reading with interest about Fredrickson International. They are acting on behalf of Argos Store card and this one I missed out of my long list of creditors, it was with muppetcroft but they did not want to supply standing order details and I did not want to pay extortionate paying in fee's at post office with there books. Now, first letter today, I have replied back saying thank you for bringing this to my attention the amount though does not tally with my last statement from Argos so I have told them I am going to SAR argos to see what's going on as it has been two years since I heard from them. Now you say these bad boys are quick for the courts,!!!! all my other creditors have accepted £1.00 token payments and with the exception of Marlin have been fine about it. Thanks to Bazooka we have put those bad boys to rest for a while, Yorkshire bank have returned all my statements for the last six years so I am going to count up the charges and deal with marlins shortly though they have been getting a token payment even while waiting. What worries me is that a judge may not look to favourably on me for missing this off and no payments since early 2010. Though am I right in saying that the letter sent to Argos requesting SAR should hold those vultures off!!!!!!!!!!!!! Will the CCA be included in the SAR????

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Hi Guy's Hippy back again, just a quick one, I have several debts and all are running along nicely but today I have received out of the blue a demand from Fredrickson International Ltd in respect to a Argos Card I had. I thought this was sorted and in my 16x £1.00 standing orders!!!! but alas no. I have told these pond life that I will be SAR Argos to see why my last statement in 2009 of £640.00 has now gone up to £855.00 I know muppetcroft had hold of this before. What my question is,,, if the pond rats called DCA's have been adding on there charges is this legal, ?????? I am first going to request a CCA from Argus and see what comes. Just want your thoughts on this.

Hi Guy's Hippy back again, just a quick one, I have several debts and all are running along nicely but today I have received out of the blue a demand from Fredrickson International Ltd in respect to a Argos Card I had. I thought this was sorted and in my 16 £1.00 standing orders!!!! but alas no. I have told these pond life that I will be SAR Argos to see why my last statement in 2009 of £640.00 has now gone up to £855.00 I know muppetcroft had hold of this before. What my question is,,, if the pond rats called DCA's have been adding on there charges is this legal, ?????? I am first going request a CCA from Argus and see what comes. Just want your thoughts on this.

Thanks Teaboy, I had a funny feeling it was those cockroaches in disguise,,,, Well they can wait till Hell freezes over at the moment. A £1.00 from me and a £1.00 from eX is all I can afford, mind you reading the article on the chap with 17 million debt and was ordered to pay £100 pcm, I might offer them a £0.01!!!!!!!!!!!!! As for £890.00 they can whistle, when I get my information back from yorkshire that will be cut by a third as it is mainly charges. On another note, I see Moorcroft are reverting to bright Yellow envelopes that makes me laugh,,, Lemons they buy and lemon for there envelopes.

Well my luck never runs a true and straight course. Was really up for the bankruptcy but job prospects at work not looking good so think I will hold off until all is sorted on that front. Have squirrelled away the £600 with good old mum. If job goes, house goes and neg equity can go into BR pot. Right, Yorkshire bank has been SAR requested today, will await and see what they come up with. This MARLINS are a cheeky bunch, looking forward to the fight with them now.!!!! Thanks to all for your help and comments, especially Bazooka, probably need his infamous letters again (heeee) Let the battle commence. Can't wait to see the amount of charges on that account. There £890.00 will be cut by a third or more.

As I am going BR shortly I pray each night to what ever God or Goddess is present or to my ancestors whoever!!!!! I pray to receive one of these, I would gladly welcome the field agent round for a cup of tea and sod the expense a Shortie biscuit for him, to serve me personally a SD...... I would then phone them day and evening to ask when they are going to take me as this would save me £600.00 !!!!!!!!!!!!!! £600 which was a missed mortgage payment on my house who's value is falling faster than a Wh*res draws,,,, neg equity now nearly £21,000. What a sign of the times, I have never missed a mortgage or Secured loan payment in all the years I have been here. Rang up full of fright and guess what, good as gold,,, One has given me a 3 month reduced payment plan and put the arrears on to the debt and the other as said payback at £50.00 extra a month but if that is too much let us know???? My God, these companies must be trembling in this economic climate, could end like Ireland and have estates full of reposed houses !!!!!!!!!!! heeeeeeeeeeee What a turn around. I know of one mate who lost his job last year and he begged them to just come and reposes his house, they did everything to try and make him keep it,,, three month payment holiday etc short of paying it there selves hmmmm Good old Crap Quest just wind and P*ss again me thinks hamster bedding I would presume. For that small amount of debt it just can't be worth it !!!!!!!!!!!!!! I maybe wrong but hey, it's too early for the Grass !!!!!!!!!!!

just made me laugh Judge said being phoned 18 times in 12 months was torture - bloody heck they were nice DCA's I had Mercers ring me 23 time's in two day's haaaaaaa If I was not going BR I would have hit back with that one, though I just changed me number and threaten them with court action if they kept ringing work.... The whole industry is Rotten to the core and as for our nice clean cut high street banks keeping a distance from these cockroaches, its pathetic

Yo hippy like's heeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee nice one silver fox.

