Thank you for all the wonderful advice. I've been with ccs since february and it's well set up now. So i will do as you say everytime they call. thank you again.

I have told realiable collections this and within an hour they will phone again. I'm a full time carer for my mother and son who are both disabled and this company are stressing me out. This debt is managed by cccs and They have my reference number I've given it to them but they want more money in the last six month my det with this them has gone up by sixty pound even though I'm make monthly payments.

I have set up a payemnt plan with cccs for my debts to pay off all my debts as this is easier for me. But I am now getting ten calls a day from Jd williams demaning money. I have sent them a phone harrasment letter but phone calls continue is there anything else i should do. Thank you

Thank you for the advice.

My grandfather was fully paid up for this year. Then they gave him a refund with no explation. Now He ownes money because of their mistake.

Hi I'm writing this on behalf of my grandfather who lives in bexley. In February he got a letter from the council stating that he was due a refund on his council tax of an amount of just over two hundred pound and he had to send back a form with account details of the account he wanted the money put into. So the refund went into his account. Then this week he got a letter from the council demaning the refund back immediently which he can not do. So he phoned them and was informed the council made a mistake they removed his house from the council tax list and because the house was not on the list no council tax was due so they refunded the amount owning. Once they realised they're mistake they put him back on the list and now they want they're money back. Now My grandfather is eighty years old and his health is failing so his extremly stressed. He used the refund for much needed repairs on his house as he only has a pension coming in. So does he have to repay and if he does do they have the right to demand it all back in one go or can they accept montly payments. Thank you in advance for any help.

Thank you for the great advice. I will send that letter off in the next few days. I have sent the letter for telephone harrasment to them but its still on going.

Hi I've had an account with capital one for over a year and I've always paid my monthly payment from my bank account at least ten days before its due via a scheduled payment. In February at the end of the month i got a letter from them stating that the details i was using for my scheduled February payment was wrong and they gave me the correct details that i should be using. they also said my payment would not reach my account for another ten days Now i checked my details on the payment i made against the details they gave me and they were exactly the same. About two days later i then got a letter from capital one telling me that they were charging me a late payment fee and an overdraft fee because i had not made a payment for February. Now I have contacted capital one and told them that i had made a payment and i feel they made the mistake with my payment but have basically been told they will do nothing to help me. I'm self employed and on a very low income so was unable to pay all the charges off and capital one just keep adding more charges. Plus phoning several times a week even though i have asked them not to contact me via the phone because the woman who phones is very pushy. So my account is now over a hundred pound overdraw just because of the charges. I'm still making payment every month but this is only covering the basic payment and a portion of the interest. Can anyone give me some advice about what i should do next because I have no idea. Thank you Louise

[Can I ask how you made the payments - was it by cheque - if so was the cheque presented and paid if so perhaps a letter telling them that and enclosing a copy of the cheque. More generally, in case you haven't done so yet, send them the standard cca letter requesting information on the account, original agreement etc then post a copy of the original agreement on here for someone to check whether its' valid Hi I paid via standing order. Louise

HELP In Febuarary i agreed to make payments on a barclays debt with Jb Debt agency. So i agreed to pay £72 instead of £123 which would have saved me some money. So i made the payments as agree making the last payment around the 10th of May, Well before the final date date of payment at the end of May. Then i got a phone call today claiming that i missed a payment in march so i defaulted on a payment of £8 and they're now claiming the whole sum of money. Now i know i made all payments and I'm not sure what to do now. As for one things all the money owned is down to bank charges which I'm claiming back in court now. Plus My father is terminally ill at the moment and i'm having health problems of my how so I'm only working only limited hours to earn a basic income to cover expenses. Thank you for all help Louise

Thank you all for the help. I'm going to issue a claim on money online as soon as I get back from being away working. Louise

Hi I have halifax statements going back to 1996. Can I claim charges back to this period. I've put my claim in and recieved full offer on charges from july 2001 onwards only. If i take the matter to court would they pay on charges before this date or should i just take the offer. Thank you Louise

Hi I sent them a letter i got from this site asking them for a copy of my credit agreement in april and In June they sent me my statements. Thank you for your help Louise

Hi I've had an account with cabot to pay off An overdraft with Halifax. Now Cabot sent me all my halifax statements as prove of the credit agreement i was requesting and I worked out all the charges on my account which was the reason i went overdrawn. Now Halifax sent me a offer on these charges which they would use as parital payment to pay off my overdraft but the amount they saying i owned before they took off the offer is £292.10. Now I know I have paid off a lot of this to cabot because I owned 292.10 at the start so none of my payments have been taken off. Some advice on what i should do is requested. Thank you Louise

I've put a block on their phone number today using Bt choose to avoid and Sent them a letter about phone harrassment. I help care for my father and me getting upset was upsetting him so i choose to do this today.

Do i send the SAR to the bank. Sorry new to this whole thing. Up until now I've felt out of control of this sitution and the only day of the week i've felt comfortable is sunday because i knew there would be no calls. Thanks

I'm willing to pay off my debt but it's the way this company treats me and others like me that upsets me.

I did have those words on the letter. I hav'nt got any old statements on the account. I wish i did but i got rid of them 18 months ago. Thank you for all the help.

Hi I've sent off a CCA request to mackenzie hall this morning by recorded develivery. Have i done the wrong thing. Also the over draft was caused by bank charges. Can i do anything about this. Thanks

]In her first post, OP said that she tried to set up a payment plan by letter. I sent them a letter in december asking to pay in installments and recived a very agressive phone call in response. They keep saying i have to pay it all in one go but talking it through with my mother. We think i paid this debt off in full about three years ago to another collection agency. These phone calls are making me ill though recived two calls yesterday while i was out demanding I call them before the 19th.

I've got no way of knowing the exact date. I'm not a good record keeper. But i know it was some time in 2000 possible early 2001 at the latest. Thanks for the help Louise

Mackensie Hall say they're going to take me to court and i offered to pay on the account reference they had given me. I made a payment to the bank six yers ago i think but I'm sure that was last payment. I don't know if theres a ccj. Thanks

HI I had'nt recived any calls or letters about this debt in six years and It's a barclays debt because i went overdrawn. I have not paid them a penny because they're demanding all the money and I can't pay it. Thanks

Hi I need some advice. Mackensie Hall have been contacting me since the end of november. I have found the woman who contacted me very agressive and i have often been in tears after these calls. I know the debt they're trying to collect on is over six years old so what do i. I tried to set up a payment plan with them via letter and complained about the calls i had recived but this was refused. so what do i do next because i can't cope with the weekly calls. thanks