Hi I'm new on here too, and since I posted a thred on here not long ago I have so much more confedence to deal with my DCA's. As when your at home not anwsering the door because you think its one of them, and it turns out to be the little lady next door, or you wait untill somebody else comes home to pick the post up. (even though it is jut a letter) We cant be scared or worried about them because in many cases this is how we end up in trouble like myself, the more confusion or fear of them there is in a sence the more power they have over people. We just have to face it and take the kind guidence given by the people on this site. Who are excellent. Read some other threads too. As unique as your past is there is always good things too read off other threads. Good Luck

Right ok guys I have written it up and will send it recorded delivery. Is there a time limit on which they have to reply? and should I (print) sign my old name on there account or should I use the name I go by now?

by doing that tho will i accept that the debt is mine weither they can prove it or not? what happens if they do not produce the doc.. or if it is the wrong one?

sorry i have posted the same thing twice lol

OK well I have just opened one of the letters it states we are trying to contact a .... name.... in who lived at .... if this is not you please contact us so we can omend our records. the next letter says : client thats all just tells me the original creditor thats it. it doesnt state if it is the overdraft or the loan i imagin its the over draft due to the amount. is it possable they no longer have the subject access request i first singed for the overdraft in 2005 early 2005 i think i cant remember properly. I wish i kept paper work lol.

Right its as far as i know an overdraft and the company are lowell finacial. and i imagin there will be alot of charges on there too, i recon at least half the amount is charges. But it could be a bank loan untill i contact them i dont know.

Sorry dont mean to confuse people, I have ignored all the letters that have come threw. I have not so much as even opened them to be honest. I know I need to contact them and arrange a payment plan but I dont know how to go about it or if there is any loop holes. I have read some of the other posts on here and it seems all of the ppl who use this site know alot. The last payment i made to the account was late 2006, I moved before then tho and had a letter threw my new door late 2007, I have been ignoring them since they started sending letters. I hope this is enough info.

Its for a bank Is it safe for me to say that on here? I read on another post somewhere that they read these sites.

Hi All I dont know where to start with this i have a debt collection agency sending letters to my door. I have not said the debt is mine, although Im sure it is. I moved just little over a year ago but do no longer go by the name on the letters. I know I need to begin to address these people but have no idea how to. The last thing I want is for an agent to start knocking at the door I would not know what to say to them! The money is for a large amount and after comencing a payment plan for a while I am concidering bankrupcy to be rid of it. Please help me, I dont know anyone that has been in this situation, well if they have they kept it quite. Thanks

Thanks for that. I wish I had a dummies guid for everything lol.

Hi If any one can help me, i have debt that is for a large amount of money that has now been passed to a debt collector. I have no idea how to deal wit this as i have had no contact with the debt for over a year, i know i have to pay them back but dont know how to tackle these people. I have not acknowlaged this debt as of yet. Please help me with this. Many thanks oh im totaly knew to this and dont know if this will even end up in the right part of the site lol.