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 have a DMP with them, but I'm not sure if they would be the best course to take? any advice please?? I also received a NOTICE OF SUMS IN ARREARS from MBNA today, I sent them a CCA request on the 23/2/2009 but havent had any reply? I am starting to feel a bit better as a person, trying not to bury my head in the sand, and blame myself as much as I have been! If anyone has advice with Payplan experiences, good and bad please! Also have been advised to open another bank account, advice on which one, Creditiors are: MBNA, Barclaycard, HSBC, Egg, Cooperative Bank.

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.

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!!

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!!

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!

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!

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"?

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!

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.

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 what I could afford £10. If I send a CCA request, what account number should I be looking for, I'm really in a muddle, and still feel so depressed about the situation, btw the original credit limit was £1500, my balance now is £4599, I have never asked for the credit limit to be increased!! Received a massive pack from Debtline which I am trying to get to grips with, just feel that I have left things too late, and cant get out of this mess, (original posting in effects on health).

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 dont want to phone them, am trying to get myself together, and think logically, this is the 1st missed payment. I would like to send them a letter, but havent sorted out my income and expenditure as it is so confusing and where I am in a severely depressed state just cant think properly. I dont have a cheque book, so how would I go about making them an offer, I am so confused now. was I stupid to cancel the direct debit? I just didn't want to have more bank charges, please help, it is really hard for me to understand credit now.

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.

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 nights, thinking back 20 odd years ago when I was a paperboy I was actually better off than I am now or will be for another 20 years! unless I finish it sooner. I cant believe the stress that credit cards and loans put on human beings, I used the cc to escape stupidly, but now they have wormed there way into every last penny. I walked over 3miles 2day 2 save money that I dont have to get a postal order of a £1, for a cca agreement,with MBNA only to be told that it would cost £1.50?!! am I just stupid, I dont even know who to make the P O payable to or where to send it to. went to church for the 1st time in a long time yesterday, dont know what to do. sorry ohoh4312 I dont know what you mean by threads hun, or how I get there, but thanks for your support. xx

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 work, as I thought I was better off with out the job. I then carried on on a "high", spending on credit cards, using them as a means to live on, not wise in hindsight, building up a debt that now has taken over my life. I also registered as self employed, thinking I could take on the world, but have had really no earnings from it, also setting up a business account, also with a credit card which again was stupid, living on a high! Also embarrassingly I built up a massive tab at a pub, and stupidly took on a job there to pay off my tab, which has meant I have had no income, other than the bare minimum. I have just about managed to survive, paying the minimum charges on my credit cards MBNA (4.5k) Barclaycard (1.9K) egg (£600), coop (£400) and also consolidated my cc, loan and overdraft with HSBC that now is (17K), have now just had 2 late payments on the loan, and a missed payment with MBNA this week. I have been trying to find work elsewhere, and after rejection letter after rejection letter I find it hard to get out of bed, as I am so depressed am so embarressed of what I have become. I have been to the CAB, and in touch with payplan, and cant even get to fill in and income and expenditure form to come to an arrangement, also where I registered as self employed, I dont even know if I am entitled to a payment plan. I feel so ashamed and stupid, it just seemed that the banks and credit cards wanted to be my friends at the time, now I just have a lot of enemys, the main one being me. confused, and stupid.