Thanks for advice all! Great site!

Hello All! I've never taken the plunge to join a forum but I am now at my wits end! My boyfriend got himself into debt problems (before we met) which he then tried to use an agency to help with- Byrom & Keely in order for us to eventually get a mortgage I took over trying to help him we paid the agency religiously for a year to continually get debt collection letters as well as letters from the various bodies (abbey, co-op, black horse and mbna) it turned out byrom & keely never paid any agency I stopped paying them then sorted out plans with other agencies when they finally wrote with contact details he got a ccj in a court case we were never aware of as everything was dealt through the agency. I've been paying most of them by direct debit for a year and a bit now but have no payment plans therefore no idea when the debt will be repaid and how much for as well as that the names on the dd keep changing one was bucannon clark and wells now apex, and another lowell portfolio who i'm not sure is repaying what and who increased the amount from 120 to 126 without informing me and a new agency has come out of the woodwork demanding money (equifax) for co-op who I assumed was what lowell paid. I am at my wits end and work all the hours god sends already and caan't afford legal help and the CAB is never open or available! I need advice...

just found its equidebt! also debt managers are not taking dd but taking it as though its a maestro payment. very dodgy i think.

Hey, thanks so much for replying! Abbey overdraft just under 2000 Wescot 70 a month online payment as well as paying 700 upfront. Abbey credit card about 3k Blackhorse (CCJ currently pay online once a month) £100 total 12k Co-op 3k I thought was Lowell portfolio 120 now 126 a month equifax now involved MBNA 4k which is debt managers on behalf ofaktiv kapital first investment which in turn is for mbna as i understand it He's not great at dealing with this stuff and of course they won't speak to me! We spent over 3000 paying Byrom & Keely all to no avail. Luckily I do have all my bank statements.

Hello All! I've never taken the plunge to join a forum but I am now at my wits end! My boyfriend got himself into debt problems (before we met) which he then tried to use an agency to help with- Byrom & Keely in order for us to eventually get a mortgage I took over trying to help him we paid the agency religiously for a year to continually get debt collection letters as well as letters from the various bodies (abbey, co-op, black horse and mbna) it turned out byrom & keely never paid any agency I stopped paying them then sorted out plans with other agencies when they finally wrote with contact details he got a ccj in a court case we were never aware of as everything was dealt through the agency. I've been paying most of them by direct debit for a year and a bit now but have no payment plans therefore no idea when the debt will be repaid and how much for as well as that the names on the dd keep changing one was bucannon clark and wells now apex, and another lowell portfolio who i'm not sure is repaying what and who increased the amount from 120 to 126 without informing me and a new agency has come out of the woodwork demanding money (equifax) for co-op who I assumed was what lowell paid. I am at my wits end and work all the hours god sends already and caan't afford legal help and the CAB is never open or available! I need advice...

Hello All! I've never taken the plunge to join a forum but I am now at my wits end! My boyfriend got himself into debt problems (before we met) which he then tried to use an agency to help with- Byrom & Keely in order for us to eventually get a mortgage I took over trying to help him we paid the agency religiously for a year to continually get debt collection letters as well as letters from the various bodies (abbey, co-op, black horse and mbna) it turned out byrom & keely never paid any agency I stopped paying them then sorted out plans with other agencies when they finally wrote with contact details he got a ccj in a court case we were never aware of as everything was dealt through the agency. I've been paying most of them by direct debit for a year and a bit now but have no payment plans therefore no idea when the debt will be repaid and how much for as well as that the names on the dd keep changing one was bucannon clark and wells now apex, and another lowell portfolio who i'm not sure is repaying what and who increased the amount from 120 to 126 without informing me and a new agency has come out of the woodwork demanding money (equifax) for co-op who I assumed was what lowell paid. I am at my wits end and work all the hours god sends already and caan't afford legal help and the CAB is never open or available! I need advice...