Update, questions re debts and f+f

Need_To_Sort_It

Thanks DC, I dont know what happened with the post I made last night lol, these tablets are awful once I have taken them. But it was about the confusion over who I owe what.

The letters are bound to start coming now I have cancelled the standing order so I will sit tight until they do.

On my credit file, its doesnt show every creditor in default, does this matter?

Need_To_Sort_It

I have found a CCA from the biggest creditor I have put it on Photobucket, I have taken out the personal info. It all looks ok to me, do you agree? Thanks for any help.

FJ

http://s736.photobucket.com/albums/xx1/N-T-S-I/

DarkConvict

Looks enforceable to me, however they mention insurance, is this PPI? Did you want/need this? if it is PPI could it be reclaimed?

Need_To_Sort_It

I had the loan only one month when I cancelled and they refunded me the money I had paid to it.

They stand to get 23000 out of a 15000 loan, nice work if you can get it lol.

Thanks again DC, do I need to be in default with all my creditors befroe they will do a f+f?

GeorgeUK

You should only need to be in default with the creditor you are making the offer to.

Was this a copy of your original or is this a copy that they sent you?
Did it have your signature on it?

Need_To_Sort_It

Hiya, this was my copy of the original. I also have a photocopy of the original that they sent me but it didnt scan too well so used mine. It was signed and dated.

Looking through what I have got from them I see a default notice issued in May 07 but it was Intelligent Finance, not Blair Oliver Scott who have had it for ages.

I have also just realised the letters now say Bank of Scotland as the client, Its gone from Intel Finance, to Halifax to Bank Of Scotland. No wonder i get confused.