Hello Everyone Just hoping for some advice please. Its been a while since I've had any hassle !! MBNA credit card debt sold to Arrow Global. Arrow Global instructed Frederickson's to collect on the debt. Sent letter with I&E and they agreed to £2 month. No issues for 14 months then today I get a letter from Arrow Global saying that Frederickson's are no longer collecting the debt and it has been passed to Moorcroft Agency to collect the debt. Is this normal ? Should I continue with the payment arrangement I had through Fredrickson's ? Should I prepare myself for another round of abuse from Moorcroft? Any advice greatly received... Regards Vicky xxxx

Hi, I have been trawling through these forums trying to find out what I can and can't do legally. I have a debt of around 7k to Egg which has been in the hands of Capquest for around a year. I started off paying them what I could afford which was £40 per month. They then upped the payments to £48 per month which I went along with. My Direct Debit on 28th July wasnt paid as I was skint and so I assumed they would try and take it again in a few days. But I have now had a letter from HL Legal who are now demanding full settlement of this account within 7 days? Not sure how they think I can pay £7k when they couldnt even get £48 out my account last week. So I want to send them a CCA but as I have been paying this for some time does this mean I have already acknowledged the debt or do I still have a case for doing this and what possible outcomes could there be realistically. Thanks, Mick:???:

Hi all, I have read a number of the thread on Ruthbridge and could really use your advise on the best action in my particular case. Received first ever letter from Ruthbridge - It was addressed correctly to my name (unusal spelling), but contained no details about the alleged debt amount or alleged creditor. Just the general 'please call us' bit. There are 2 things I guess this could be related to: either a storecard for about £50 in 2001, or a disputed debt with the also totally dodgy gas/electric company Spark. If the latter then it is only about 2 years ago - I made a formal complaint/dispute to Spark at the time and received no reponse. At the time I was dealing with a different DCA, who were actually very reasonable and agreed that Spark's actions were illegal and I didn't owe anything. So - do I send a request for clarification of this so-called debt, or is it best to file it and ignore it? If they call me, I won't begiving them any info and guarantee I will have some fun with them. Thanks in advance.

unknown to the debtor welcome finance got a ccj where papers were served to a previous address now OP has had bailiffs at the door with a summons to a means testing hearing. turns out the org debt was already SB'd when the ccj was taken out.. next move please reply on this thread please - thanks DX http://www.consumeractiongroup.co.uk/forum/showthread.php?393306-CCJ-issued-jan-13-to-an-old-address-on-Sb-d-Welcome-finance-loan-now-summons&p=4251695#post4251695

hi, Please, I would like to know exactly what i should have received as a reconstituted CCA request from lowell portfolio. The situation i have is: 18/03/13, I sent a CCA request to lowell for a barclaycard account. 14/05/13, I receive a reply to my request and states, after liaising with barclaycard in an effort to obtain this document we have been advised that this is no longer available due to the length of time since the account was opened. Also it states they are closing my account and not make any further contact with me concerning payment against this account unless the copy of the agreement is received at some point in the future from barclaycard. 17/05/13, I receive a letter from lowell saying, We are in receipt of your recent request for a copy of your agreement.Your O/C has provided us with the attached reconstituted copy of the credit agreement you entered into with them, which they confirm you would have signed prior to the granting of credit to you. Under section 77/78 of the CCA 1974, we are not obliged to send you an exact copy of your signed agreement. We have now fully satisfied our obligations required following your request under the CCA1974 Blah Blah Blah, We would also confirm the following information as required by the above act. balance payable against your account £1484.19 current state of your account: defaulted. What i have received with this letter as what they say is a recon copy of the agreement: An a4 with my name and an address (address is my fathers address, i have never lived there) a box with written inside YOUR RIGHT TO CANCEL, once signed .you'll have short time to cancel and so on etc. Barclaycard agreement A copy for your records sheet (in the top right corner a little cancellation form to fill out). a sheet about;Barclaycard conditions of Use, a copy for your records. Barclaycard terms n Conditions sheet. A supporting letter from barclaycard dated 18/04/13 (see attached scan)[ATTACH]44074[/ATTACH] Please could you advise on this matter, is there things missing that should be in this recon agreement, it just seem right to me but i havent got a clue thats why im asking for help. kind regards mark.

