yes your standard big font you pay 70% we pay 30% only if you can pay the full amount . i think ill just leave it and see what happens the rest have been paid and i think this one is barclays the only company that wasnt intrested when i made an all i can afford offer years ago.maybe the self employed debt collector will dissapear back into his hole

Hi I have been a member of this forum for some time now and read a lot of good advice on here regarding debt collection monkeys. Now i know they are doing their job but i have a quick question. whilst getting divorced NEARLY 6 years ago i got into a bit of trouble usuall stuff she had house i had to find home and look after daughter and stuff, ran up a few debts i managed to pay lots of these debts off but the large one they would not accept my offers it then got passed on to monkeys direct... scotcall,ruthbridge,red,lowell,advantis,j2solutions...all saying the same rubbish pay now 75 percent off .. i couldnt afford to pay and was no way going to pay those two bit idiots. eventually the left me alone nothing for ages .. years infact well the occasional lowell and red letter. Now the other day i registered with checkmyfile.com and experian both brilliant agencies. listed a few of my old debts on call credit and says when these are going to drop off . i t say originall creditor and amount then says account closed . . 4 defaults that all come off august november time .one ccj that comes off in november this year so non of these are statuet barred.. also says that a debt colection agency has done an unrecorded search . Experian is brilliant has one deliquent file that says wiped off in aug. credit scores. ex 966 cc 670 eq 280 so guess what mr scothall doughnuts have decided to actually knock my door for the amount owed on experian. i know they called as i am away and a friend is looking after my house and says that a card was put through saying call this number now..0777 ~~~~~~~~~~. i said just stick it in the drawer then the other day my freind was leaving the house and the woman down the road said excuse me did you know a tall mam was looking through your windows and your letter box? She said she asked what he was doing and he said look for (.......) she said dont know who your on about but you shouldnt be looking through letter box/windows or ill call the police and took the reg number down. QUICK POST WHOOPS SORRY. So the not so quick question is the amount they are chasing is a few grand it comes off the file in august this is the debt that was passed around every collection company and i think its for barclays. as it is no longer with barclays and handed over to these people shall i just ignore it as it drops off my file in aug.. I am working away for 6 months so wont be back to the address till sept and by that time it will be off the file. Dont really want to phone them if its coming off in six months and until then i believe it is not statuet barred . .from reading here if i contact them in any way it re opens the 6 years as i have admitted the debt my mates getting worried that she maybe sat in one day and one of scotcalls cretins wiill peer through at her cheers in advance mr..o themnowt

woot.. its sorted i gave npower a ring again this morning after another demanding letter and asked to set up a payment plan. ok they said ,but before i go on can i just let you know i have contacted energy watch and the consumer forums .Hold on ill just pass you to our manager.explained the situation once again and the young lady explained i can see you have rang a number of times and complained and have not recieved any notification from us that the investigation into your final bill has been actioned so as a gesture of good will we are willing to deduct the difference leaving 62.80 to pay that if required you can pay in two installments of 31.40. amazing.This tells me they must of known how much i actually owed all along so paid half this morning and other half will be paid at the end of the month so happy now cheers for any advice i have found on here.It helps to remain calm and a resolution is always there if your patient

