hi Debtfree - how many months were you behind when the offered ffs of 50%? In a similar situation to yourself, would be interesting to know (not that I have that kind of money to offer ffs) & what terms were they looking for to freeze interest? i have just under 13k with them.... Thanks AL

The attachment is very poor - I have a copy on the following link; CCA pictures by AL20091 - Photobucket

Sorry the attachements are not very clear for some reason - I have a link below; CCA pictures by AL20091 - Photobucket

Hi, This unsercured loan was part of Northern Rock's together mortgage (mortgage now with another lender). I sent a CCA request and received the following (attached) and account statement. Could please give your opinion on whether it is enforceable or unenforceable. Thanks Al

Hi, I took out a M&S card in 2005 and after sending a CCA request I received the following, which I have attached and account summary statement. I would be grateful for your opinion on whether it is enforceable or unenforceable. Regards, AL