yep it cost me £350

il get a scan when i get my hands on the letter and post it here

there's only me on there http://www.insolvency.gov.uk/eiir/IIRSearchNames.asp?court=LEICS_Leicester&courtname=LEICS_Leicester&office=&officename=&OPTION=NAME

no i dont he's called roger im called mark i havnt ever had anything to do with severn trent before

please close i have gone bankrupt

i just gone br and completed the official recievers interview yesterday and severn trent water have wrote to my dad sayin that the insovency people have wrote to them to inform them that he(my dad) has gone bankrupt i live at home with parents and 1 brother and i fear that i have doomed the whole family in to a fanincial black hole i dread to think what other letters like this will come through the post my dad is real angry and wants to chuck me out because everyone has first class credit score apart from me i would of never done BR if i knew it would doom the whole family my brother needs student loans to go to university:eek: can anyone help me please :(

i forgot to add when they ring up and they ask for me to verify my age etc i say "no sorry i cant do that" i usualy get a grunt and the phone gets slammed down lol!!

small update new letter arrived yesterday:

hello i posted cca letter special delivery 22/2/2010 its now 8 march and no reply yet and they sent me another letter today...

thanks for that i had visions of being left with just the clothes on my back after BR

i have a T reg 1.8 3 door focus with 153k miles on the clock 11 months mot tax runs out in 2 weeks and i'd say its worth around 1k i live in a remote village with no bus service the nearest paper shop is 4 miles away i use the car for job hunting going to the job centre for interviews and signing on and taking my brother 4 miiles to the bus stop to go to leicester university and fetch him back again do you think my car is safe from going bankrupt ?

wow thanks guys its now changed to fairfax solicitors limited shows how silly i am printing the letter with that other company's name in it! sorry for being a total noob and asking obvious questions

ok bebt4get's letter is in envelope with fairfax adress on it waiting for the chance to get postal order added to it what is this "Thames Credit Limited" in the letter ?

sorry to post again but i signed it with a hand witten looking font is this good or bad ?

wow thanks for that il do this right away sorry if my replys are not verry good im not too good at typing letters and forum posting because my brain is a bit slow lol is there a forum about going BR? thanks for your help i rearly apreciate it once i get my self sorted i will donate some money edit you answed quesion while i was typing

its for alience and leicester credit card (mbna) and first started to strugle with payments about 4 years ago then went on to debt management with debt free help line manchester for about 18 months paying 250 a month then DFH put me on to an IVA that lasted about 18 months before failing and that was 301 a month everything was good when i was working i could see the light at the end of the tunnel i have the forms from the court to go bankrupt and unsure weather i should proceed as my total debt is 31k i only own a focus worth about 1K with new mot and tax runs put at the end of the month and 153k miles on the clock other companys havnt botherd contacting me once since the iva failed dont know why but in not complaining about it also when dfh took over my stuff accounts got sold etc but all the letters went to them so i dont know who i owe to and how much! they just sent me a letter saying the iva been terminated and thats it

hello all this is my first post i was made redundent 13 months ago and luckely enough i could move back home and my IVA failed around august that i had with Debt free help line manchester then end of november the calls from fairfax started and never stoped i get computer generated calls etc on every call i say im skint and cant afford to pay on job seekers allowence. and use my money to look for jobs (petrol in parents car) and pay rent parking fees and food 3 days ago i get a call and he asked the usual questions and he got the usual reply but this time he says he is now going to start legal procedings and will be sending a letter because fairfax isnt there to be messed around with ! anyhow the letter arrived yesterday and here it is: also is it worth applying for the original credit agreement ?