btw im in the 21 days to comply period, before the bancruptcy proceedings start. in a way im looking forward to it as it will wipe out the rest of my debts, although the creditors are happy to receive ANY payments. ive taken legala dvice now and the situation is looking ok so either way its a win win situation

oft involved now, and say that they have received numerous similar complaints concerning godebt and their ways.... looks as though theyve broken another rule, by sending a 'collections agent' whilst the debt is in dispute, telling my neighbours that i am in debt and 'is that his van'! cheeky fecks! luckily all my neighbours are the kind of folks that will say they dont know who lives at my house! interestingly its the same collector they sent for my neighbour whilst chasing his debt. ive bought a little video camera to tape him when he calls again. gotcha.

sending the sar today, theyve -godebt-received my cca and contact by writing only letters according to the royal mail, and i have a print out from their website for proof. it feels like the net is closing on them! should i wait for them to make some more basic error before reporting them to oft?

ok, according to my credit file, this debt was subject to a ccj on 19th july 2007. ive received no paperwork for this. the amount is 3822. apart from that it doesnt appear on the 'account info' section of the report. godebt have done a search on 5th jan 2010 as an 'unrecorded enquiry'

i will look into my credit file today, i received no assignment letter that i am aware of, the debt stands at 3800 from an original 3100. as my income was low i offered £1 payments which were accepted. Payments have been made through various methods, dependant on what money i had left in a certain month, sometimes bank credit, other times cheques and sometimes postal orders. last payment was last month.

im unsure if the debt has been sold to them, the original creditor was tradepro. no surprise if theyve broken oft guidelines as they seem to use the bullying tactics and no others! btw, i have other debts that have alll agreed to my repayment proposals, what happens to them if godebt bankcrupt me? thanks in advance

i recieved a letter today, giving me until today(!) to pay a debt that i dont think godebt own. ive sent off a cca last year- no reply, asked them not to phone me, but to write only- ignored. so ive sent them again, signed for delivery. basically, todays letter threatens a stat demand under sec 268 1 a of the insolvency act 1986, it says it includes a judgement with the letter - it doesnt. it also says in the letter that they will issue a 6.2 post judgement stat demand. do they have to hand this over to me personally, or can they put it through the door or hand it over to anybody in my house? i originally made an agreement with the original creditors to pay a set amount each month, which ive stuck to, but they have passed the debt, it seems, to godebt anyway. many thanks for all the letter templates and the explanations of the so called threats, it puts my mind at ease to see how incompetant they (dca's) are. just realised this is in the wrong section i recieved a letter today, giving me until today(!) to pay a debt that i dont think godebt own. ive sent off a cca last year- no reply, asked them not to phone me, but to write only- ignored. so ive sent them again, signed for delivery. basically, todays letter threatens a stat demand under sec 268 1 a of the insolvency act 1986, it says it includes a judgement with the letter - it doesnt. it also says in the letter that they will issue a 6.2 post judgement stat demand. do they have to hand this over to me personally, or can they put it through the door or hand it over to anybody in my house? i originally made an agreement with the original creditors to pay a set amount each month, which ive stuck to, but they have passed the debt, it seems, to godebt anyway. many thanks for all the letter templates and the explanations of the so called threats, it puts my mind at ease to see how incompetant they (dca's) are.

theyve stopped using the word 'go' in their calls now. they are 'just a company from wales'. great advice about winding simon jones up, that guy is on a knife edge, and he REALLY hates being called a secretary