Recently had a New turbo fitted,Renault Scenic 1.5 diesel Feb this year.Havng major problems with oil consumption and now loss of power. Since having it done i have been hearing a whistling noise,never hear before turbo change. Is it likely that the new turbo is failing or is it just coincidence and it is something else? The car is going straight to the garage in the morning.Any advise would be great as im not at all convinced this is not connected. Many thanks

help and advise please? I have ordered a Bed from Bensons for beds , This has arrived on the 15/04/2013, with a little help of a friend we have unpacked it and started assembling the bed frame, head and foot end that’s when I realised how big it was? it took the the whole space of the bedroom 200 long x 240 wide When ordering the sales staff had told me it was 180cm x 200cm wide, but when I measured it, from head end to foot end it was 200cm x 240cm? I checked the order/invoice it was 180cm wide' so called the store and after much discussion, they have referred me the customer service team at Bensons for beds, they say there is nothing they can do as the sizes are as described and advised to contact the consumer direct. I have wrote a letter to Bensons for Beds and they have called me and offered a re-selection but the catch is that I have to pay 30% fees for re-selection of another bed + delivery charges They said if i SELECT A CHEAPER BED i WILL GET NO REFUND, but yet I have to pay more that £250 for selecting another which is smaller than the one they have delivered. your advise is much appreciated Thanks

Hi.. Just over 3 weeks ago my husband received his sleep test results back from his cardio consultant, turns out he is suffering from mild sleep apnea .. on the letter from consultant it stated he was to advise DVLA which he did that day and they told him best way forward is to surrender his driving licence which he has now done . My hubby is getting high rate care/ mobility and he has a motability car which he can no longer drive until his sleep apnea is under control which could take months , rather than have a car sat outside being paid for but getting no use i called motability who informed me because my husband was stopped from driving for 6 months 4 years ago and had returned the car he had on motability at that time we would have to pay a fee of £250.00 to end this present contract with no ifs or buts. .if this is the case how can this be right ? told he cannot drive through consultant and dvla . ..where does the 250 go ? and is there any advise somebody can give has theres noway possible we can afford to pay out that sort of money . ..i tried explaining to motability it wasnt through choice but they didnt seem interested or want to listern until we pay the £250 PLEASE HELP OR ADVISE ME

Hello to everybody, apologies but this is my first post on this forum and I need some advise regarding a debt that has been passed onto aktiv kapital, in 2009 I lost my job and was unable to make my credit card payments to nationwide. I received this letter back in june 2009 Current balance: £782.64 Credit limit: £1100.00 Past due: £523.47 'Our records show that your account is currently three months in arrears. In line with the terms and conditions of your account, the payment protection insurance cover has now been cancelled and no further periums will be collected' On the 10th of this month (april) I received a settlement offer from aktiv kapitol for an outstanding balance of £782.64 Over the past week whilst I have been at work (9-5) my parents home in which I reside has received numourous calls each day. Today alone they have received 7 calls. Each time they have informed the caller that I am unavailable until after 5 I have been concerned about calling ativ kapital due to previous problems with a previous firm I am looking for any advice as how to proceed. I have v.limited funds and do not want to be pressured into a high monthly payment. Any help would greatly be appreciated

Hello, first timer here. I got a call from Global Debt Recovery last Wednesday, i confirmed my name etc and then was told that they were acting for Lloyds Tsb, and that i owed £5323.41 plus interest of £3518.49 accrued over the last 10 years. I admit that i had a Lloyds account, but when i moved away in 2000 i opened another account with another bank and things have been good, i thought that i had got my life together. I had payed off several old debts through various companies and had had no correspondence with Lloyds at all, even though i had a redirection of mail when i moved. I assumed that maybe the debt had just been written off, but then 13 years later i got this bolt from the blue. I received a letter on Saturday with details of the debt and a computer screen print out apparently supplied by Lloyds, with the address on it that i lived at 13 years ago. Should i try to find a lump sum or make a payment plan or just offer them a lower amount?

Hiya, Bit of advice needed, I have a CCJ against me for £5000 that is currently outstanding. Originally I was hoping to have this paid by the end of Feb - awaiting for a compensation payment to come in which would cover it - but that has come in late so looking like the end of April would be the earliest. There are two things I need advise on - Firstly is there an official form I need to fill in to propose the above repayment Secondly- Its a strange one but the debt is a personal money owed to someone, I have requested a number of times in writing but they keep sending emails/ calling my dad regarding this saying it needs sorting today or baliffs are coming to visit me etc, are they allowed to do this? It has nothing at all to do with my dad Many thanks for any help given

