well i dont have any cheque book for halifax,so will be with drawing money and paying every thing in cash...no over draft either. ive done every thing by the phone and follwoed it up with a stern letter as directed by the financial ombudsman

when i got in touch with them they said this is for the second charge not the first one i really dont understand

alliance and leicester are a joke.most of Mine were cancelled too but they told me that i needed to contact the payee and cancel with them too. when bt took the charges from my account for telephone they were supposed tp be £21 per month ...they took 84 pound which took me over drawn and it was on the wrong date what happened to direct debit guarentee? they make me sick.ive moved my benefits to halifax now and will arrange to pay back my overdraft to them so much per week will go to the cab in needed. good luck with yours wobbles...they make me sick

itsthe alliance leicester have been on the phone to them all morning. she has told me its not illegal to take charges from benefits and that they cannot return any charges at all till this court case is over and done with.i said its not part of a court case...its me asking you for my benefits back..she said its the same thing. sorry get in touch with bt they took it wrongly. i now have 2 cheques bounce today because of it and now feel like crying:confused:

i am in this situation today.The bank have taken 50 quid charges from my account and all i have paid in to there is my benefits.:(they were taken as monthly charge as bt took money they shouldnt have by direct debit in the month.i got the money and charges back from bt but the monthly ones i havent im sick.now my cheques will bounce that ive sent out.help!!

The debts that are with DCA MUST be checked to ensure that they can legally collect them what does that mean ?

post to who....omg i i sound so thick im sorry

omg that sounds so confusing

what do i say to them sorry is so nervous

oh rightio well to be honest we could afford that loan if we sported all the others out. sounds bad that doesnt it

most of them are with collection agencies now.and i pay each approx 5 to 10 pound a month.but our loan is 109 a month and thats what is crippling me now

most of the debts are in my name yes we have one shared bank loan with both our names on i filled in one of those budget forms with national debtline.they were great on the phone to me last time,i got the bottle and rang.my main concern is the court fees.i know i may get exemption from the court fee but its still over 300 pound to file for bankruptcy

thanks guys its basically ,credit cards,catalogues,store cards.nothing secured on anything at all ..im scared to ring any one to be honest.hate using the phone

right ok.... here goes i went with the cab, 2 years ago who totally cocked up my repayments.they didnt sort it on a pro rota so thinngs got out of hand.After 12 month of minimum token offers cab wouldnt help me no more (they only assist for 12 month).so i started getting letters from every one wanting up my payments.so stupidly i did as i could.My hubby has a bank loan so we are trying to cope with this too .i contacted the national debt line who worked out with the arrears in rent and council tax i have (due to benefits recharging an over payment) i would be better off filing for bankruptcy and they sent me all the info. my nerves are shot......i owe about 15,000 altogether and i cant do it no more.im not sleeping worrying about were the next meal is coming from,i keep going over drawn at the bank so its like a catch 22.just today i had 50 charge on my bank because of bt taking the wrong direct debit from my account.they gave me the over drawn charge back as credit on my phone bill but not the monthly over drawn charge so its left me in the poop...dont think i would be able to get the court fee together though so im all over the place

hiya again got defence from wragge and co on saturday. also a letter from courts saying i have to pay my court fee i place application in for exemption as on benefits ........will be struck out if they dont hear from me in 7 days what do i do panicking here?

cant take no more sleepless nights worrying how im gonna pay the stack of bills on my table.All cheques written out and shoved in envelopes ,only waiting to get sent. ive been on lower arranged payemnts for ages but i still cant manage,i receive full child and work tax credits and hubby works 18 hrs a week,we dont own a home,car or any thing else.Do you think it possible to claim bankruptcy? ive been reading through alot of threads and my main concern is getting the court fee together. feel like running off a bridge any advice would be great so i can sleep again :?

that dont stop my knees knocking

HELP some one calm me down been sat here since 9am going through threads and trying to put a court bundle together. there seems so much can some one please please give me a break down of what i need as i cant find everything so far have got spreadsheet letters to and from bank letter stating a&l defendingterms and conditions mcnamara interveiw letters from court stating they are defending i have such a head ache.. im still waiting to hear from court..ie date and stuff but i want it ready. help please before i go over boil as im thick when it comes to things like this xxxxxxxxxxxxxxxxxxxxx

credit report is dashed any how to be honest got meself in a right muddle

would it be an idea to change my benefits over to my new bank and start an arrangement to pay back nmy overdraft to a&l at 10 per week?

ok got my spread sheets done by a nice matey poo of mine still getting a bit confused over the court bundle though

would this work for me as the only money that goes in to our bank account is wftc and ctc have a 500 pound over draft and it can go over from time to time.

bloomin eck..# were do i start well no i did start and done it all wrong so i gotta start again

no i sent the one off martins money website

sorry to be a pain in the bum but in the court bundle do you have to do a spread sheet of charges or can you use the print off from martins website.you know the calculator you supply to the bank when claiming coz if its a spread sheet i would know were to start