I am very confused. I was always under the impression that a CCA request had to be complied with within twelve working days and if it was not signed by the debtor then it was unenforceable? According to the Credit Services Association Consumer Website, and one of my creditors, it is no longer an offence not to comply, and the agreement does not have to have a debtors signature on, but must simply be a copy of the terms from when the agreement was taken out? If this is the case then what is the point in making a CCA request. Further, with regards to SAR requests, what is the exact legal position on this because with me having like forty odd creditors, is there really any point in making either request? Can someone clarify the exact legal position of both please>?

I have two CCJS and about forty creditors so you can imagine my credit file is shot to hell! I rang up the Co-Operative Bank last week because it is the only bank to whom I do not owe any money and I wanted to ringfence my income. I asked the guy on the phone for a Cashminder Accound, comes with a Visa debit card and you can withdraw up to £250 a day from any machine, as well as internet banking. They gave me a reference number and I went with it into a branch, handed them my passport and the account was open within a week. So I thoroughly recommend them.

thank you so much for that. Is there anything I can add with regards to the home visit. This was tremendously embarrasing and to be honest the wierdest method of getting someone to phone a creditor i have ever seen!

I sent and accepted an offer of a charges refund. My issue with them in the immediate term is the harassment. I have in all of my years dealing with debt collectors, never known anything like it.

Yes there are charges, but, you see this is one of my disputes with them. I got a letter from them with an offer to refund £160 odd of charges. I signed and sent back the acceptance slip but it never got refunded. I am preparing some kind of letter tonight to go over the whole issue i am having with them, so any thoughts...

Hi Guys. I haven't been on here for ages. In general have been making a real effort to reduce my debts for the past year or so and I am doing quite well.... ...however... ...I have defaulted on my Capital One Credit Card. The balance is only £260 and I have written to them on numerous occasions to offer a reduced payment. They have refused every single letter for any one of the following reasons each time: First time: I apparently never specified if I wanted a long or short term payment plan Then the payment offer was too low Then the payment offer they believed I could not afford and they were seeking court action Then finally they just never replied. They ring my home at least five times every single day, and if I am unavailable they are speaking to my mother like utter crap, and when they do happen to get me if I am in they go over the same old story every time. I have to date received six default notices from capital one for the same account? As it stands I am getting one with every statement. Anyways, today a man turned up at my front door without any prior warning and handed me a mobile telephone. He advised me he was from Capital One and asked me to speak to them on the phone. After about ten minutes he eventually got through to them and as this agent obviously wasnt me, they disconnected, so I ended up having to call them back anyway. What the hell is all this about? Can someone please assist me. I have debts in the thousands and over 35 creditors, but these are the worst out the lot! Please advise.

Guys, I have an account which was with Fredrickson but is now managed by Bryan Carter. Has anyone got the bank details I need to make a standing order to them??? Thanks

OK, no mean to be rude, but could you not tell by looking at the home page that it looks dodgy, not to mention it is based in Lebanon.

Baldwin

I havent got the type of money to buy a trucall, I know what you mean though. Furthermore, I cannot change the number because the phone does not belong to me.

Except the company is called IN TIME Finance Limited, not TIME Finance Limited. Just make sure you write that on the cheque.

Yeah I know. But I have over 30 creditors so it has got to make some sort of impact.

Hey guys. I posted on here the other day in one hell of a state but I am pleased to tell you all I have got a grip and taking action against my creditors. Anyway, I have come accross BT 14258, which is a service where you dial 14258 after a call and it blocks the number! Has anyone used this to block calls from creditors?

I have already CCA'd them last year as with all my debts. They said no so an arrangement was made with them, which i have had to alter because my circumstances have changed. This is what all the trouble is over now.

oh, and recently asked them all to write the debt off, still awaiting replies and confirmation from some...

