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About unlucky29

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  1. Hi Spam thank you. . Thank you Noomill, yes I will be sending them the Subject Access Request as well. The only concern I have is that I sent in May a letter to all of my Creditors with regards to a payment plan that also included my financial statement and I signed those letters. I wasn't aware at the time that I can do what I am doing now and I am wondering what the possibilities are of them using my Signature from those letters?
  2. I have sent the CCA request to Barclaycard yesterday. Now waiting the 12 + 2 Days and see what they come back with!
  3. Thank you all for your comments and advise. I will contact O2 and 3UK and see what happens from here. I will post an update once I have spoken to them.
  4. Yes there was a password on the account which my son knew so that he could access his payment details however O2 should not have allowed him to change tariff / pricing information as he is under age and not named on the account. A broker contacted him in April and signed him (me) in to the 3 contract with the promise that they would refund May to July line rental for O2. This hasn't happened and I never received any paperwork about this contract from either the broker or 3. Thanks for your interest, I know now that it was a mistake but at the time wasn't aware of the depth my son wou
  5. This is my second thread and am sure many more will follow now that I am aware of this site. I am very pleased to have found it as I don't feel that I am on my own anymore. Originally my son wanted a contract phone when he was 16 and as he was working I thought he might be responsible enough so I allowed him a contract phone in my name but the Direct Debit was set up with his Bank Account, with agreement from O2 that the contract changes into his name as soon as he turns 18 in July 2009. To cut a long story short he ended up running up a huge bill of Internet Download Charges (£500in two
  6. Thank you Noomill, I will prepare the letter and get it send out. Will post reply on here once I get it. Fingers crossed.
  7. Lol. Thank you Fox. I will be doing those letters as soon as possible. I am so glad that I found this site, I was starting to really loose my marbles with all the worrying. Even my little girl asked me why I always look so sad and don't smile anymore. But I am glad that I can share these things now and get help in dealing with this situation.
  8. Hi Fox, Thank you. It's a Creditcard Debt that I have with them. Yes I will use the letter and sent it to them as soon as possible. Thank you for the advise.
  9. Hi, I am new to this site and wonder if anyone can give me some advise please? I have an outstanding ballance with Barclaycard and up until the end of last year I was paying it through the CCCS while being on a Debt Management Plan with them. Unfortunately the agreement came to an end as I was made redundant and no further help was received by the CCCS. I have now decided to do the Debt Management by myself and so far all of my Creditors have accepted my proposal apart from Barclaycard. They told me that they can't accept the amount I have offered them and that the minimum I need to pa
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