I lived overseas and following a relationship break up had to move back to the UK. My home overseas was placed on the market and with 3 children (one severly disabled) I returned to the UK. An accident prevented me from working and I claimed income support. The dss accepted the overseas house was on the market and no income was generated from it. I was required to give updates every 6-12 months and during that time reduced the asking price. Our situation remain unchanged. Last week I was sent a letter telling me that benefit was suspended as they had not received the latest form back. I had posted it 2 wks earlier and phoned the office immediately. I was told that if I went to the office and filled out a new form my benefit should be reinstated. However I have done that and they are now saying it all needs to go to a decision maker to determine if I am still eligible as I still have the property as capital. I am floored and worried sick! Last Sept the dss asked for an updated valuation on the property and I couldn't get an agent to value the property without charges that I cannot afford. I provided the initial valuation and evidence that the property was up for sale, and they accepted that. I now have debts overseas as I have been unable to keep up with local taxes (council tax equivalent) on the property. Advise please.

HI Sorry not sure exactly where to post this I currently have outstanding credit card debt 7k, buried my head in the sand long story short , it is 4.5 years since i acknowledged the debt with the bank. Said debt was passed to DCA who i think have now passes it to another DCA. Problem here is letters are coming to parents address, which i dont want. I have never had and recourse with any of the DCA , my question : if i write to dca and tell them send any further letters to my current address , would that effect the time already passed towards statute barred { last time i wrote to bank regarding debt} . Also would the bank still have this letter almost 5 years later do you think ? The letters which have reappeared after a fairly lenghty quite spell are not really threatening and with 2 years to go to statute barred i dont really want to awaken the sleeping beast so to speak. What would my best course of action bei Thanks in advance for any advise you can offer

Hi just after a bit of advise if poss - to keep a long story short, I got myself into some financial trouble and ended up using various payday loan companies. Most i managed to pay off in full. i had 2 outstanding one of which was payday express. They just kept rolling over what i owed and charging me £100 each time. I worked out id paid well over what id borrowed. So i cancelled my debit card and stopped paying them anything. after loads of hassle, calls, emails i agreed to pay £10 a month. This debt then got transferred to equidebt and i carried on paying £10 a month. After 11 months i cancelled my direct debit to see if they would notice. After a couple of months they did. (I also cancelled the £10 a month i was paying to the other payday loan company and ive not heard anything). Equidebt have now chased payment and have offered me a settlement discount of £100 if i pay in full before 15th of april. or £10 a month at the original sum of £660. A family member has offered to pay it off for me. What should i do ? im worried if i pay in full it will just get transferred to another debt company and ill be in the same boat.. thanks

Hello please could someone advise me....After a long and stressful period 3 years ago which lead to me having a nervous breakdown Tesco Finanace managed to secure the outstanding balance of a loan against my house - I went to court and they now have a charging order on the property for when I sell. I have kept up the payments religiously as ordered through the court - This is paid through Incasso LLP. Last week I was contatcted by DWF to say my account has been transferred to them and I was to pay them direct, they also want to contact me to discuss future re payments etc... what should I do? I cannot face the horrid calls and aggression I was put through before so should I just take their word for it and change the payments to them? Please advise anyone. Thank you Clare

last year my matrimonial home was sold and i rec 40.000 from the sale .at the time i was on income support so it was suspended naturaly . i payed my rent and bills ext but as im not used to having lots of money i have spent most of it .i have 2 disabled children and im a single mum i bought us a good reliable car for 7.600 as i knew i would never be in the position again to aford one . i never kept cheqe on my acounts properly and spent a lot of money on my children i basicaly gave them all the things i couldnt aford before .i im my eyes gave them a better quality of life .i thought this was mine and the kids money to spend just as if it was a wage . now ive hardly got any money left and put a claim in for income support .first they asked for 6 months bank statments then they asked for statments from when i got the money of which ive sent to them . my friend had told me i might get into a whole load of trouble because of my spending and be charged with benafit deprevatin im so scared i had no idea about that at all i didnt think i was doing any harm like i said earlier i thought it was our money to spend .someone please help me i cnt sleep on a night with worry i dread the phone ringing and feel like a criminal .

