I have recieved a copy of my credit agreement. But no signature? Should I ask them for an original copy which should include my signature. How do I know its the one I signed?

Thanks all, very helpful I will keep you posted..... K

And if they cant supply the credit agreements? does that really make a difference?

I was planning on insisting they write to me and not call me. That’s my plan anyway! where do I stand if they cant supply the Credit agreement by the way?

I think I can claim contribution based job seekers allowance - its under review now. If I do get it, it will be around 64 pounds per week. My wife works part time but they are all my debts not hers, will her income be required, do I have to give details or say I dont have a clue? Thanks for your help by the way K

But my I & E will show zero for income! and expenditure will show around 2000 (PM)

Not that I am aware of, I am not one for that kind of thing. I will check tomorrow though. So to summarize. Stop all payments, send off a new I & E form and ask for my credit aggreements, Post all correspondence on here is that it?

They are all quite a few years old now - certainly pre 2007

CCA letters(sorry)

So should I stop paying them from now do you think? could they start putting interest back on?

I think it was Egg but not sure. I have a loan of around 7k with them and a card they have sold to Apex. again about 7k. I already have defaults from 3 years ago, 2 from Egg and one from Cap1. I am not too bothered about my credit file. Do I write to them with the offer of as token payment together with a new income and expenditure form .. tempted to ask them all for my credit agreement too..... sorry forgot to mention I have a seperate bank account so my money is safe .....

Stupidly I have told one of them - I owe them 7000! But I did say I fully intended to use that money to pay priority debts. I have huge outgoings .... well huge for me anyway ... my mortgage is 1360 a momth for a start

Hi, I have just accepted voluntary redundancy, as a result I have about 30K in the bank. I owe approx 27k to several creditors, credit cards/Loans. I already have the interest frozen - should I continue to pay them the agreed amount? I have tried Full and finals but none of them accepted. Should I go down the route of asking for the credit agreements etc? I really am not sure what to do for the best. Can anyone give some advice?

Hi Thanks. The problem is I have had lots of extra charges since I requested them originally - I guess I need to include those too now?

Some time ago I started to claim my lloyds charges back but stopped when I recieved a letter from them saying all claims would be dealt with after the court case. That was months ago, I am still being charged. Should I start again or just carry on. If I carry on what letter do I have to begin with? Thanks for your help. KT