Thanks for advice debs will i have to ring origonal companies or the new ones

Hi can anyone help me I think I have been silly over the past couple of years since I was made unemployed, I have agreed to pay Apex & other loan companies £1.00 a month but now I am getting threats from them asking me for more money and also threatening bailifs etc. Is there a way I can stop paying this money as the origonal loans / cards were over six plus years old. Any help would be apreciated:-( I

Can anyone help me find letter for harrasment & also letter for not sending cca

update.......no reply yet from cca request. so does this mean 12 days have already started. any help

Thanks for info Rory. Let's wait and see what hapens if EOS reply 12+2 days and counting from tomorrow...

Forgot to mention they also said that if debt is less than six years ..... more likely to have cca. Isthis so?

Thanks rory.. When i told dmc that i was going to send cca they said tell them outcome and they will stop paying as it is their own silly fault if not goy correct paperwork..... and if they want to loose uot it's their own fault.

Hi scottygal. Have sent one already to eos this morning waiting for reply ..... dependunt on reply wether or not any good sending to all others.

Thanks for that rory.. would you say it's best for me to stop using a dmc altogether and try & sort out myself with help from all on this site...or would this look bad on me. Or change to a charity dmc.

We got told by them that first month payment they keep....they also supposed to send monthly statements none as yet.... have been on plan now for about 4 months. Any advice..... realy desperate need help

Yes we do Halifax cc x 3 mbna cc x 2 capitol one cc x 1 halifax loan x 1

Rory if you are looking for info on them web is Debt Management & Consolidation: FAST IVA, Debt Management Plans & Debt Solutions from Abacus and we set up a debt management plan.

hi rory the dmc is a company called abacus in manchester.

Thanks rory What do I do if that happens..

Just an update sent cca leter today with £1.00 postal order sent recorded as told to. Now presume wait & see what next.. thanks for all advice so far everyone. :-|