Nice one Bazooka, sounds good to me. Let them keep sending and I shall reply that I have due to an upturn in my fortunes I am in a position to offer them !!!!!!!!!!!!!!!!!!!! wait for it !!!!!!!!!!!!!!!!!!!!!!!! a big fat £0.00 a month for perpetuity heeeeeeeeeeeeeeeeee

Dodgy that is what I have been doing for the last two years, the hassle of it is not worth it. They hound you every three months and at the moment no charging order has been put on the house but I can envisage some skulduggery from some. I want a clean start. The house is now in negative equity and I think this is the best option, I am 52 years old, don't want credit ever again and certainly could not afford to buy another house. I thought you could not use the online forms anymore?????????????????????

Just ignore those idiot's had one of there field agents !!!!!! come to me door, told em to P*ss off never heard anything again. They washed there hands of it and Muppetcroft is now looking for the money, guess what, they can foxtrot Oscar as well. £100.00 unfair bill from O2, now up to £149.00 with charges. As I'm going BR they can all whistle in the wind. Leave it, it looks statue barred.

Had another letter off these vultures saying they were going to hold for 30 day's and they no the law and would not possibly pass my information on to a third party. Well guess what MARLINS hippy has his £600.00 and it's off down to get the BR papers tomorrow. They have had there last £2.00 off me today, I hope they enjoy it. Still did not get any further with who bought this debt who the bloody hell are ME III LTD ????? Have googled this outfit and nothing. These cockroaches are the worst of my 16 creditors but guess what, I will have some fun with these bad boys now. Not going to waste me £10.00 on a SAR as I am off to the court to pick up me BR papers but will let them swet it out..... Will need Bazooka to pen one of his legendary letters when I finally become BR. Must make em work for there £15.00 they probably spent purchasing my unfair charges!!!!!!!!!!!!!! Scan10003.pdf

Want to get the papers and start filling them out as I'm off for a week. IS IT THE COUNTY COURT I GO TO?????

I don't think the OR would consider 20k equity very small. He or she would want that to help pay your creditors off. When they say small they mean small,,, I have read somewhere they usually don't want to mess with assets less that 1k,,, so I think Surrey your on a loser there. When you say secured loans on the house I take it you have counted that money into the property's worth.?????? ie. Sell house pay mortgage and Secured loans you are still left with £20,000. !!! Could you not raise the £20,000 somewhere, it does seem that BR may not be your option here because you have an asset that would pay off the debt.

Ok After two years of heart ache, worry and sleepless nights the Hippy has decided to go bankrupt. Not a light decision. I have approx £40,000 of unsecured debt. ouch don't know what it went on had most of my cards since the late 90's and early 00's. Need advice. CAB lady is going to make an appointment for me, she has been trying for two years to get me to go BR she thinks this is the sensible option. House is 20k in neg equity wife ran off the usual story. Have me £600.00 thanks to default on mortgage, they were very nice are going to allow me to pay it back at £25.00 extra per month that will hurt. I want to get the ball rolling so what is my first move.. Do I pick up the papers from my local county court and then wait for appointment with CAB.???? Any advice would be gratefully accepted. Not looking forward to this but It is now my only recourse.

Further to my last post. I have a dilema, I want to keep the house which is now as I said about £20,000 in negative equity. Ex is not contributing but I would love to get the £40,000 unsecured debt of me back. I have no way of paying it back. I earn and that is with weekend allowance £1400 take home. £928,00 is taken up with the mortgage and SL. Council tax another £100 and electric gas and food and it's all gone. I have missed this months mortgage to pay for the BR should I now decide to take that route, even the lady from CAB thinks that is the sensible option. The only worry is, if I lose my job in the future I would have a short fall on the house and be back to square one. Even though its jointly owned she is living in rented accomatadion and does not want to know about this place. (she would if I was selling and there was a profit.) she doe's however not claim her child maintenance as this is her half of the SL. she is adamant she is not paying half the mortgage as she doe's not live there. 1st question. It looks like I would keep the house as the OR would not want it because of negative equity and would look again in two years and three months time (correct or not) 2nd On my income and expenditure will I be able to put down my mortgage arrears payback, I will offer £50.00 on both of them extra a month. should take 10 months to clear original mortgage and eight months SL. Will the OR be happy that I am paying the whole original mortgage, just as cheap as renting a one bedroom flat anyway. 50% of SL and of course child maintenance. Now by my reckoning I am going to be about £32.00 in credit without paying the £1.00 token payments. What IPA can I expect????? Decisions decisions, it is a gamble I have to take I suppose,

