Many thanks for your reply vselym, and the links

This is only my second post, but have been avidly reading through the website for weeks now. So much great advice and many thanks for all the hints I have picked up. So, further to my initial finding of this site, I have entered into a DMP and sent CCA request to all 8 of my creditors. There are still a couple of days to go before the 14 days is up, but I am still receiving phone calls from Mercers and court threatening letters from Solicitors on behalf of Capquest/Vodafone. From what I can gather the accounts should be on hold following my request? Are they allowed to contact me (hound m

I have read several other posts advising to keep everything to written correspondence and do not speak to them on the phone, I know it is easier said than done! I received a similar letter from Capital One, probably in response to contact from Payplan (whom I entered into a DMP with recently) and/or CCA request. I have also had contact from a few other creditors and DCAs but shall direct them to Payplan in writing if they persist and log a complaint. That is a plus side of authorising a company/charity to act on your behalf, I shall keep close tabs on what is happening and am ready to per

Have read your thread with great interest, just wanted to say I was in a very similar situation. My debt and lack of disposable income was affecting every aspect of my life, my relationship was crumbling (it still not great, but at least it's not about money so much now!). I stumbled upon this website whilst looking into some kind of financial solution, and have read avidly every day since. I have entered into a DMP, sent CCA requests and am far more clued up than I have ever been. Life is slowly, but steadily getting better. So, I just wanted to say, keep your chin up and the ve

This is only my second post, but have been avidly reading through the website for weeks now. So much great advice and many thanks for all the hints I have picked up. So, further to my initial finding of this site, I have entered into a DMP and sent CCA request to all 8 of my creditors. There are still a couple of days to go before the 14 days is up, but I am still receiving phone calls from Mercers and court threatening letters from Solicitors on behalf of Capquest/Vodafone. From what I can gather the accounts should be on hold following my request? Are they allowed to contact me (hou

Many thanks for your reply Slick

Hello, I have recently found this website and have not stopped reading! Have been happily going along the last two weeks, following advice from here have just sent off my CCA's and entered into a DMP with Payplan. Having cancelled all payments in the interim, I have just discovered that I neglected to cancel one to Mercers (Barclaycard collections). It left my account this morning and have been on the phone to them and Barclays to have this payment recalled/cancelled/refunded. It was on an agreed arrangement to debit my card each month, so am being told that neither companies can do