hi scott, sorry to crash your thread but I'm in similar situation to you, having just CCA'd Lloyds. Can I just ask who/where you sent it? I sent mine to Lloyds head office at 25 Gresham Street, London but am having a bit of a wobble now wondering if I should've sent it to BLS or Lloyds Collections? Help! My thread is at http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/192151-lloyds-credit-card-just.html if you want to have a look. Cheers.

yes, they are very naughty aren't they lol. Thanks pmw, thought I'd seen one on here before but just couldn't remember where to get hold of it.

I've just had a thought, should I be sending Link a letter asking for some sort of proof of ownership of the debt? After all MBNA haven't actually notified me that they've sold the debt on. If so, does anyone know if there's a template letter on here to do that? I can't remember how to get to the templates!!! Thanks in advance

Hi PmW, thanks for your reassurance and advice. I will write to Link offering them £1 token payments as that’s all I can afford. Definitely won’t be taking up any offers of loans - I’m no longer credit-worthy Feel so powerless in this situation.

I do hope so after all the aggro they've put me through. I always intended to pay the debt in full when I returned to work but there's very little out there at the moment. They have no patience.

I have a Lloyds credit card (approx 20-odd years old now). I have been paying £1 token payments for the last year or so as I'm out of work. The debt is just over £15k. I've had the usual umpteen phone calls, letters, threats from SC&M and BLS. They are even offering me a reduced sum to clear the debt but I understand from other threads on here that these people are unscrupulous and will sell the debt on after you've paid (not that I have the money to pay them anyway). Am sick of it all. So, following yet another sleepless night I decided to take action and have today CCA'd them. What a great feeling it was to send it off (recorded delivery naturally). Let them chew on that for a while. Fingers crossed they can't find the original agreement. Link to my original thread below. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/189152-drowning-debt-please-help.html

I have an MBNA credit card that was terminated a short while ago. I received a letter from Link Financial saying they've bought the debt. After reading on here how quick Link are to get charging orders I wondered if someone would be able to advise me on the best course of action here. It was an online application (c. 2007) so I'm guessing its enforceable. The question is, what is the best way forward regarding Link's letter? Should I write to them offering £1 token payments (thats what I was paying MBNA). Would be grateful for any suggestions/ideas as I'm dead scared that if I ignore them it'll make things much worse. I've added a link to my original post below. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/189152-drowning-debt-please-help.html Thanks folks.

thanks for your response harrassed senior. The MBNA was an online application so not sure if I can CCA them as its probably enforceable

Hi all, Have finally found my way back on here. I'm feeling a little stronger and have decided to try and tackle things head-on. I'm going to send a CCA request to Lloyds for the credit card. I will start a new thread for that, is that the right thing to do? Will be grateful for any help you can give (think I'm going to need it!!!). Also, I received a letter from Link Financial yesterday saying the MBNA debt has been sold to them. Oh well I will write with the standard offer of £1 token payment as thats all I can afford.

Phew, just managed to log back in. So great to have so many wonderful responses here! That’s made me feel so much better to have your support folks, thank you. Goldenlady, the split of the debts is Egg card £10k, MBNA card £15k, Lloyds card also £15k and a Lloyds loan for £10k. Don’t feel very proud of it but I didn’t have a choice at the time. The Lloyds card is probably over 10 years old by now I think. I think the Lloyds loan was an online application but I can’t fully remember. That loan was taken out in about 2004 though so I might be ok? Great that Lloyds couldn’t produce your agreement, well done, and I fully agree about MBNA. They are the PITTS. Sosumi is right, I’m only taking a short course of the sleeping tabs to try and reset my sleeping schedule as I’ve been up worrying most nights. But now I’ve discovered this site I’m sure things are going to get better as it sounds like there’s hope out there. I’d love to pee the debt companies off but I’m a bit of a scaredy-cat at the moment (also on anti-depressants so not hugely strong), but I hope that if I can get control of my finances then things will start to improve. Bigegg, I’ve broken quite a few of the rules unfortunately. I’ve sent them many letters that I’ve signed and also spoken to them at length on the phone (but that was before I discovered this site). I'll try and get back online again tomorrow, night night all.

Thank you for your reassuring words tendogs and you are so right, they won’t be losing any sleep over my account but I am having to take sleeping tablets. The thing is, I’m not sure if I’d be able to fight them, I haven’t got a clue where to start!!! I haven’t got a scanner so can’t post the docs up anytime soon but my brother is visiting soon and I think he has a scanner so will do my best.

Hi Goldlady, there is a huge amount of equity in the house and that’s what is so tempting to MBNA (they actually sent me a print-out of land reg papers). MBNA and Lloyds have frozen interest for a while but, like I said before, MBNA now seem to be going for the house. I owe around about £50k in total.

Thank you so much for your replies. I am already with the CCCS but as on jobseekers I can only afford token payments of £1 per month. Of course they are not happy with that and keep trying to make me increase. I can barely afford the £1 so its ridiculous. Even though I give my CCCS reference number it didn't stop them hassling me unfortunately. Things just feel very desperate right now.

Hi everyone, I’m hoping that someone on here can help me please as I really don’t know which way to turn. I am unemployed after a stint caring for someone and unable to work. I have a serious amount of debt - a bank loan and three maxed out credit cards, one is an Egg card (online application, 2007), one is Virgin/MBNA card (also online application, 2007), one is a very old Lloyds credit card and a Lloyds loan. I paid a small sum to one of these companies who claim to get your debt written off (that was before I discovered CAG), they’ve had my case since just after Christmas. They said they’d get all of my debts written off but so far the only time I hear anything is when I call them and then they fob me off by saying its being dealt with “upstairs”. Also that they will not deal with my credit cards as I can’t afford to pay for each one separately, they will only handle the loan, although nothing much has happened with that as yet. I've suffered months of phone calls and threatening letters and feel like the net is closing in on me now. Its making me ill. I received a default notice from MBNA today saying they are going to terminate my agreement (I have received several from them). I’ve also had threats from MBNA saying they are going to put a charge on my house and get a charging order to force me to sell. After reading a few of the threads on here I realise it won’t be long til I receive court papers from MBNA and if it goes to Northampton I can say bye bye to my home. Is that correct? Grateful for any advice as to what I should do. Please help me. I’ve written this in a bit of a hurry and it sounds disjointed and confusing to me, I hope you can make some sense of it. Thanks.