Hello havinastella, and thanks for yours, and everyones replies. Went to sleep yesterday all down in the dumps and woke up this morning feeling better, until I realised Michael Jackson had kicked it. Could life get any worse? Seriously though, I am a bit more focused today on things. Here is a list of my Creditors that are currently on my Income/Expenditure Sheet. IE those I have defaulted on. Some of these debts are so old I have only put down the information I can remember to hand…. Business (Self Employed Debts)… · Caveat Emptor DCA (Viking Direct Business Supplies) - £47.64 · Credit Security Ltd (Euroffice Business Supplies) - £122.43 · The Fuelcard Co Ltd - £219.08 · Atos Origin IT Services - £492.00 · Simon Jersey Uniforms - £84.55 · Regal Credit Consultants (Blackwell Corporate Account) - £408.76 Personal… · Booksdirect - £136.00 (not heard from since early 2008) · Studio Catalogue - £130.00 · Yves Rocher UK Catalogue - £157.00 (not heard from since early 2008) · NDR Ltd (Great Universal) - £214.04 · La Redoute – Apparently written off. · Virgin Mobile – Apparently written off. · Iqor Debt Recovery - £247.14 · Icon Collections (Payday Express) - £337.71 · Roxburghe (Next) - £347.08 · EOS Solutions (Style Card) - £334.87 · Aqua Card - £267.33 · Ultimate Credit Services (Payday UK) – Unavailable Balance, currently in process of writing off debt. · EOS Solutions (Avon) - £416.33 · Reliable Collections (Premier Man) - £171.59 · FC Consumer Finance (Quickdosh) – Disappeared off the face of the earth £520.00 · Cabot Financial (Vanquis Card) - £540.27 · Debt Managers Ltd (Barclays Overdraft) - £597.68 – suspended for three months until my situation improves. · Credit Resource Solutions (Samedaycash) £414.42 · Welcome Finance - £3519.16 · Capquest (T Mobile) - £147.62 · Lewis Group (Oriflame Cosmetics) - £45.00 · Abbey Bank Overdraft - £85.62 And there are also some bills, which I try my best to keep on top of because they are absolutely essential for the running of my self-employed business, when I am NOT claiming benefit I might add. The majority of any money I do earn from Self-Employed goes to pay these. · £75.00 due to National Rail Business Travel Service at end of July. · £35.00 due to Travelodge Business Account Card at end of June with another £70.00 due at end of July. · £145.00 due to Premier Inn Business Account due in the middle of July. I also have one CCJ, set at £10.00 per month for a Citibank Overdraft and this is paid via Bryan Carter and Co. Now the debts in BOLD have been really accommodating of my circumstances. The companies in red have been the worst to deal with. So far, I have CCA'd them already, and had a debt from Freemans written off as well as nearly £400 in charges refunded to my Premier Man Account, then I made pro rata payment arrangements with them all. Stupid me though, as I was telling you I was so desperate I kept looking for credit and adding to the debt. I cannot provide any more information then I already have given you. I am on here all day now, so feel free to ask as many questions as you wish.

OK where do I start. I have got to find money to make repayments on some accounts, but realise they are not priority. I live at home at the moment, but I have to contribute to the costs of running the house. My mum has some sort of depression and "as long as she is OK" then to hell with my despair. I have no support from nobody - absolutely nobody. I have got accounts from railway companies and hotels from being self employed who are due for payment and if they default, i would never be able to go back into self employment in the future.

Its almost automatic at times. I am so desperate I go into some sort of mode and just go crazy.

I am 23, and have about £15000 of debt which is a mix of personal and self-employed debt. I have now, for year either tried to make ends meet by aranging payment plans or by borrowing more and more. I have now come to the end of my tether. I have just had a moment of realisation. I am now unemployed, and claiming JSA, which is only about £200 per month. I have over 30 creditors and just cant cope with all the stress any more. I am, as we speak having to apply for payday loans with fake details just to find money to survive on. My parents cannot lend me anything and I have no other family. I have tried to find work as self-employed but cant take it on because I can't afford the costs I would incur. I am applying for loans and credit with my details and fake details at a rate of probably ten a day I just cannot cope any more. Someone please advise me from "outside the box" because I am going to bed in the minute and hope to god I don't wake up.

does anyone actually reply on here?

A Debt Collector called Credit Resource Solutions got in touch with me last year about a debt owed to a Payday Loan Company. For the first couple of months I tried to avoid them, but eventually got a payment plan in place. That payment plan was kept in place for about 8 months until recently I lost my job. I have been in touch with them by letter to explain the situation and was told to send in the usual Income and Expenditure forms etc, which I did only to be told there was no chance they would accept the offer. I explained to the person at the end of the phone that it was a pro-rata offer, which would be exactly the same if it either went through a CCJ, CCCS, Payplan or Citizens Advice and to that they said just because I offer it doesnt mean it has to be accepted by them and they cut me off. I have since been in touch again with them and now I have had to send off a full letter explaining the precise reasons why I have been made unemployed, a full income sheet and a copy of my benefits letter. I have a nasty feeling they are not going to budge and as I was writing this a text voice thing came through on my home phone explaining that CRS are going to visit my house in the next 48 hours. Can anyone advise how to deal with these people, surely to god they cannot be as bad as I am making out?