Thankyou - I had nothing from Fashion World but when I spoke tp them on the phone they told me they had passed my debt over to this 3rd party company to collect it from me which I don't mind I was just not very happy Fashion world had done all this even though I hadn't missed any payment and not told me anything about it but I'd rather not deal with Fashion World anymore because they have treated me like dirt - Thanks for your help I will make sure no charges are on top and my debt amount is frozen and no more added to it . Thanks again Amanda

My debt is with fashion world but they have said they passed the debt off to this company so wont accept any money from me the only people that will is the S C gray solicitors the ones that wrote me the letter, It seems fashion world have washed there hands of me , I have ask the man from the solicitors to send me all the details in letter form - so waiting for that first then I was going back to the CAB to ask them what to do next .... Thankyou for your reply

Thankyou for your reply - Im not sure if the debt is frozen but I will phone them and make sure - Thankyou for your help .. Amanda

Hello is there anybody that knows who the CEO of Fashion World is and there Email address - I have been treated so badly by Fashion World today - I will explain - Today I got a letter from S C Gray Solicitors Ltd saying Fashion World had passed my debt over to them and I needed to pay within so many days ect I was really shoked by this because since the end of last year with the help of the CAB I have been paying Fashion World £5 a month by standing order through my bank account - I checked with my bank and they told me I have paid every month since it was set up so I phoned Fashion World to find out what was going on and to make sure they had been recieving the payments going from my bank - I spoke to a lady asked her if Fashion World had recieved any of my money she replied " yes we have recieved every payment from you by standing order " I said thats great have I missed any payments ??? she said " No none at all " I then said thats great but can you then explain to me why you have transfered my debt to this S C Gray Solicitors Ltd company if I have paid every month without missing any payments at all - She said " well its because your only paying £5 a month so we sold your debt off to a 3rd party to get the money back from you " I said I beg your pardon !!!! I am paying £5 a month by standing order , it was all set up with the help of the debt adviser at the CAB everything was sent by letter stating it was ok - I then told the lady that the reason I was only paying £5 a month is because I am disabled and I don't work I am on disability benefits and this was the most I could afford - She then started talking over the top of me louder saying " you didn't fill in the form we sent you " ummmm What form ??? I haven't had a form from you , or any letter saying you hadn't recieved the a form - The only letters I have had from Fashion World is stating how my balance was going ... I told her it isn't my fault if I haven't had the form she said well this is why we sold your debt off - So without telling me - Without any letters stating I hadn't returned a form because if I'd had a letter stating this I would of contacted them explaining I'd not had any form in the first place - she finished with well there's nothing I can do about it then asked me to do a customer survey on her performance .... I hung up !!!! She didn't explain to me what I should do now or should I canel my standing order going to Fashion world ... So I phoned up S C Gray Solicitors Ltd and spoke to a very friendly man who helped me sort everything out - I set up a new standing order for payments to go to them and he told me to go into my bank tomorrow to cancel my standing order to Fashion World so they wouldn't get anymore money from me .... This man also told me his company don't buy debt from companies they are given the details to follow the debt through - As I said I am disabled and my illnesses are made alot worse by stress so having a letter from a debt collection company has made me feel very ill and I am completely drained by it all feeling sick and on edge by all of this ... So I want to complain firstly about my account getting passed to a debt company for no reason and secondly because of the way the lady spoke to me on the phone she was so rude to me ... If anybody knows the email address or any other contact info would be great Thankyou Amanda

The dept is my overdraft that got bigger because the CSA stopped paying the money into my account without telling me and so my car insurance kept going out of my bank acc making me overdrawn this is why I asked them to stop and freeze my account... I have sent them 3 letters saying I am suffering financle difficulties and need there help but they sent a letter back saying I need to pay this amount off in full ... my overdraft was £400 but they have not froze it so now my balance is £874 they cancled my account in dec 2011

I have asked them ( barclays bank ) 3 times to remove the added money since April 2010 but they say no this was last year and since then I hadn't had any letter then I received the dept collection letter as I said above ... Today I have got a letter from POWER2CONTACT saying "formal notice of intended visit " but it doesn't have a date will they come and can they take my goods... I have always said to barclays I will gladly pay the amount up til April 2010 but from then I ask to freeze my account untill I had paid but they didn't they just kept charging me... They kept increasing my overdraft even though I am a disabled person and I do not work since 1999 and they knew this I kept telling them Im worried about paying it back but they said it was my only option to increase my overdraft... Im so scared and my illnesses are made worse by stress this is making me very ill... What do I do next ??? Thankyou Mandy

