Once again, thank you for all your replies, it's so good to know someone actually cares about us "little people"! I'm going to use one of the templates (Letter F) and wait and see what happens. I'll keep you posted.

Thanks, but I did the thing with the CCCS - they didn't offer any sort of payment plan, just 2 personal phone calls and then they sent me the relevant forms to send to my creditors, which I did over a year ago - the whole thing has dragged on since then, with me making erratic payments whenever I could afford them (the £1 was refused by them all, even when my income/expenditure told them I was in a minus situation!) I also contacted the Nat Debt helpline, who told me the same thing as CCCS - offer them a £1. Incidentally, since my last post, Fredrickson's have actually written to me (after 4 slightly threatening phone calls demanding full payment, each time I asked them to take me to court.) once again demanding payment in full - I find it laughable that you can pay by "by cheque, or credit card"...I am in the process of putting my request in writing, as they obviously ignore phone conversations. This one is to Egg, for £2184.

Thank you for your replies. I first contacted the CCCS a year ago, they were excellent, I followed their advice, and OK, it did delay everything giving me time to think. They are the ones that suggested the £1 per month thing, which all my creditors refused. Their forms are good, though (eg the income/outgoings one) and I have used them several times. I have been trying to get control of it all ever since, and refuse to be intimidated by the debt collection agencies, the advice on this site has been invaluable, telling me what they can and cannot do regarding phone calls etc. Thank you! I'm currently waiting to see what LloydsTSB do, waiting to see if they can take back their Statutory Demand (through Connaught Collections). Will keep you posted.:-|

Hi, I'm new to this, but have read many of the threads....excellent to find such a wide range of help! I have unsecured debt problems with MBNA, Egg, and LloydsTSB., totalling about £32k. After dealing with the usual, sending income/expenditure forms, offering the usual £1 per month (and getting it rejected), I finally came to an agreement with them to pay a "temporary" £20 per month to each. Things went from bad to worse, I defaulted, they kept ringing at all hours of the day & night, putting postcards through the door saying to ring a number where I would learn something to my advantage....one even sent me a birthday card asking me to ring a number I didn't recognise (?!) OK, I know the best approach is NOT ignoring it all, but it was all so stressful at the time. I have finally contacted them all - they debts have been passed to solicitors then debt collection agencies, then back to the original creditors, and now appear to be back with different collection agencies. I have asked them all to take me to court (I am currently claiming housing benefit and working tax credit as I am only working part time) - LloydsTSB have sent me a letter stating they are making me bankrupt, which is actually OK with me, but when I contacted them, they asked me if I owned property - when I said no, they said they couldn't therefore make me bankrupt....what is going on here? I cannot actually afford to declare myself bankrupt, even with the fee waiver for low income. I had thought that even CCJ's would be better, as the court would decide how much I can afford to pay back. Please help???

Hi - I am new to this, just joined today, looking for advice! The police called on me yesterday (on a Bank Holiday!) to inform me a van that was owned by me had been found abandoned in Newquay (I live in Leicester). Now, I sold this van in March 2005, filled in the necessary forms and returned them to the DVLA, as you do. Then received a tax reminder 5 months later, but ignored it as I had sold it. The next thing to come was another tax reminder and fine, so I rang the DVLA and they said they had not received the Logbook when I sold the van! Their mistake (and prob mine, as I didn't send it recorded.) Filled in the relevant DVLA form informing them of the buyer's name etc. Didn't hear any more, moved house, still didn't hear anything, so assumed it was over & done with. I told the police who I'd sold it to, and when, and he went away. What will happen next, as presumably I am still liable for the back tax and the fee involved with having the van scrapped in Newquay, as I have no proof I posted the Logbook?! Can anyone help??