Been through all statements. They appear to start from when I had defaulted and they just show my monthly payment, no Interest, no charges.

RBS mint cc now managed by aic international. Sar response is statements from January 2011 to present. All statements are showing balance and monthly agreed repayment. Please advise on next action Received response from sar. Statements from January 2011 to April 2021, all showing monthly payment made and adjusted balance

Sorry just realised return address is address in top right corner. So can confirm that it is Lloyds bank

No return address, just statements, but also had cc and od with Lloyds and as of yet no returns regarding them

Not 100% sure received 4 separate letters today each containing statements for personal loans all on Lloyds letterheads with the final loan statement the one held by Cabot. No cover notes with any letter just statements

Lloyds loan managed by Cabot. Sent sar to llyods and cca to Cabot. Cabot replied getting in touch with oc and would forward any information. Today received loan statements on Lloyds letterheads detailing opening balance of loan, interest rate and term of agreement and a final balance which says referred to Lloyds bank recoveries. Is this a cca agreement. There was no accompanying cover note just the statements.

Sorry to repeat ,wasn't sure if same applies to all creditors. So to all cca requests sent. If no original cca sent within 12+2. Stop payments and await for responses.

Sent cca request to capquest ex Kay's catalogue. Received letter account put on hold until request answered. Capquest are contacting shop direct finance for information. Advise please

We have sent cca requests to nco for 2 loans oc was egg. Received letters saying both accounts have been put on hold whilst waiting for info from legal owners. 1. Arrow global 2. Capquest investments Ltd. Advise steps to take please

What then, just sit it out until they respond

Citizens advice, left is struggling for years. Should I respond to them or just cancel payments to them

So same as last one stop standing order. And wait for response. Is that what I should now do

Reply, sorry. Done that now b/c

CCA request sent to pra Group Replied Sent b/c statements 2008-2010, copy of historic budget info & new blank budget calc. Letter says acc is currently live with cra's and hasn't defaulted and if contractual payments of £6/mth aren't met acc may be defaulted with the cra's. No sign of cca agreement

Sounds good, fingers crossed, had a grey from pra Group, should I start this in a new topic

All advice appreciated

Thank you all for your help, will read up later

Bit worried about this but here goes nothing, let's see what happens. I shall cancel payments tonight when I finish work

Thanks again for your advice, I will cancel standing order and update this topic when I have any response

Next payment due in a couple of weeks, so shall I cancel that payment and await their response

The gf cc balance Is approx £5.5k but our total debts are over £75k. And no we haven't changed address

Main worry is losing our house if things go wrong

Thanks for your help, all a bit scary. I'm a bit of a worrier. I will cancel my standing order and hope for the best

Paying monthly payments to hoist for goldfish cc. Gf cc took out 2006, gf account defaulted 2009. Transferred a couple of time since then

Because I'm currently on a payment plan should I continue to make monthly payments until they say they cannot find documents and that the debt is unenforceable