Originally Posted by PriorityOne:

Well mine didn't.... maybe they just loved me more

Aww bless

Right i'm all set to do me homework for the night. Got me some postal orders and found the template for CCA request.

Quick couple of questions please

Not sure who to send the postal order to regarding CAP1 account. Do I send it to CAP1 or Debitas?

Do I leave the postal orders blank or make them payable to the relevent company?

Thanks everyone

I feel so much better tonight. I feel like i'm taking back control and its making me :grin:. I'm usually a strong person but this really has been getting me down. So glad I found you

Emma Royd

xx

by Priority one:

 

Out of interest, how much is owing on each of these cards and when were they taken out ?

This is whats showing on my Alliance and Leicester statement for this month:

Balance Previous £5,487.18

Late fee £ 12.00

Est interest nxt statement £ 142.02

New balance £5,636.06

Min payment £ 942.87 due date 09 Aug 2008

and underneath it says: Time is running out. We want to help you. To discuss your options call 0800 092 2966

DELINQUENT ACCOUNT PPC SUSPENDED

What does PPC stand for ?

I've had this credit card for around 10 yrs now. Not sure of the exact year without looking. Its also the card I owe the most on. Totals on the others (CAP1, Co-Op and Barclaycard) to follow.

thanks

Emma Royd

xx

Emma, Choose to Refuse is free for one calendar month. You can cancel anytime. Then £3.75 per month thereafter. Used to be free, but they cottoned onto that very quickly! It's not much, but it will take the pressure off you in that direction for one month. But worth taking advantage of just for the freebie. If only for 1 month. Had to do the same through Capital One. I am now in the hands of the lovely Debitas ... erm, sorry, Capone ... Yes, you are correct ... Mercers in house, just as bad as Capital One.

Thanks will give BT a ring tomorrow and give it a go

Emma Royd

xx

Thanks guys I really appreciate your help.

Have sent off 2 letters this morning to Debitas by recorded delivery. Only had 2 phone calls so far today. One from Debitas and one which I now know to be Mercers. Looked up the 0151 number on Whocallsme.com. From reading on here I gather Mercers are part of Barclays. Now I find this strange as i've no letters from Barclays regarding my account.

Time to send a CCA request in that case... enclose a £1 postal order for each account

Out of interest, how much is owing on each of these cards and when were they taken out ?

If you owe more in charges than the figure on the outstanding balance, please let us know

thanks again

Emma Royd

xx

Thanks Palomino

only have one DCA after me at the moment but i'm being Harrassed by my other creditors too.

I'm trying my best to stay calm but they are all wearing me down. It's bad enough that the insurance form went astray in the first place but I cant believe its happened again. I swear it could only happen to me

I've been reading about claiming charges back on my credit cards. Can anyone tell me if I should start this now or wait to see if my insurance claims will go through?

Also,(sorry to be a nuiscance) would it be advisable to start a post in each of the appropriate credit card forums?

thanks for everyones advice so far

Emma Royd

xx

Thanks Pinky

I've just typed another reply to Debitas and am enclosing a telephone harrassment letter which I shall send by recorded delivery.

I cant really afford to pay BT for the choose to refuse at the minute. I have caller display though and i've turned off my ringer. I am now logging all calls made to my phone.

I managed to get a little sleep last night after posting on here. I drifted off thinking about the big bad wolves huffing and puffing

Regards

Emma Royd

xx

* waves *

thanks everyone, feel safe now

Emma Royd

xx

Thanks Saintly 1 done all that. Just wondering now which is the best place to post in with having so many creditors

Emma Royd

xx

Thanks Josh i'll pop across and post there too

Emma Royd

xx

Hi everyone,

I'm so glad I found this site. I've been reading the forums for a few weeks now and this is my first post (Hope i'm posting in the right place). I'm hoping that some of you lovely people can help me too.

Where do I start? I started struggling to pay my monthly payments on my credit cards in January when my hours were cut at work. I have four cards and was juggling payments around to keep them off my back.

I then got made redundant in mid may and notified my 4 credit card companies and asked for insurance claim forms because I had been paying PPI on all the accounts. Went to the Job centre for my interview and asked them to fill in the form for me. The lady said they couldnt do it at my local office and gave me an envelope to send them off in.

It took me over four weeks to get my income support sorted out and had problems with working tax credits paying the four week run over so there was no way that I could make any payments to the credit cards.

Two weeks ago I was worrying because I had not yet received the form back from the job centre. I rang them up and they said they had no record of it. They told me to send in a new one and mark the envelope urgent and post it recorded delivery which I did last Tuesday. I have been trying all week to track and trace and ended up ringing the post office today. They have told me that the letter hasn't been delivered and to give it until the 2nd of August.

Now in the meantime I am being harrassed constantly by Alliance & Leicester, Capital 1, Co-Op and Barclaycard. All have been informed of my situation and I have kept them updated about the pending insurance claims.

I've since had 2 letters from Debitas, who. after reading on here, realise they are Cap 1's in house debt collector. The first one last week was notifying me that my account is now in default. I wrote back to them asking them to pass the account back to cap 1 because I have an insurance claim pending. I also told them not to contact me by phone and all correspondence must be kept in writing and I sent this by recorded delivery which they have received. I got another letter from them today saying that I have ignored their previous letter (NOT TRUE) and to ring them immediately to discuss my debts or an agent will be calling.

I have had to turn the ringer off on my phone because it never stops. It starts at 8.30am and goes on all day till 9pm everynight. The last one tonight was from Debitas at 3 mins to 9 mins to nine. This is happening 7 days a week and I am getting up to 12 calls a day from one or another of them.

I really at my wits end and don't know which way to turn. I cant do anymore than i've done already. I'm just waiting on the form being filled in by the job centre and I cannot afford to make any payments on the accounts.

Alliance and Leicester are demanding nearly £1000 payment this month. Thats how much the interest as accrued since this all started. I wrote to them in March asking for help and asked if they would freeze the interest on my account but I never got any reply.

Hope this all makes sense. There's so much going on at the moment I dont know which to tackle first.

Could someone please advise me what to do now? Can I put in for unlawful charges even thought I have insurance claims pending?

Thank you in advance

Emma Royd

xx