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About judi5060

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  1. Thank you for your reply - I thought that was the case. Judi
  2. Good Afternoon All. I have a Bank Account that only my wages are paid into - no debit card comes with this account which I have no problem with as this means I have total control of this account. I owe £250.00 to a Debt Collecting Agency - I have informed them that I have no Debit Card with this account. They have just asked me by E-Mail if I could use somebody else's card which has really annoyed me. Are they allowed to ask this - sorry for my ignorance but could do with some advise. Judi5060
  3. I wonder if I could pick anyones brains with this one. I have had a letter delivered to me at work from Mackenzie Hall. It is on a plain piece of paper, no address of theirs, just a typed letter. It says we are attempting to contact the above named person regarding a personal matter. We have been provided your address as being the possible business details for our subject. Therefore if you are the person named above then please contact our office immediately. Are they allowed to do this. The last person I dealt with at Mackenzie Hall a Marianne Watson has my Work E
  4. Thanks very much for your advice - I will try and relax and see what kind of correspondence I get. I have already printed out the letter for Door Step Collector which I will keep on me at all times. Judi5060
  5. they have already told me that it would probably be one local to me - that was the only piece of information I was given. That's what made me think they will just turn up being a local one. judi5060
  6. No - they have no access to my Bank Account - I have changed recently. Thanks for the above advice I feel a bit better now. When Swift Sterling sent me the E-Mail today they could not even tell me whether the Thirs Party would contact me first - which I find hard to believe. Judi5060
  7. I have sent numerous e-mails to swift sterling but they are not interested in me making repayments they just want the full amount. I suppose I will just have to wait until I get some correspondence from the debt collecting agency. I will dread every knock at the door. judi5060
  8. it is a payday loan from a company called swift sterling. It was only for 200.00 originally but now 318.00 - Have offered to pay in installments but they are not interested. Now it is being passed onto a third party who are debt collectors but also operate door step recovery. He would not tell me anything else. Judi
  9. Hi its a small loan - approx 300.00 which I took out over the internet Judi5060
  10. Thanks for your reply. The Finance company who have passed this on will not tell me anything - give me a name of the company etc., Does it usually take long for these people to contact you. Thanks
  11. I need some urgent advice on the above please. I have been advised by a company which I owe money to that the matter is now being passed to a Third Party Debt Collector who also operate Door Step Agents. Do these people just turn up - I am terrified that they will as I live with my elderly Mother and the embarrasement this would cause will give me sleepless nights. Do they have to contact you by letter or phone first to advise you when they are calling. Thanks any help appreciated
  12. Hi - I hope somebody can help me. I have a small debt with Wonga of £160.00 who have passed to Roxborough debt collection. I have offered to pay this amount back in 2 payments of £50.00 and one of £60.00 (I get paid Weekly). This has been refused by Roxborough. They are now threatening Wages Arrestment. Am I correct in saying that they would have to apply to the courts to do this and could they only be allowed to take a certain amount from my wages each week. Is this just a normal tactic to scare mje and make me pay all this money in one go which I cannot afford.
  13. The problem is with my credit history I was just wondering how easy it it to open a basic bank account - ie where wages are just paid in and I can withdraw. Any suggestions. Judi
  14. I am not in Scotland unfortunately and I know it is not Statue Barred as I think that is 6 years. I think I will just need to open a new bank account. Judi
  15. debt is at least 5 years old - just annoys me that I have no idea when they are going to take this again. Also they never did send me a valid CCA.
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