Thanks Dx for your reply, will send them a letter today

Hello Everyone, some advice would be welcomed. I applied for and recieved an MBNA credit card in November of 2015 in order to pay off my overdraft which was crippling me. The arrangement was 0% interest if the credit card was paid off in 2 years. The amount was £2800. I have been making payments of £120 per month up until last month, as I no longer have any employment, and am now starting to get chased. I am about to offer them a £1 per month courtesy payment until I find employment again, could anyone help with how to word this? Also, their terms and conditions state that if any payments are missed the zero interest is cancelled and I start paying interest - can they do this? All this will do is make matters worse Any advice is much appreciated.

I had dealings with these, I ignored everything. You will most likely receive a chain of letters each more threatening. My last one had DEMANDS for PAYMENT IMMEDIATELY in bold capitals, this was in January and have not heard since.

Hello all. I posted here toward the end of November for advice on a letter I had received from Debt Managers LTD regarding an orange debt they are collecting on behalf of Arrow. The advice was to basically ignore, which I did and heard nothing until I received another letter today from a company called Call Serve, in very blunt terms stating that 'unless I have good reason not to, payment is required within 7 days. Is ignoring still the best option? I am quite happy to, I just don't want them trying to obtain a CCJ by default. I have checked my credit ref, and nothing appears there, and I have not been with Orange since Sept of 2007, I don't remember any debt but was having personal problems at that time and cannot be sure. Any advice would be greatly appreciated.

Thank you QB, any reassurance is certainly welcome! I shall watch your thread for any further developments

I am considering it actually. I can't see how they can send a phishing letter asking to confirm my identity, then just decide it for themselves and send another letter with potentially sensitive information - breach of DPA? Should I write to them telling them to prove it and cease all contact until they can?

I had the same problem with Noddle not allowing me to register, but no problem with the other main one!

Thank you for your reply. I have checked my credit record, and nothing is showing. What concerns me is the fact that if they do come they will speak to my landlord, as we share the same grounds. Also, if the alleged debt is not showing on my credit report does that mean it is not existant? My credit report is in good standing right now and would like it to remain that way. Many thanks

Hello all, I was wondering if anyone could help. I received a letter about a week ago from Debt Mangers LTD stating they had been looking for a person with my name and to contact them, the usual phishing trip, which I ignored. Today I have received a letter headed Doorstep Visit with a threat to have someone call at my address unless I call them immediately. They claim I owe £728 to Arrow/Orange. I did have an Orange phone account, but not since October of 2007, and I cannot recall owing them anything. My main concern is that I live on a property that shares grounds with my landlord, and do not want debt collectors turning up, especially since no details of any money owing have been given. Any advice on how to proceed? Many thanks