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About jeffcoo

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  1. hi, i sent you a PM, hope you dont mind... thanks
  2. an update My Bank have been adding charged and deleting them , making a total mess of the account. then this morning i noticed they have cleared £1k in my main main bank account. I was under the impression they were turning my writing of cheques and subsequent overdrawn account into a loan / overdraft for 2 months, it seems by accident they have made 1k available. its just TOO bloody tempting to not touch it, or take it out.... any suggestions ? thanks guys
  3. my dear friends i can only say thanks from the bottom of my heart for your wisdom,support and non-judgemental way in dealing with me. I was so nervous and worried sick the other day. and you guys have literally been there for me, like a beacon of shinning light, when i saw darkness! ( im off the valium thanks!) it was only short term. i have opened another account like suggested and until i can pay the money back, will use that one.... i didnt just ask questions here, i have been reading up on the forum and learning,// i want to again, say a massive thanks...to those who so
  4. ps. im concerned that im writing too much, if anyone has any links to other posts please let me know i have been searching etc.... regards
  5. thanks all and you too 300, i cannot make out that a bank can let someone write a cheque for a few grand, to THEMSELVES , pay it in , they clear it and the skint customer can then have access to those funds... mad banking system.. silly question but its this normal practice? and how does tha t happen... thanks again,
  6. thanks but i thought i read somewhere that if i write myself a cheque its agaisnt the law and possabel fraud if i dont have the money there.. sorry this may sound silly, but ..well you know the nerves are doing me
  7. Hi sorry to sound like im pleading, however, i have a dilema and am so so worried, i havnt slept a good night in 2 days. ..... I have a bank account with a cheque book, and was waiting for some student money to be paid in, also some other money too. I ended up writing three cheques to myself, and cashing them in my other account, ( with the same bank ) the bank cleared the cheques and i have spent the money ( well of course not all of it ) and still waiting for my money to be paid in. basically im 3k overdrawn. i called there centre and the lady was hard and cold, but she has a
  8. thanks all, i will reply to them tonight and sort this out, many thanks !!
  9. I have a small loan with provident ( £600), i have recently lost my job, and simply and regrettably cannot keep up the payments..and not sure when i will get a new job , does anyone know what i can do to stop the woman literally harrasing me all the time? many thanks
  10. i have had various letters from Red Debt Collections - they are both annoying and constant. Im sure some of these letters are from over 6 years ago, i get the impression these guys have bought a debt. However, i want to take them seriously - they sent me a statutory demand for a debti think is 6 yrs old, i would like to know if anyone has experience in this area is the following = How do i go about asking Red Debt collections how old the debt is, and if the debt has already had a CCJ? also what steps do i need to take, or letter i need to send out? regards J
  11. hi hope you dont mind me asking what is a " deed of assignment".... ( i have and am getting so many letters from Red Debt Collection agency i need to know what and how to progress and if this deed of assignment is relevant to me ) warm regards
  12. hi all thanks for the posts,i get so much from here.. I have receved a Statutory Demand from Red Debt Collection this morning. just a question, how do i know this debt isnt one that i had had a ccj on already? and can i ask red debt collection to send me the original letters and credit agreement, as i cannot remember this debt...i also have 5 letters coming the door from red debt...i hope you dont mind, but what do i need to do in the first instance...as im rather nervous, scared, and bloody petrified if im honest...... rgds
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