Hello All, Can you help me please, I currently owe around £12-14K not sure of exact figure. I pay Wescott £40 a month for a Nationwide Overdraft of £2000 I also pay them £60 a month for a Sainsburys CC of £2900 Get phone calls of Wescott wanting me to increase my payments and trying to do settlement figures all time. I also owe Barclaycard £3300 which 1st credit have put am paying nothing to them at moment. I pay MBNA £40 a month where I owe £4000 (they cause me no problems I wondered if it would be worth me doing CCA's on them or just continue as I am paying them? Am thinking about doing it with 1st Credit as get about 3 calls a week of them I also have a loan with blackhorse which I pay £158 a month on but have not defaulted on at all. I am finding it a real struggle to pay this all out due to job change and wondered what peoples advice would be, best way to go about this want to be debt free as soon as possible (dont we all) Many thanks

Hello, I recently sent CCA letters to Wescott Credit Services and 1st Credit, but not received any CCA off either of them what is next step i need to take? I currently pay Wescott £60 a month back. Thanks Nat

Hello, I have recently sent off CCA agreement to 1st Credit and Wescott Credit services, I have had a reply from 1st Credit saying they have passed it to Barclaycard for them to send it to me but nothing yet time runs out Saturday/Monday. What is next step? I am paying Wescott £60 a month for my sainsburys credit card debt of £3k, but get calls every day which is annoying Have also got MBNA £4k CC debt which I pay £40 a month they dont bother me, so is it worth doing a CCA on them? If they are unforceable what is the next step many thanks for your help?

thanks will get on with those this week thanks for your help, nice to have people that have been or are in same boat to talk to

one is an overdraft for nationwide which has been passed to NDR thanks for your help where can I locate the CCA forms ? thanks lilmiss

i took the cards out around 2001 onwards does it make any difference to when i did have been reading about cca? is this worth pursuing ?

payment agreements where set up of £33 per month which was fine then they wanted more money which I could not afford to pay. Can manage to pay £180 between all my debts offering all same of £45 which is a fair sum i think?:-|.

Barclaycard have instructed 1st Credit to handle my debt bunch of idiots they are (best way of dealing with them?) Would letter be better? Thanks

Thanks for your quick replys, wish I had come on here sooner lol Barclaycard £3,100 MBNA £4k Nationwide £2,500 Sainsburys CC :£3,300 Have not received a CCJ off any of them Can manage £180 between the lot of them Agreements where set up up to about July last year There wanting about £100 each a month which I definately cannot afford to pay out Currently have no problems with MBNA Cheers xx

Hello, Am new to this site, can any one give me some help or advice Am currently in debt with Nationwide Bank, Barclaycard, Sainsburys and MBNA, have got an arrangement set up with MBNA £40 a month have no problems from them, had arrangements set up with Barclaycard and Sainsburys but i stopped because they wanted more and where using agressive tactics !!!! Also have a loan with black horsen finance which i have not defaulted on even though I pay £158 a month Shall i go along route of setting up plans again with a letter and budget sheet or go along IVA route not sure what would be best for me? Some help would be apprecaited, currently getting NDR calling Moorcroft and 1st Credit (what a bunch of idiots they are lol) Many thanks lilmiss