This is my first post so apols if I am in the wrong place + if this is lengthy. I am a LL who really wants to be doing the right thing for her tenants and I am facing a claim against me at this time from tenant whose AST finished on 4th July12 but who abandoned the property moving into a new property one month earlier leaving 2 cats in my property and the back patio doors left open for them. Tenant is claiming LL breach of contract / disrepair but only after LL has tried to deduct damages from deposit for a) Keeping animals against AST b) AST clearly states if animals found in property, cleaning, defumigation etc must be done and invoices supplied, c) Tenant disposed of a cooker hood and a microwave without LL agreement. d) House left totally uncleaned, I mean not even hoovered, dusted nothing and check out report states this and Tenant signed checkout report so agreeing with state house was left in. e) State gardens were left in g) Damage done by cats to wall paper on Hall, stairs and landings. Tenent has openly admitted all the above but refuses she allow any deductions from her deposit. I started claim for arbitration with DPS - tenant refused. I suggested it again, tenant refused. Tenant now served me with a claim for what seems disrepair, or rather a counterclaim to my wanting deductions from her deposit. There have been repair issues but I can prove whenever they have been reported all attempts have been made to rectify the problem. Things have been complicated as everything handled by a (not so good x2) management agent as I am often out of the country. Tenant has a proven history of failing to let contractors have reasonable access and with holding rent, particuarly around Xmas time and for several months. Rent arrears paid after several months but without interest. Repairs include; 1) Leaking kitchen ceiling - 2 plumber repairs done to bathroom, 1x repair to adjoining flat roof. One of the plumbers took 6 weeks from trying to get in to assess to completion largely due to tenant not been home when agreed, tenant cancelling appointments. 2) Tenant is claiming lack of adequate heating and hot water from Nov 10 to march12 - Boiler not only has gas cert but annually serviced. Leak from valve and drop in pressure reported Nov 10, rectified within a week. May11 - same problem reported and rectified along with rads bled. Oct 11 - Gas engineer recommended adding chemicles to system to flush debris out of rads but being adiment after 3 weeks rads would have to be emptied, flushed and bled. Gas engineer couldnt get back in to complete the flush. Nov11 - Gas Cert + service. Dec11+Jan12, £200 per month with held from rent, not picked up until mid Jan. When chased about this tenant said it was because she had inadequate heating so this was to offset her extra heating costs. She had done this without any warning or agreement. Problem with Central heating had not been reported until she was been chased for missing rent. Jan12 - Gas Engineer said boiler working but reduced effectivity, he gave option of repair or replace. I repaired at over £600. Few weeks later Feb12) tenant complained of same problem, Gas Engineer went back and did a different repair. Few days later, same complaint. I then sent out my own Gas engineer (as opposed to Agents) and he condemned the boiler stating it was over heating, likely cause - debris from rads going back into the boiler after chemicals had released them and the flush had not been carried out as Engineer could not get back in to do this. Agents engineer confirmed this was most likely. Mar12 - New boiler sucessfully installed. June11 - Agent notified me of foul smell from drain outside back door - I asked for further detailed information? Should tenant just put some chemical there? Is it likely a bigger problem than that etc - no reply and I was out of the country. A week later agent said drains had a problem that needed dealing with, I asked him to send contractor to assess, report+ estimate. 3 days later on a fri afternoon 17th June I got an email from EH saying urgent situation with drains needs immediate attention. I emailed agents on 18th+20th, they replied late on 20th saying as tenant had not paid any rent they could not assist - EH went ahead and served me a notice and carried out the works. Tenant is saying house was disgusting, dirty and needed lots of repairs when she moved in, she visited 3 times prior to starting AST, her guarantor is a solicitor, at no time did she write to say she was dis satisfied with the state of the house or the needed repairs when she viewed or first moved in nor with the repairs done, at inspections any repairs would be listed and actions put into place to rectify them. Within a month of moving in tenant requested a rent reduction which was declined. Tenant never offered to pay for any repairs and have cost deducted from her rent yet with held rent. Can you guys out there please advise, is it possible to defend a claim of disrepair? Have I actually done wrong so therefore should I rightly be paying compensation to this tenant? I really want to be reasonable but I have had both bad tenants taking advantage as well as very poor agents who have breached contracts and I really feel its time to "fight back" but only if I am in the right. I am desperate to hear your guidance on these matters.

