Stopped paying along time ago. Sorry I'm not the best with technology. They're threatening a ccj. Could you enlighten me or give me an example of a proper CCA credit agreement. Ie exactly what it should contain. So if needed I tell them what is missing. Its very old from 2004. Thankyou

Never mind...for some reason it hasn't included my signature and date signed 2004 on the pdf. Special needs when it comes to technology. They also sent something that looked like Apr rates, with unreadable information. No bank information or credit limit. Could have got that from the bin myself

Ongoing for along time.They have sent me this(attached) .Does this satisfy the CCA com.google.android.apps.photos.Image (1).pdf they now apply for a ccj? Seems to be alot missing. com.google.android.apps.photos.Image (1) (1) (1).pdfcom.google.android.apps.photos.Image (1) (1) (1).pdfcom.google.android.apps.photos.Image (1) (1) (1).pdf

Bought a car from a main dealer and was told V5 would be forwarded to me. After 6 weeks nothing ,rang every week to week 12.Nothing. Then explained that they hadn't sent it as it has been lost. still registered with previous owner .Im furious,. Now advised that they can do it but my car wont be taxed till I can get v5. make it even more complicated I'm in receipt of pip higher mobility and get free tax anyway. Own research, I have found form V62, which means I can do it at the post office. Advised them there paying the fee. How do I go about getting some form of compensation from them as it really has upset and stressed me? Sorry could not highlight the subject in the right place... please move...thankyou

Received a long list of statements but only a few years, just printed. No notice of assignment. No terms or conditions and no address of Bank or credit limit. Also no default notice. They have attached the credit agreement. Does include my signature as it is an application form dated 2004. No response yet from CCA request.

I originally CCA them in 2016.No paperwork letter confirming unenforceable.. Then they wrote to me in Jan 2021. I explained they hadn't responded to my CCA .That's when the dispute opened and said they had 16 weeks. Sorry if I sound a bit thick when I rang them in January .their reply was we have 16 weeks to look into the dispute. Looks like they have just been talking ...

I'm vague again. They told me they had 16 weeks to comply with my request. I thought you could complain to fos if they couldn't comply. Yes new CCA request sent.

Well...still no correspondence from them and its been 16 weeks today. Is it also worth reporting them to fos.Or will that stir up a can of beans?

Will post up correspondence...if received. Is it just awaiting game now? Will CCA them again... thanks dx

Sorry DX my over excitement or annoyance. On this bank of Scotland credit... Taken out 2003 defaulted and sold to Cabot around 2006. Been paying them £5 a month upto July 2016. Then on advice...thanks DX...CCA to them. Normal response no information available, will be in touch again in 40 days. Out of the blue Jan 2021 reiterated balance outstanding. I explained about my CCA request back in 2016 and they could not find anything. They then advised they would investigate and to give them 16 weeks. Out of curiosity today rang them..about 15 weeks. Advised they had a an agreement for the card. As yet nothing in the post. Hope that makes more sense Will post up correspondence...if received

Sorry not hard to confuse me. Related back to a Halifax bank of Scotland card which Cabot bought...ty

Cahoot telling porkies?Think they might be! I did post about 4 years ago, Old HBOS debt - been paying cabot for 12yrs... - Halifax Bank and Bank of Scotland - Consumer Action Group

Received letters in January 2021 for 3 debts and phoned them to reiterate they had not responded for 4 + years. Well apparently they now have a loan agreement from 2006 and the overdraft debt taken out around 2004 isn't covered by CCA. The other debt had a ccj on it which was paid nominally to 2010 .Then sold and then sold again, and back again to cahoot. As soon as I get documents I will update. Are they just trying it on?

Well thank you to all....your all stars.Shall cease being fleeced and dig my head out of the sand.Care to you all!Kind regards

you're saying that even though I have been paying it up to now ,after the 6 years from judgement they would have to apply now to the court. Which will be unlikely to give permission? thankyou

@dx100uk I acknowledged service of the claim within the 14 days and filled in my details but did not defend or attend.thankyou @Andyorch Hi Andy I thought that it only applied when there had been no contact ?thankyou

Court claim . Normal krap..tried to get higher amount but changed it through redetermination.Never contested claim, done through SCM solicitors. So yes...head in sand! But surely me paying them at token amount is still acknowledging debt,so it can still be enforced? thank you for your post

Yes...but my wife does work. Thanks DX my only fear if I stopped paying would be they tried to enforce the ccj,if they are allowed to. .I own my own home. Normal charges on account plus court fees etc. I never disputed the claim as I was still trying to keep a roof over our head and a business afloat due to illness. I know you said after 10 years it's harder to enforce but I have been paying it, so I cannot really go for it being statue barred. Also it seems strange they didn't accept my offer if they thought they could get more. They're a pain...

Original claimant Lloyds TSB via SCM Solicitors. Made a formal agreement with them to alter payment after 4 years . They did advise to contact court and use I think N245 form to change payment. But I never did! It was a credit card debt with an original limit of 22k. Thankyou. When asset bought this debt they tried to get me to pay the original ruling of £37.50 I blatantly said no. In fact when they bought it I said no I'm not paying you anything as your not the original claimant. But after a year I gave in to their phone calls and started paying the £2.50 to them. I am presently registered disabled which they know and even tried to say that there must be money left over from my benefits to pay them more. I don't think so!!

Original ruling 37.50 per month but only paid £2.50 since 2014 . Asset bought this ccj and I received the relevant paperwork, but nothing from the court. Now 10 years old and have a balance of 18k. Should I continue to pay it , I have also offered £500 as a final settlement, which was rejected. Is this really worth paying anymore? thanks for your replies.

Similar to my win over them.No paperwork will be found and they'll discontinue.

Lots of mooing...hehehe. States on letter original creditor Bank of Scotland...its ancient...shall stop paying...thankyou

The Dca is a caboot.Very old credit card.I assume the paperwork is none existence.CCA time thenThanks everyone

Not sure what to do with this one. Old debt originated from bank of Scotland around 2004. Been paying token payment for around 12 years, now threatening further legal action. Would a sar request suppress them . ..or eaiser just to stop paying them and see what happens Many thanks

You,ll like this.... Received a discontinuation notice from hoist and from the court. Thanks to everyone