shall i scan it and attach to this thread?

Thanks. As they have supplied a copy then I must assume they have complied with the request

Thanks. Can I ask what constitutes an enforceable CCA?

Hi After a long wait pursuant to sending a CCA request to Intrum they finally sent a copy of an agreement and copy statements but no page showing my signature. I had been paying this anyway within my stepchange repayment plan but I have now come out of the plan and would like some guidance on what my next move should be? Thanks

It was June

Barclaycard was taken out in 2007. there are other debts too within my DMP

Thanks for that.I will get Stepchange to cease payment until the CCA is received

Here is the reply received from Lowells. Should I inform Stepchange or will Lowells cease payment from their end? Lowell Creation reply 180319.pdf

This is the reply i have received from Intrum. Should I inform Stepchange or contact Intrum to say that they cannot collect without the CCA? and ask them to cancel the monthly collection from their end? Intrum Virgin Money reply 260319.pdf

This is the reply i have received from PRA. Should I inform Stepchange or will PRA cancel the monthly collection from their end? PRA_Barclaycard_reply_150319.pdf

Hi. I sent out my CCA letters. A couple have come back with copies of the signed agreements. For the ones that haven't or have sent a holding letter, could someone please refer me to the up to date follow up letter that I need to send TIA

Could someone please let me know which section of the CCA applies to an overdraft please?

Thanks will get all those sent out Cant find any paperwork for the Amex / NCO card. Will have a further look. Credit file says American Express

halifax Credit Card with Wescot £3967 Taken out 03/04 Defaulted 23/05/2017 Bank of Scotland Credit Card with Wescot £8580 Taken out 12/2006 Defaulted 23/05/2017 Barclaycard Credit Card with PRA £7773 Taken out 06/2007 Defaulted 22/03/2017 Virgin Money Credit Card with Intrum £6783 Taken out 08/2011 Defaulted 17/07/2017 Creation Credit Card with Lowell £1657 Taken out 04/12 No default date on credit file Nationwide Credit Card £686 Taken out 06/11 Default date 10/08/2017 American Express with NCO £657 Taken out 08/1996 Defaulted 10/04/2017 Santander Credit Card £562 Taken out 12/2006 Not down as defaulted Santander Credit Card £403 Taken out 04/10 Not down as defaulted Santander overdraft with Wescot £1132 Taken out 02/2005 Defaulted 05/06/2018

Halifax Credit Card with Wescot £3967 Bank of Scotland Credit Card with Wescot £8580 Barclaycard Credit Card with PRA £7773 Virgin Money Credit Card with Intrum £6783 Creation Credit Card with Lowell £1657 Nationwide Credit Card £686 American Express with NCO £657 Santander Credit Card £562 Santander Credit Card £403 Santander overdraft with Wescot £1132 I am not sure of when these were taken out or what the default date is. What is the easiest way to find out? Many thanks

Hi Looking for some advice I have been paying Stepchange for over a year now. Various Credit Card + overdraft debts totalling just over £30k. I will be hopefully in a position to clear them next year if I can get F&F acceptance at around 35%. Should I also be seeking to obtain CCA's to see if the debts are enforceable and also look at unfair charges etc on the overdraft (Santander) Also possible unfair charges on original account when it was A&L The more I can reduce it down before I make any settlement offer the better really thanks

Hi. Been paying Stepchange for over a year now. Various Credit Card + overdraft debts totalling just over £30k. I will be in a position to clear them next year if I can get F&F acceptance at around 35%. Should I also be seeking to obtain CCA's to see if the debts are enforceable and also look at unfair charges etc on the overdraft (Santander) Also possible unfair charges on original account when it was A&L

Can anyone help please. RBS allowed my son to open an account online and then verified account in branch with ID proof back in August. Paying in book arrived with letter saying debit card and PIN to follow. Nothing arrived after 2 weeks. Lots of calls eventually got an answer mid October saying sorry cannot issue a debit card on that account on that particular sort code with that branch (Child & Co. London) Unable to put any money in as no way to get it out. 3 failed attempts by RBS to transfer to another Sort Code eventually our patience snapped and we have gone elsewhere. Still no proper answer to how it went wrong. Looking now for compensation because of not being able to use account for 2 months. Any idea how to calculate non-financial loss and for time spent sorting it out (many hours!) Any advice gratefully received

Update on this. I made the final monthly payment on this back in March and sat patiently waiting for a letter from Santander to drop through my letterbox giving me a date that i had to make the final balloon payment by or return car etc but nothing happened until last Saturday when I received a phone call from Santander telling me that the final payment was overdue. I told them I had received nothing from them. They said they did not send out a letter when they had extended the original agreement by a further 12 months. So I am just meant to pay the lump sum with no further invoice or anything. Trouble is they now tell me that it is overdue. surely they need to send something to comply with consumer credit regulations? Does anybody know about this?

I cancelled the direct debit so there is no issue there. it is just the residue of my payments that had built up in "the pot" after service costs had been taken out. My issue is not only with the fact that nearly £300 of my money is sitting there in their account and they acknowledge it shouldn't be, but getting to the bottom of whether this agreement is a financial product. I am having the agreement perused by a barrister under the Direct Access scheme to clarify this. There is no point in complaining to the FSA if it is not deemed to be within their remit. There is nothing on the document to say it is a credit agreement.

Any views on this welcomed. When i bought my new car 4 years ago I took out a service plan through Essex Ford that i paid monthly. I now have a problem because i cancelled the service plan over the phone back in February but they never cancelled it their end. I am due a refund and should have had it in accordance with the terms of their contract by the end of March. They have now cancelled it and say I will get my money by the end of June. It is nearly £300. They admit their mistake and that they are in breach of their terms but wont pay up any quicker. Is this sort of agreement covered under FSA rules and can I complain to the Ombudsman?

Update on this matter. had a letter from Santander saying that while they didn't feel they had done anything wrong, they were prepared to extend the agreement by a further 12 months for me. So a happy conclusion to this saga. Still don't know why someone there couldn't make the decision in the first instance to save me a few weeks of turmoil but am pleased that they came around in the end.

There is a test case on in the High Court next week that might provide some clarity on the bedroom tax issue. I will try and post a link to the judgment if I can.

Yes I faxed it straight over with a letter apologising for the oversight and when I spoke to them on the phone I offered to pay by debit card there and then for that months payment they refused to take it. Incidentally, I still haven't received anything in writing from them.

I took out a credit agreement with Santander Finance in 2010 for a 3 year car loan with the usual balloon type payment/return car option at the end of it. However, I wanted the car for a further year and they agreed that I could extend the agreement for a further year. They sent me a form which had to be ticked and returned and a document entitled "Agreement modifying a Credit Agreement" which had to be signed and returned by 2/4/2013. Unfortunately I overlooked this and failed to return it as I had a lot of other things going on at the time and I got a call yesterday stating that they had terminated the agreement and were taking steps to repossess the car. Has anyone experienced this? I have not missed a single payment and the documents they sent me said nothing about failure to return them in time would lead to these steps being taken. I assumed the Direct Debit would continue regardless and the money was there for them to take it. I have written to them yesterday quoting the OFT Unfair Relationships Guidance stating that that the Agreement is a related and linked one to the one I have already signed in 2010 and that termination is unfair. Any advice gratefully received