hi long story really we took a mortgage and unsecured loan had a 110% out with northern rock in 2004 in 2005 our circumstances changed and we were taken to court for eviction an arrangement was put in place and we maintained this untill 2009 when i lost my job and my husband could not afford to maintain at that level on his own we informed them and another arrangement was put in place this was again maintained till late 2010 when my husband was put on short time at work and i was not working due to us have a small child i informed n rock and was told to make payment that i could afford and as long as they got a payment each month it would be ok no amount was agreed but we paid at least £350 a mnth to them then we got a letter to say we were being evicted i got advice from off here and we took nortern rock (nram) to court the judge ruled in our favour which was normal monthly payment to be be made plus £150 of the arrears each month making our payment to them £700 a mnth we paid this the first month then recieved a letter saying payments needed to be £749.60 a mnth as the unsecured loan was not in with the payment i agreed that the unsecured had been made secured now and said what the judge had quoted us anyway after going round in circles with them we agreed to pay the £749.60 this was in feb 2011 we have stuck to this arrangement since then i got a few phone calls off them in 2011 and 2012 offering us a deal to reduce payments we would never take them due to past experience with them and the fact that the payment we were making was made by a judge and gave us more security then yesterday i have a phone call from them to go through a new break down of income as they are reviewing or payments i did this over the phone and was told my car costs are to high as well as my gas and elec payments and that my tax credits are to low compared to what i was getting in 2011 after speaking to 4 different people from n ram and nearly 4 hours on the phone to them i was told that the arrangement we have is for this month and next month then they want an extra £100 a month from us as the rules on arrears have changed and the arrears must now be paid off in 5 years we can not do this and all i got of them was you need to make changes in what you are spending and if you cant pay either sell your house or try the mortgage rescue scheme does anyone know where i can i take them to court and if so how do i do that . I have just looked at the arrears we had in 2011 they stood at £18259.06 judgement was for £150 a mnth to be paid to these arrears so in 23 months that should be £14809.06 left but they say we owe £17994.20 so i dont understand whats going on Need HELP please has i am worrying myself mental over this

HI Found out in October that my sister had joined Gregory Pennington, really wish she had told me. within 3 months her debts had increased by £400 in bank charges and credit card fees. I have read through the code of conduct for Dempsa, and it states that anyone in extreme hardship should be advised that there are non profitable companies available, - does anyone know the definition of an extreme hardship case? I have all the sars info and a recording of the hour my sister spent on the phone, in my opinion they should have sent my sister away she had £4000 mortgage arrears paying £10 per month, £600 disconnection notice from Gas and electric, and £200 water rate arrears none of which was discussed during the conversation. it was just noted as £10 mortgage arrears. her disposable income was £98 per month, they have charged her £32 per month in the fee, and during the call she starts changing the financial statement to reflect a monthly plan of £200 per month as she had sold the dream of being debt free in timescale periods so my sister (still in denial at this point) said she could afford £200 per month. i have looked as my sisters bank statements and up until that point always keeps with in her overdraft limit, however after being told not pay any debts and transfer out her wages asap, and leave it to them some interest of £7 is applied. and is left accruing excess overdraft fees of £66, then £174 the next months, had she paid £7 that day she would have prevented this, but a little naive and trusting did nothing about is as was told. ultimately i feel that it is unfair of a company to charge £32 per month and have only £10 going to the mortgage arrears, and as a priority debt surely she should be paying £1 to all other debts and the remaining disposable to the mortgage. since this time i have arranged a more suitable payment plan with the companies frozen inter and bank agreed to refund some of the charges and we got her back in her overdraft. i think what im asking is should they have taken her on with £4k mortgage arrears? Would my sister be an extreme hardship case? have i got an argument to request the £225 fee plus £32 for 2 months back since they made her situation worse many thanks

Hi all, I have a disiplinary hearing this week which i was notified about last week. My question is this: The hearing consists of my director, HR representative (takeing notes) and additional HR Mgr who is dialing into the meeting. My Mgr is now going to be abroad and has also said he will now dial in to the meeting. So it will be me and an HR representative taking notes with the HR Mgr and my Mgr dialed into the meeting. Is this reasonable?, there is alot of paperwork to go through and present and I had also planned to ahow a business presentation in relation to the hearing, which is for non performance. Is it reasonable for me to request that the meeting be re-scheduled so we can be in a face to face meeting ? Thanks

Hello I have had letters from Rockwell chasing an outstanding debt from myself and I am after some advice on where to go next. Firstly I had a letter from Pace Forward on 21/06/2012 looking for a Mr Bowen regarding an urgent matter, after reading thread on CAG I ignored the letter. Then I received a letter from Rockwell dated 09/07/2012 that they have been instructed by their client (Arrow Global) to contact me in regards to an outstanding debt of £1402.84. I replied with a prove it letter on 12/07/2012 using a template from CAG, which they replied with on 16/072012 with a thank you and that they were seeking further information from their client. A further letter was received on 14/08/2012 outlining they matter was still being investigated and they would contact me on receipt of the information being sought, which was: (1) proof of my liability regarding this debt. and (2) payment or written contact from me in the relevant period under Section 5 of the Limitation Act. So, this morning I have received a letter from Rockwell stating the original lender was Capital One (credit card) and have enclosed the original copy of the agreement and statements and their investigations lead them to believe that the matter relates to me. The original agreement is a one page sheet with Credit Card Account Agreement and signed and dated 26/03/2002, the statements are not original and are just monthly boxes containing: statement date, minimum payment due credit limit, new balance, then and payments made in and out From the statements provided the last payment was made 10/07/2009, I have just done a credit report via Noodle and it does show Arrow Global owning this debt and says it was defaulted 31/05/2008. Can someone please advise me on what is next Kindest Regards Baden