thank you scott

Hi Not sure if this is int eh right section but thought i would tell you about my N power woos. i used to have a pre payment meter with npower i my old flat, the flat had no central heating and only a gas fire so did not use the gas at all reall. when i did use it the gas meter would take a weekly charge of 4 pound. i would get charged even ont he months i did not use the gas for instance august september away on holidays come home and have a 32 pound debt on the meter for the pleasure of having a pre payment . Now on the 19th of march i moved but before i moved i rang npower and said i would like to pay what is iwed on the meter 62.80 owed with 1.50 for gas . this is exactly what the meter said. the man said you cant pay in full and we cant close your account till you have moved,when you move ring us witht hte meter reading we will do a final read and send you the bill ok but it should be what it says as its pre payment .so i moved and rang n power. gave them my meter readings and told them i have taken photos of the meter stating how much i owe .ok they said you wil here from us soon. the bil came and is was £89.91 p what where ddi the 27.00 pound come from . i rang them they said they would invstigate .in the meantime 2 weeks went passed i had a final reminder and then a week later another threating letter saying pay this imediatly .. rang them again they said we cant stop these letters using the old they are computer generated line but it is being investigated you will here form us . never heard from them never heard a responce from the outcome of the investigation until today when i got collections direct apart of N power legal action for 89.91.. rang them and they passed me to the pre payment department. where the told me the final bill when you closed your account has been worked out from the begining of the year till the date you moved and it is 89.91. how can this be i said as the meter said 62.80 when i left and you had allready taken that weeks charge off the money that was on there .. because as i said they have worked it out over the period and you where making irregular payments to the meter . i Explained why would i make regular payments to a meter when i am not useing it alot and never really there have no central heating and only a gas fire , becasue you have to make regualr payment .....but i might as well not use the gas and chuck 16 month out the window .. i still want to know how you came up with that 89.91. all i kept getting is you owe 89.91. no i f...... dont i owe 62.80 that is what the machine said and that is what i will pay. we wont accept 62.80 as you will then still owe the difference between 62.80 and 89.91. so where do we go from here . well as i have said it wont be investigated again and you owe 89.91 and need to pay that .. i was just going around in circles and it was making no sence ,, if i never topped up the meter the meter would add a charge so when i toped up a tenna for instance it would take 4 pound even if i had not used any gas that week . so i still cant seem to understand where they have come up with this random sum . i said i will send them the photos they said they cant view them. amazing really you offer to pay what it tells you on the meter onthe day they say no then when you get your bill 2 weeks later there is 27 pound added to it ... where do i go from here as customer services are making me really annoyed and 0845 is expensive to argue with them sorry its long winded but had to ask someone cheers mike

Hi I have just joined this forum after viewing and reading messages on here as a guest for months now sothought i would join brilliant forum. Right my question is th egood old mc kenzie hall merit force situation. Along time ago over 10 years i had a loan with barclays i was young and nieve and could not afford to pay back the loan,at the time i was iving with my parents i since then moved and lived in another adress with my girlfriend then moved with her after 4 years to another address for 2 years married divorced and now live on my own for the last 4 years. i had a bit of a messy divorce where money is involved.ended up contacting all clear finance before i moved to my current address and consolidating my debts paying them 400 pound a month i stupidly had to stop paying these becasue i could not afford to look after my daughter pay for a privatley rented place and pay them and live it was just impossible.after moving to the new address i started getting letters from all sorts of companies such a s RED CABOOT FINANCIAL MOORCROFT J2 SOLUTIONS APEX CREDIT MANAGMENT i ignored most of these as i thought i would just be going around in circles and never heard of any of these companies until i started reading on here, now i beleive a lot of the debt to be statute barred as i have never paid a penny to any of these companies since 2005 not through not wanting to just could not afford it. alot of the companies have stoped and i have never heard from thjem again but the one that has just recently come through my door has shocked me. yes mckenzie hall an dmerit force they are demanding 13000 pound for a ten grand loan i took when i was 26 i am 38 this year i have not and will not write back to them.as this loan was from years ago and since then i have had a credit card . at present i dont have any credit cards and have not had one or a loan for over 5 years. i really want to check my credit report so i can see if such sum shows up but i am worried that if i do they will see this? i have never in the 4 years of living here contacted them or answered a call from them i get left with a please call mckenzie hall on ~~~~~~~ this being a recorded computerised message .i dont know how they know i live here as the debt they are chasing was long before i married and have moved three times since. will applying for my credit report show up .should i do this as i can see who is listed and start to pay the listed ones. will mckenzie hall know i have checked my credit report i wont to eventually get a mortgage and i beleive these cowboys are chasing old debts and taking chances any advice would be very helpfull many thanks