Hi ! I have just been contacted by telephone by a company calling themselves " Credit Solutions". They asked me to confirm my d.o.b and address, I refused to tell them anything until they told me what this phone call was about, they again asked me to confirm my details, so I told them to b***r off and contact me only in writing. Has anyone else heard of or had experience of dealing with this particular DCA ?

Hi ! I have just been contacted by telephone by a company calling themselves " Credit Solutions". They asked me to confirm my d.o.b and address, I refused to tell them anything until they told me what this phone call was about, they again asked me to confirm my details, so I told them to b***r off and contact me only in writing. Has anyone else heard of or had experience of dealing with this particular DCA ?

Hi everyone Just in process of taking on both halifax and northern rock banks, I have already sent LBA`s to both parties and both have responded by threatening that if I issue court proceedings against them, they will immediately apply to the court for an order to stay my action until the resolution of the banks proceedings with the OFT. Should I call their bluff and issue proceedings against them regardless or should I just "hang fire" ? What do other members think ?

Hi everyone ! I have been contacted by a DCA, called Commercial Credit Services, in respect of an alleged debt that I owe their client (the actual amount owing is in dispute anyway). They have added 15% late payment charge onto the debt, although I`m pretty sure that they are not entitled to do this I have . On this basis , I have told them "where to geroff". What do other members think ?

Hi ! I recently underpayed 1 months repayments by £100 of a car loan, with the proposal of making addition payments of £33.33 over 3 consecutive months in order to catch up. Black Horse are now trying to charge me £25.00 late payment charge, plus a whopping £80.00 for what they call "collection activity charge". Are they within their rights to do this, or am I right in thinking that is the very same stunt the banks have been trying to pull ? My own view is that the very same rules that apply to rip off bank charges/credit card charges also apply to finance houses such as Black Horse, Your views and comments please.