Okay thanks - I read what you said & realised I wasn't using search 'everywhere' - Changed to that and Boom! Loads of threads. Have just been reading a lot of them. One last question if that's not too cheeky (came up after reading several other threads). I read that a reconstituted CCA agreement is allowed, can I ask what is needed for the recon CCA to be ENFORCABLE? E.g. does it require a signature? HONESTLY I have read on this quite a bit, but am still confused, hope it's okay to ask. Ask, although I'm in debt, is there a way to donate to CAG? I feel I'm getting a lot of info from here and want to give back at least a little... But don''t have expertise to give. EDIT - Sorry, seen the paypal button at bottom - Will donate in the morning

I did a search, but didn't find anything similar? Maybe I'm just crap at searching the forums, I tend to get lost in there tbh! Sorry!

Thanks for merging. Does that mean I just post to this one? Issue is, they are now seemingly saying that the balance is due again as they have complied. Do I not need to reply saying they have not? (they say they supplied the requested docs). I'll try to upload ASAP and will read the guide. In the meantime... - Amount: £4,767.54 - PRA group - debt origin Barclays credit card - Debt is a couple of years old now. I'll try to upload asap, just concerned as they seem to feel they've provided the required docs? So it's okay to still ignore them?

So one of the DCAs (PRA) replied to my CCA request, first saying they're looking for it & debt is unenforceable for now till they find it. BUT... Then they replied saying they have enclosed copy documents as requested... And sent their historic Terms & Conditions, NOT a signed CCA?! I assume my next step is to reply to them in writing only, saying this is not a CCA and I require a CCA with my signature, not their historic terms & conditions? I couldn't seem to find a template letter for this, but if there is one, please let me know? Thanks in advance

Thanks, I did that one to some of the debts (doing others this week), but an struggling with what to do if they don't reply vs if they do. If they don't reply, I can just not pay and ignore them, right? But might they sell to another DCA then and have to re-do it? Or? Also, if they don't reply is it worth doing a full & final offer just to get the debt off my record? Or?

Hi, I've been looking and searching on the forum, but am struggling to find a guide that overs an overview of, say, credit card debt that's sold to debt collection agency. Of course I think it starts with a CCA request letter/postal order, but what next? Is there a post that gives the sequence of letters with links to the templates? I thought there was but am struggling to find it for some reason? Did I imagine it?!

I have a question about IVAs & being a director of a CiC (Community Interest Company) I'm hoping to avoid an IVA, but if I did end up going this route, understand you can be a company director still, but not a charity trustee, but can you be a CiC director? (Community Interest Trust)? I couldn't find any info on this specifically... Anyone know? Or know how I would find out? Thanks!

Thanks - Getting late now so will digest all tomorrow & fill everything in. So, breathing space won't be able to delay the court case? Can I ask for the court case to be delayed? Reason is I have a (serious) surgery on 16th Jan & no way I'll be able to defend myself for a couple of months (6 week MINIMUM recovery from this surgery). hoping this is good enough of a reason to delay the court date?

New here and may be posting a few questions, hope that's ok First ones: 1) If I have a CCJ that has a default decision against me, can i still make a full & final offer to the debt company directly? And, if so, could I get the CcJ marked as settled if they accept this reduced full & final offer? (though also considering a set aside as I didn't receive documents even though i haven't moved house or anything! going to try to do a cca request too but maybe too late for this one? Unless I can get it set aside by some miracle, considering in was in July this year (2022). 2) If a debt company (PRA Group) have already sent another debt to court but it's not been heard yet (scheduled for 23rd Jan), is it too late to ask for a CCA (loan) and also get a breathing space for 60 days, and put the court case on hold to avoid a new CCJ? Thanks in advance