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silly idiot boy

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About silly idiot boy

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  1. Hi, thanks for your message, I'm starting to feel more positive about things, the worry and depression is still there, but as advice is there and there are people much worse off than me I am feeling I can cope a bit better. I have been back to the doctors, and they have put me on sleeping tablets, which I guess is a start, she wasn't happy about putting me on anti-depressants after my outbursts last year, hind-site is a wonderful thing! Went to CAB who wernt overly helpful ,as they basically gave me the same info I already have. Payplan got back to me yesterday, and have said that I can ha
  2. No, there is not a company registration number on the letter, or any FSA number, just an AEGIS reference number, have sent a cca request, 23/2/2009, but still awaiting any reply.
  3. MBNA, who is Aegis? Hi, I have sent a CCA request to MBNA 23/2/09, still awaiting any response, but have had a letter from AEGIS ltd saying that they have been instructed by MBNA asking for the arrears on my account (address on envelope is same as MBNA), just wondered who they are, and should I be worried??? have made a payment of what I can afford, but need real assistance from CAB as budget sheet is so complicated in my situation, closed today!!
  4. Hi, I have sent a CCA request to MBNA 23/2/09, still awaiting any response, but have had a letter from AEGIS ltd asking for the arrears on my account (address on envelope is same as MBNA), just wondered who they are, and should I be worried??? have made a payment of what I can afford, but need real assistance from CAB as budget sheet is so complicated in my situation, closed today!!
  5. Any news on the CCA request? I have just sent one off to MBNA today, not sure if I should have!? and wondered how things were progressing, sorry, just surfing between MBNA threads, getting stressed and worried, and realised I'm not on my own!
  6. Thanks again, seems so draining, i'l post it in a mo, going to tackle my mess one step at a time, hope there will be some light at the end of the tunnel, after all, if banks can be billions in debt, the country in trillions, then maybe it is not all so bad!
  7. Seems very slowly slowly at times! maybe the monkey will be caught! should I put the original account number in brackets on the letter, or would that confuse them, or put it underneath stating "original account number"?
  8. Do credit card companies understand the term "ad-hoc" when used in employment then? as I'm struggling to complete my income and expenditure in my personal budget, as you could say I am employed in an "ad - hoc" basis!
  9. Thankyou, just really worried now, just sick, struggling to cope, especially when I sit down and actually read the letter, maybe I should have paid them more, but I could't just couldn't afford it, really wish I had some inner strength at the moment, so tired and down.
  10. Really confused, I am in the process of trying to sort my finances out, as well as my depressed head, and looking through my credit card statements in the loft I have found my MBNA statements. My original MBNA statements have a different account number to the one that is behind in payments now, I'm not sure whether I lost the card or whether MBNA changed it? this change of account number dates back to December 2005. I am in the process of trying to sort out the best course of action, as I have missed 1 payment, and the next will be missed tomorrow, I have cancelled the DD, and put in
  11. Hi, I am starting to feel concerned, I have had all sorts of problems, please see my other post, but I am trying to turn things around, It just seems difficult to concentrate on anything. MBNA I phoned to let them know that I could not make a payment last month because I had a cheque bounce in my account, I then cancelled the direct debit online, so that I would not go over my overdraft again and get charged by my bank. I have just received a letter asking for the arrears on my account, which I wont be able to make because of no money, they require £197, balance (£4599.29) I really
  12. Thanks guys for your support, I have a doctors appointment booked for tomorrow morning, hope there will be a way to sort my head out, as I cant seem to concentrate on anything at the moment, everything has just got into a muddle, and I have to blame myself for this, living everyday in a state of worry has really affected my health, I just hope I can pull through it, many thanks.
  13. Thankyou for your support, I just dont know where to begin tho, after reading about a cca agreement thing, I thought I would at least proactively do something start off with MBNA, who I phoned this week and was made to feel even more guilty and pathetic than I already feel, I didn't no that 0% was going to really mean 29% and that the fact that a cheque bounced was not their concern and the agreement blah blah blah MBNA dont do holiday periods the best we can do is waive a late payment charge.... Probably putting on a lot more interest, making this more of a headache and more sleepless nigh
  14. I'm in despair really, debt has taken over my life, and I am feeling sick, depressed, cant sleep, and tired all the time, I cant think logically or properly of how to start to get out of debt. Up untill just over a year ago I was fine, untill I took out a personal loan that I used for a deposit for a buy to let mortgage with my father and brother. (10k) All was well and good, until I had an accident at work, and was initially signed of for physical injuries, and then for reactive disorder, depression, and was put on anti-deppressants. A few weeks off work I handed in my notice at wor
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