Hello Im worried sick about a letter from credit solutions limited saying if I don't pay in 7 days they will take me to court Im a disabled mother of 3 kids and on my own and worried that someone will turn up on my doorstep and take my stuff ... . Please help It is from Barclays Bank and I agree I owe around £400 but I asked them to cancel and freeze my account in April 2010 so I could start paying it off about £5 a month but they didn't stop it and now there saying I owe £874.79 .. I know I was paying this PPI but unsure which way to go now Plz help me sort this out asap ... Thankyou Mandy

Thankyou Lily of the Valley I have made an appointment at the CAB on monday and I am going to ask them if this lady can talk to me like she did, everytime I said 1 of my illnesses she said she had the same it made me feel stupid and upset me alot... Your right about not letting them get to me but its easier said than done but I will try , I will write to the ESA department to ask to change groups and if they say no I will go to every meeting and go for the jobs she tells me to as you say not one person would pick me over a healthy person... That way I keep my full benefit without her moaning.. I just wish I could change job centres because my son is going to the job centre closer to my home it seems abit silly to travel out of my way when I can go to a closer centre and to tell the truth Im abit nervous going back to speak to this woman because of the way she spoke to me , looking down her nose at me and talking to me as if Im making these illnesses up or there not as bad as Im saying.. Do you think If I called the job centre and asked to be moved they would do it for me ? Hugs :o) Mandy

Thankyou for letting me know the lady told me they would stop £27 out of my ESA because Im not looking for work or doing a course I left the job centre thinking I was in the same situation as before ... I am going to write to the ESA department to ask to be changed groups then I won't need to see her again ... Im already worrying about my next appointment in 5 weeks time because she made me feel so stupid and was making out my illnesses were in my head ... I suffer with anxiety and depression and now she's added to that

Im updating what has happened since all this above was going on , I reclaimed ESA and my doctor started giving me sick notes every month again, I went to my medical again and was awarded 12 points so I failed to be awarded the benefit again but at least this time they gave me some points, I wrote to the ESA department to appeal and two weeks later I was sent a letter saying they had awarded me the ESA benefit but they put me into the group that they help find work so Im still in this situation.. The problem is I went to the job centre last week the lady I was seeing was very snooty and was looking down her nose at me I felt uneasy straight away, she kept saying I either have to find work or do some maths, english, IT courses then get a job I kept telling her over and over again no one would employ me because I can't sit or stand for long I cannot bend down, pick things up, I walk with a stick or use a wheelchair because I suffer so much pain all over my body because of my Fibromyalgia and other illnesses and when I told her I had a slipped disc she said "Oh I have a bad back aswell but I can work" then I said I had a heart condition she replyed "oh I have a heart condition aswell but I can work" she didn't listern to a word I said..I told her I couldn't do a course at college ect because I would miss so much of it I wouldn't pass and I know no one would employ me with all my health issues because I would have to much time off I would get the sack... She told me they can take £27 off my benefit if I don't do what she says (i.e work or get a course). I asked her if I could get put in the other ESA group that cannot work at all due to health she told me I can write to the ESA department and ask them to change groups stating why I cannot work but she then said there's not much point because they never change groups ... I left the job centre in tears I was made to feel as if I was making my health problems up or it wasn't as bad as it said in my notes or what I was telling her . I struggled to sit in her seat to talk to her and when she finished just 20 minutes later I could hardly stand up but as I did she gave me a DLA form to fill in , whcih confused me alot because she was just telling me I was fit for work now this... my boyfriend had to help me back to the car then for the next 3 days I was in bed in constant burning stabbing pain all over my body I was taking my oralmorphine every 4hrs to cope with the pain and I felt so depressed because of what she said to me I would love to work I hate not being able to work.. I started work at the age of 13 with a paper round and at 15 I started working in a newsagents I worked right up until the birth of my 3 children only have the 6 wks off then I went back to work then after I had my third son I started to get ill, so I started working part time in a shop and eventully I had to give work up because I was having more time off than I was working due to the pain I suffer on a daily basis... Im unsure what to do now should I bother wrighting to ask to be changed into the other group .. Is there any point as the lady told me they don't change peoples groups ..I have filled in the DLA form she gave me and Im posting it tomorrow.. I think how they treat ill/disabled people is horrible they go on what the Asos doctor says .. These doctors only see you for 30 minutes or less , my doctors have known me for 20+ years she knows how I feel, all my illnesses and see's how much pain I suffer but the goverment doesn't want to hear from our own doctors anymore . I went to see my G.P a few days ago I told her what had happened at the job centre and she wasn't happy (because its almost like saying my doctor is a liar aswell ) but she told me she isn't allowed to write a letter to them anymore because they have to go by the goverments doctors even if there wrong..Its so not fare .. Advise please ... Thankyou Mandy x

