unlawful rescission of contract, interesting thanks. Phoned the court today expecting them to tell me that the allocation questionaire is in the post, but to my supprise the case was 'stayed'

Wow thanks for all the useful advise, feel much better after a weekend of worrying. should I send a letter to robway or HF requesting to see it and expressing my concerns over the information sent. also they havent sent the default notice of the NOA as my CPR request, should I chase this with robway too?

Hi bazaar, How do I get them to revel that to me without the risk of court.. they clearly have the original as page one of the CCA does have my signiture.

oh dear just noticed something not so good. on the second sheet of the CCA they sent with the terms and conditions it does state at the top of the page: these terms are taken from section 1, 10 & 23 of the terms and conditions. does this change anything?

Hi and thanks for all your input. making me feel a little bit more hopful about this. It does say section 23 on the signed copy and states that section 23 is related to how they will use my information. the second sheet which I assumed was the reverse of the signed sheet on has 3 sections. section 3 is the use of information section. My reason for thinking that the agreement was enforcable was due to the fact is was on 1 sheet with the repayment terms on the reverse.

many thanks wish me well.. I think it would be a very long shot going for that with the agrement but it might be the only line of defence I have at the mo. unless anyone else can find something wrong with this agreement

Bump.. anyone?