Hi Thank you, for your advice and support, i am amazed that they can do this. They seem rather rude via email and ignoring questions. I refuse to ring them as i feel they should put everything they have in writing and have asked them to do so. But again no response just the scrappy invoices they have. S.

Hi Had an email today from Premium Collections Ltd, has anyine heard of them? They claim i own money to a publisher, who claims i have put an advert in their magazine. I would like to point out that i do not advertise in magazines. They have failed to send any for of documentation only a scrappy invoice whice has several mistakes on and an address that i lived at two and half years ago! not even the registared business address! They have tried bully tatics, but i'm not playing ball, they seem to not mention any form of contract or signed agreement which i know must be done for any publication as it is then a legal binding agreement. All they provide is a copy of an email sent in my name from an email address i keep for just customers and no one else. Could someone give me any advice? I a liitle angry as i pay all my invoices on time and find that something like this most upsetting.s.

Hi I wonder if anyone can help. I've had a letter from Calders about a debt but I don't have any credit cards or any debts! They are threatening to make a home visit but all letters thats I have sent I have never had a reply. Can anyone help?

Hi, This is my first and last one! My other car i bought cash and infuture i will do that! Sounds awful doesn't it two cars. But i do exhibitions and bought the toyota so i can haul all the equipment about. I can imagine the cv for toyota employees, DO YOU HAVE ABILITY TO ACT AND PORTRAY YOURSELF AS AN IDIOT? I have never meet such rude people, they think they know everything! Do you know anyone who could help me get some of my monbey back as I only owed 1500 on it and they ahve had nearly £4000

Hi Surfer It was a baliff. I was out working at the time, (run own business and my dad was baby sitting doggies) I couldn't belive her did it. I know what you mean by the collections dept' one of them shouted at me down the phone, I got her name and reported her but you never get a straight answer! one department says one thing and another department says another, I'll never have another toyota. I've sent aletter via recorded today to the top person over the customer services etc..... I doubt i will recieve a reply. I even should my bank statement to prove that the money had gone out but they challenged it, saying they don't belive bank statments. Can you believe these people.

Hi this is interesting, i own a toyota and had a small amount of finance on it. Due to a banking error i had to re-instate all my direct debits but in the mean time Toyota desided to try and get the car back! they demanded i pay the full amount owing and even sent a baliff out! I had never had any letters and they claimed they ahd left a message on my answer machine. Problem there.....I don't have one! They then had the cheek to take the payment arrears out of my account! They have now had neearly four thousand pounds out of my dad as the baliff came when he was there and he paid it with out me knowing, I only owed 1500 on it! and ideas??????

Hi I'm new on here, and have a small problem. I took out a contract with orange some time ago, this was after they telesales me one evening and i was looking for anew provider. They supplied me with a new phone, but failed to set up the direct debit! the first i knew about it was when a bill arrived and it stated would it be easier to papy by DD. After many calls and not getting a straight answer they have stopped my service leaving me witha PAYG and what they are calling a debt! Can anyone help someone out there took my bank detials and did not set up the direct debit!