Hi. I'm a newbie on here and I have tried to look through the threads but I think I have only succeeded in confusing myself more. I have recently been receiving letters from Arrow Global, Arrow Monument, Cabot Financial, Lowell Portfolio, Hamptons Legal and Fire. Some of the letters just say I owe a debt but no details, others give an amount but no date and there is one that gives the date of 2003. It looks like Fire and Cabot are related as are Lowell and Hamptons. Now to my knowledge I don't owe any money and I checked my credit file and none of these are on there although there are 2 others on there which I again know nothing about. All of them are in a previous married name which I havent used for almost 7 years. I really don't know where to start as I have never had this before and Hamptons say they can apply for a charging order on my property which I find very disturbing. Any advice would be very gratefully received. Thanks.

We need help as something strange going on with Scottish life. Our endowment is due to end next year 2011. For the past 2 years now, we suddenly have been getting letters saying that we have not paid our premiums. They say they have informed the Halifax (our mortgage suppliers) and the life insurance is down to around £8000. The first occasion we phoned and asked them for an explanation, as payment has been paid (bank statements) the first time they said the money had been attached to somewhere else and confirmed that it had been received and they would sort it out. In the meantime we received a cheque for the amount we had paid from another department who said because I account was closed the money has been returned. The situation was sorted out and we returned the cheque which they had confirmed they had received and the account was as it should be. The second time I was so mad as it was about 6 months later they did the same thing saying we have not paid. They said a major investigation was being carried out and kept us waiting for a about 30 days or more. we kept phoning they kept saying they dont know what is wrong. Meanwhile they had dropped our endowment life assured from about £28,000 to 8000. That was again sorted out they said sorry and it was supposed to have been reinstated. We have now received this again, I phoned them and they said 'this has been going on for some time hasnt it' the money has again gone astray to somewhere else and that they had received the notification from the relevant department that day to say that the premiums had turned up from somewhere else again. We received a letter 'Certificate of Endorsement' saying no further premiums due and life assured down to the same £8000 figure. It is as if nothing has been done and they are trying to cover something up, because even though they once again said they had made a mistake we have received a cheque (covering the premiums we had paid) saying that the account had closed due to non payment and now they are not offering to rectify it. The person on the phone had even said that they would write to the Halifax and inform them of the mistake. We are so worried as if this money is not reinstated, next year we will not be able to pay the premiums we are due to the building society. So we need some advice on how to proceed. for us we see this as criminal behaviour by a company, so advise us please, I have not yet returned this last cheque.

Hi, I had a default placed on my credit file from Scottish Power back in 2011 that I am attempting to contest as I never remembered receiving a notice of. The balance was paid a month after it was applied. However, clearly, removing it entirely would be most beneficial. Using the web as a resource, I recently sent a letter which included: After recently obtaining a copy of my credit file from Experian I was concerned to note that your company has placed a "Default" notice against my name. Further to this I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convenience. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number #### 2. You must supply me with a signed true and certified copy of the original default notice 3. Any deed of assignment if the debt was sold on I have received a letter back from then (which included my PO) advising that my gas supply was not covered unter the consumer credit act and that if i wanted information on my account that I should make a DPA subject access request @ £10, which is fine. Despite saying this, included in the response was a copy of a letter I was sent detailing i was going to get a default, however I never received it. However....my question is, does the default notice still have to follow a specific format? Is there anyway i can take this further? Many thanks in advance. Steve

hi i ve just defaulted wonga due 2day i havent spoken with then thought id ask u guys 1st what 2 do. i ve had a few loans with them always paid i was going 2 roll this month over but got days muddled up so times up x im happy 2 and will have payment next month just wondered should i speak on phone see if they will accept rollover payment and roll over or email and say i cant pay or phone and say i cant pay also could someone please pm me their bank details dont want 2 not pay them but not sure what 2 do ty all any help appreciated