Hi, Thanks - first letter arrived stating they had bought debt enclosing a letter from co-op to say they had sold it to Lowlife. m

Hi, Please can yiu just tell me if parts of the agreement are non compliant is the debt enforceable. thanks

Hi, I am sorry but I know a SAR is £10 I was asking if I should now send one to Lowells who bought the debt and go through all the same stuff I went through with Co-op bank? You are not being very clear as to what I need to do next, how and why. I also asked if an agreement has bits of the terms of compliance with CCA 1974 is the debt unenforceable. thanks,

Hi, Yes a faint one but I though if the terms of the agreement were not outlined as per the CCA 1974 and certain thins not on it it was unenforceable? Shall I send the £1 SAR to Lowells?

Hi, Yes originally a Northern Rock mortgage whereby myself and hubbie got a credit card with it. An agreement did come through eventually rom co-op bank but blurred and most of the writing cannot be made out but several things were missing making it non compliance with CCA. I last made a payment I think December 2009. Sue

Hi, Thanks and Yes its showing as a default with co-op bank from 3 oer so years ago. Sue

I have today had a letter from Lowell Portfolio saying they have bought an old Co-op bank/Northern Rock credit card debt. I have already CCA Co-op bank a couple of years back and they sent me an unreadable blurred copy of what they tried to call an agreement but failed with several of the CCA terms that would make it stand up in court as any kind of an agreement. After several letters explaining it is not a valid agreement I have heard nothing now for over 3 years at least. I am not sure how to play this - do I CCA Lowells assuming they have bought the debt without agreements? Moose

Hi everyone, thanks for your advice. I am onto it as we speak and will let you know how it goes. Sue

Hi, I have a problem with a printed concreter. He came well recommended by a good friend who had his drive done by him. We saw his drive before we hired him and it was fine. We signed an agreement to pay as the job commenced which is the norm for concrete jobs. Almost all ask for 95% of the total by the time they start to pour. Ours was a biggish job as it was back and front of house. We came home and only the back and sides were done and badly at that. He said he had run out of time and would finish the rest on the next dry day. He came back the day after to check it and we saw several defects which we pointed out to him. He said it was early days and to give him a chance but got stroppy that we were not happy. We came home the next day to find him clearing away all his things saying he would be back Monday but throughout the whole job (5 weeks) he has left all his tools, rubbish, wood and lots of other things strewn about the garden. He has not cleaned the dye off our garden furniture and filled our recylcling bins with the dye coated plastic and my rubnbish bins. Myself and the kids keep getting it on us as well. Our front drive is unusable as it has been dug out and left with rubble, mud and wood. Our neighours drive is also about to collapse as he has dug out so close to it it is starting to fall into ours it has been left so long. What do I do now. I don't actually want him to do the front as the back is so bad but we have paid???? He also only lives halfa mile away and is not LTD. Thanks, Sue

Aha, now it all becomes clear Thank you so much for explaining this to me as you have. Now it is obvious why the CCA paperwork is so important and why it makes sense to keep plugging away to get one to check its enforcability. I shall have a chat with her and see how she now wants to play it but once again many thanks. sue

HI, sorry what does subbing mean??? Can youhelp me with my next step please - do I taske them to court now as there are no prescribed terms or wait for them to. Thanks, sue

Hi, thats great - thanks. I was just under the impression that yoiu could take the case to court to get the debt written off if there was no CCA or it was flawed ie not precribed terms. My friend has an Egg one being delt with by a company who do this and they have actually told her to keep paying as it will help her case at court by showing she is not refusing to pay. They have said they will take EGG to court as the CCA is flawed and get it written off as unenforceable and then she would stop paying. They have told her EGG should settle out of court rather than go through the process in court and she would have an undamaged credit history, Can you shed any light on this then as thought this was the route if you still pay. Thanks, sue

Hi, I think you are missing the point. I know about CCA. Barclaycard only send out terms and conditions which is what I have, If I had a CCA I would know what to do . I am asking what to do if she still wants to continue monthly payments but write off the debt as no CCA so far and BC don;'t tend to send them. Can anyone help please or shall I start new thread so someone else can help., thanks, sue

I don't understand this at all - are you saying just don't pay and get taken to court???? I thought I was supposed to take them to court. Also, If a clear copy arrives and the terms are not prescribed I cannot just sit back. If they sent the latest letter is it not up to me to reply? Thanks, sue

Hi, She cannot afford to pay it anymore and she seems to think that she never had an agreement with Morgan Stanley. Can she not get the debt written off in court due to having no agreement or an unenforceable agreement without stopping payments first??? Someone told me its better for you in court to show you are still paying than refusing to pay and also does not affect your credit. Sue