Full and Final..CCA's..so many questions

farmeress

Hello,
I have some questions, and would be grateful for any advice.
I have debts with various creditors, which worry me so much.
A quick summary of my position is, I had no debts until 3 years ago when I got divorced, lost my job, and basically life took a nose dive!
I paid all creditors until August 2013 when financially i could cope no more and had a breakdown. My partner owns a home in Spain, and we moved here September 2013. I have not contacted my creditors in any way other than a short letter in Dec 2013 informing them I could not pay at present (I didn’t give them a new address) I know it sounds underhand, but I was genuinely in a bad place mentally. Anyway, I am now due to receive a lump sum (25k), which will cover the debts, but I am also mindful that I should have something set aside for emergencies etc.
My (estimated) debts are:
BARCLAYCARD – £7000 (date opened – 1989)
BARCLAYS O/D – £1800 (account opened 1986) the majority of this balance is charges/interest I have not been able to view my account online since August 2014
Natwest O/D - £4000 (account opened appx 1994)
There are a few other debts, but I will deal with these in the near future.
My questions are –
1. I have written to notify creditors of my current address, so far I have received a reply from Natwest stating they could not change my address as my signature does not match their records. I wrote back with a copy of my passport in hope this will be suffice. No reply from Barclays as yet. I have seen lots of threads with people requesting CCA’s. Should I do this in the hope I will be able to negotiate F&F’s, and do CCA’s relate only to credit cards?
2. I have also read about creditors showing leniency with charges etc when the debtor is in financial difficulty. (I have no income or assets at all).
3. When seeking F&F’s what percentage should I start at?
Sorry for the long post, I just want to get this sorted

[Deleted User]

Definitely worth doing CCA requests, given the dates the agreements were signed.

If they can't produce the original signed agreement, the debt is unenforceable.

BTW. It's always a bit risky signing letters to creditors as, it is possible for the signature on the letter, to miraculously appear on a CCA.

Not that I'm suggesting your creditors would do such a thing, but it is worth knowing it can happen.

farmeress

Thanks for the reply Bob, I will set the CCA requests in motion, do they apply to bank accounts and credit cards? (sorry,I'm so ignorant to these matters)
With regards to the signature, I never even thought of this...although my signature back in those days would have been in my maiden name, so hopefully this won't be a problem...but I guess you never know!

[Deleted User]

Not sure about bank accounts, but CCs yes.

Definitely worth sending off CCA requests to the CC companies.

double_mummy

yes to credit cards no to bank accounts

best to sign any letters in future with a handwriting font - make sure to use a postal order and complete the letter requesting it correctly (use the national debtline template)

CCA them all (apart from the bank accounts) when they cant produce them offer 10% for a full and final and work from there

farmeress

Thank you both.:D