If someone can help me I would very much appreciate it... I have been awarded ESA because of my health issues but I was put into the group that they help get back into work, I went to the job centre yesterday and all I can say is the lady didn't listern to a word I was saying I kept repeating myself and ended up leaving in tears.. I suffer with fibromyalgia, cfs, slipped disc with osteoarthritis, heart problem, thyroid problem,Insomnia, migraines, anxiety and depression I walk with a stick or crutches everyday and on my really bad days I use my wheelchair. Im on morphine everyday and loads of other medications ,Im in constant pain all over my body.. I am now in bed unable to get up and walk around due to the pain Im suffering after sitting in her chair for just 20 minutes... This lady was telling me I have to go and do some courses and find a job , now Im not against working I have worked from the age of 13yrs old and right up til the day before each of my children were born there now 19,18 and 13yrs old..when I became ill I started working part time untill it got to much and I was in so much pain I'd cry myself to sleep everyday .. The people I have spoken to at the job centre talk to me as if Im making it all up and Im lazy and don't want to work .. If I got a job doesn't matter what it is I wouldn't be able to do not even half the day and I would end up in hospital .. They say I can write to the ESA department and ask them to change my group they put me in to the other group but the lady at the job centre told me there's not much hope because they don't change the groups very often .. If they don't change the group Im in and If I don't start looking for courses or a job I will loose £27 of my money a week because I can't work and Im ill and disabled . I also have a blue disabled parking badge.. I have been told by someone at another job centre that it will be very hard for me to find work because of my health issues other words "who would employ someone like me that can only work 1 hr a week then need the rest of the week off because of illness" I wouldn't have enough money to pay bills,rent, council tax, all my medication, food and anything else thats needed If there's 2 people going for the same job Me and a fit healthy person they will never choose me.... I need advice on what I can do Im struggling to cope with all this and being ill.. Amanda x

I think Shelley181146 has made great points and to be honest the benefits system is so difficult to get any benefits if you havn't got the medical diagnoisis , letters from doctors, consultants ect you wont be awarded anything... Trust me when I say even if you have health and disability issues you get turned away Im speaking from experience...

I stopped everything going into and out of my acc in April last yr and this is when I wrote to the bank to ask them to freeze my acc so I wouldn't get anymore charges but the bank ignored my letter and the bank kept on charging me

can Power2contact put extra charges on top of the bank charges... I will make an appointment on monday with the CAB and ask them to help me with a hardship claim.. thanku for your help feel like I can now sleep abit better x Mandy

Im sorry but I cannot scan the letter but I will try and explain a little better, I had a Barclays bank account for over 10 yrs with Barclays and I started with an overdraft of around £100 but then I became ill and slowely started using my overdraft i had a meeting with an adviser explaining I wasn't working so they said I should increase my overdraft to help , to be honest I wish I hadn't bothered but at the time it was the only way I could see of coping with things so I said yes, the bank knew I was on benefits and couldn't work due to ill health and they said it was ok for me to increase my overdraft to £400 . I wasn't using all of my overdraft until the CSA stopped payments without telling me so I went over the £400 over draft limit my bank sent me a letter telling me I was to be charged so I put enough money into my acc to cover the extra money leaving it but the bank took another charge out then charged me again for using the over draft limit... If the bank hadn't taken the second amount I wouldn't of been charged and since then they just kept putting charges on even though I told them I was now disabled claiming ESA and I asked them to freeze my acc to stop the charges but they ignored my letter and just kept charging me I got info off this forum and sent it to Barclays saying I didn't agree with the charges , they replied stating the charges were put on my acc for being over the overdraft limit.. I wrote again they replied stating they couldn't take anymore letters from me and now I have had this letter from Power2contact.. This is what the letter says... My address and account details.. We have been instructed by our client to VISIT YOUR ADDRESS TO COLLECT THE ABOVE DEBT. You have made this action necessary as you have ignored all their requests to contact them and you have failed to pay your account. Our visits take place within the following hours.. Monday - Friday = 9am-8pm Saturday = 9am - 12 noon should you wish to avoid this course of action, you must contact our instruction agent WITHIN 72 HOURS of receipt of this notice. Credit Solutions Ltd Capella Court Brighton Road Purley Surrey Cr8 2PG Failure to comply to this request may lead to the above action without further warning or notice.. This is all the letter says I hope you can help me... Thankyou Mandy