no unfortunately i dont

thank u all for ur responses.silverfox not sure on how to ''post up petition'' but if ya care to explain i will do it gladly. ty maz for ur welcome and concern it is much appreciated. am off to send CCA letter will let e1 know how i get on . thanks again especially 42man who has given me lighgt at the end of a very dark tunnel:D

hi. i want to start reclaim action on extortionate credit card charges. any advise wud be gratefully received. have read f+a but still abit stuk on how to start

thank u so much u are an angel an absolute godsend i feel much beta already

ok will do. so sorry to be a pain but how do i go about reclaiming charges etc

ok. i have written out the CCA letter will get that sent out this aft. i have a problem with the 18 day rule tho i received th SD in september and dealt with it straight away by ringing them . thats when they made the outrageuos repayment offer. i have so far paid 151 pound to them.as in my original post it has been fraught with probs and i am just so worried if the probs continue i willend up bankrupt and as i work for my local council i cud lose my job .as someone told me if u r bankrupt u cant work for the council.also worried re bailiffs coming and taking all my stuff.

shud i cancel the direct debit first or continue to pay 50 pound per month

ok ty i will thanks so much

i tried to make arangements with skycard but they wudnt listen n passed the debt to caoquest

the debt is about 3 yrs old

hi thank u all for ur advice . i am confused at the moment as u can imagine but am sure i wil get there with ur help. i have receiced a statutory demand under section268(1)(a) of the insovency act 1986 debt for liquidated sum payable immediatly.

hi please can someone help me i have been threatened with bankruptcy by a company called capquest , who have taken on my skycard credit card debt.the original debt was for 750.00 but now with interest and cahrges the debt is now 1201.69. after being hounded by phone messages at all times of the day and night they finally sent me this petition for bankruptcy. i called them and offered to pay 20 pound a month as a single mum of 4 on a part time salery it was more than o could really afford. the guy on the phone was extremely rude and demanded 100 pound up front and 50 per month thereafter. i felt i had no choice and agreed. i set up a direct debit account and the first payment did not leave my account then i had another nasty call demanding 50 pound . i explained that they had not taken the payment but the direct debit was set up. they said no direct debit had been set up. i authorised another 50 pound over the fone and they debited my account with 51 pound. i reset the direct debit which was due out on the 29th but they still havent taken it what should i do? should i cancel the direct debit and not pay? can they enforce the bankruptcy or what should i do . please help i am at my wits end and getting very depressed.