Great advice Jimbo, watching this with interest. I am a home owner but £20,000 in neg equity about £40,000 unsecured debt, ex ran off have mortgage and secure loan to pay myself as she is not playing ball. 70% of my income gone with just mortgage and SL. by time council tax and utilities and food are taken out minus for the Hippy, I have agreed £1.00 token payments with 15 of my 16 creditors or DCA's. Marlins on the other hand accepted in December for a pitiful £890 overdraft made up of unfair charges a £1.00 a month then in February wanted to up it. So am going to SAR Yorkshire bank. On hold now for 30 days. My debts have been ongoing for nearly three years, Jimbo is quite right, what can they do, I am a house owner, had the threats, I tell them, go for it and I will let it get reposed and go BR. I have this month missed for the first time in 13 years my mortgage payment and SL payment. The money has been put in another account ready for bankruptcy should any of these clowns try any dodgy tricks. As for my credit rating it is already shot away and to now learn what these cockroaches pay for the debt has made my blood pressure rise through the roof, (extra atenolol for the hippy) I am trying to force my ex's hand in to contributing to the mortgage and SL if she doe's not play ball then its let them take it, see what's owing to the SL lender after and throw that in the BR pot as soon as it becomes unsecured. It is a nasty business, they lie and threaten you, but as someone said if after nearly three years I have not acquired as yet one CCJ then they are wind and P*ss I just wish one of them would give me a SD, save me £600.00 if i need to go BR.... One question, which i think I know the answer too, if by any chance I receive a CCJ, the bankruptcy I assume wipes that out???????

Well I sent this to e-mail to them, they can lump it or like it. I have nothing to hide, can't understand why they are being so greedy as they agreed the token payments in December. !!!!!!!!!!!!! At least this has alerted me to those excessive bank charges. Not as good as Bazooka but will let him fire off his big guns if they get funny.

Thanks cerberusalert, can't really remember. I was at the time in a dingy bedsit and at war with the ex. Debts were the last thing on my mind at the time. I probably did but hey ho... That is why I am going to SAR Yorkshire Bank and see what they have. It was 100% there fault. I would estimate that half of the £900 is charges if not more. I was at the stage of taking it to FOS but it was such a trying time. To be honest with you I don't really care much now. My other 11 creditors are fine, I have just had house valued and it is £20,000 negative equity. By time I pay the mortgage and Secured loan I have about £200 left. Electric, Gas and council tax soon eat in to that. It's just these muppets who are playing silly buggers, they only had a IE from CAB in December and agreed a £1.00 token payment. To be honest with you when I look at what those bloody bankers got away with then really they can whistle for it. Bankruptcy is now looking like the best option but Will play them along for the benefit of all those people live's those *ankers have ruined. Try and gain experience of debt so I can help others. I am 52 years of age kids nearly grown up in a job I enjoy and a very nice girlfriend. As I said before I work in a Acute ward of a busy hospital and to be honest my health is more my concern than money to these sharks. Most if not all my credit agreements were in the 90's so I would expect a lot of them would be unenforceable but I am paying me token payment as I had the money. BR holds no fears for me, I could never afford another house again and certainly have learnt to live without credit for the last three years. So Marlins bring it on you vultures...!!!!!!!!!!!!!!!!!!!!!!!! you have a fight on your hands with the hippy......

Thanks BB, so just tell them that I am requesting a SAR from YB and that as far as I am concerned I can't make head or tail on who they are acting for. Shall I give em a clue as to why I am SENDING yorkshire bank a SAR or just let em swet. Can you come up with one of your brill e-mails. ????? will fly it off tomorrow.

Charlie,, President Idi Amin, went to Saudi Arabia my friend not Egypt.

Well BB have just arrived home and found this from our friends Muplins,,,,,, It seems through the choas that I did not realise it had been assigned. What action now.??? I know this is made up of a very large amount of charges that was YB mistake in not changing my account. Do I SAR marlins or still YB. I sent your penned last word for word... (heeee) keep them coming BB. I am numb meself, just come off 3 x 13 hour shifts and today as OT. On a separate issue, have been battling with moorcroft for there S/Order details. In the end told them to take me to court or else. Would not pay extortionate slip charges at PO. Guess what.. straight back with details. http://www.consumeractiongroup.co.uk/forum/user-pics/customprofilepics/profilepic144436_7.gif Scan10001.pdf Scan10002.pdf

Fantastic BB off today with that one. Your a legend.

Thanks guy's will do