Oh jesus sorry. Ive just checked the details i can confirm the swift sterling account is 00647610 sort code 300009. This is correct from pay payment agreement and bank slips when i payed my monies

Hi thanks for replying . The advice is good and im very lucky that a kind soul on here typed and printed them at home and then posted them out to me. The people on here saved my sorry ass from dark times. I still have those letters and when i get paid next week im going to get post office vouchers, lol not sure what there called but to send out my £1 s for cca s. I hope as i get the replies that the knowledge on here will help me . Jellycubes

You can not pay what you have nt got ! They wont like it but i paid 50 per month as that was all i had spare. They can not refuse, they will huff and puff but stick to your guns. Make the call, your in control remember. Cancel that bank card if you havent already done so.

. Im ready to start challenging the debts I have as after years of mental health, still suffering and an abusive relationship behind me alot of the debts i have no recollection of applying for !!! !. MBNA credit card came through the door with 10k limit, they offered full and finale of 3300 just 2 weeks after entering dmp and now with credit expertio who again have sent me no statements. Im ready to find out who s who and whats real. Look forward to some advise x Jellycubes

Hi all not sure if i should start a new thread as all my dirty laundry and emotional breakdown is like a book ! I have reduced my pay plan payment down to £200 as £300 was killing me and leaving me and my boy without. Im ready to start challenging the debts I have as after years of mental health, still suffering and an abusive relationship behind me alot of the debts i have no recollection of applying for !!! All debts from around 2004/2005 and though creditors have stoped interest i get no statements from the DCA s or LLoyds TSB. Ive been paying payplan for 3 years now maybe more. Im not trying to get out of repaying as some debts I know i spent but one lloyds tsb overdraft was 10 thousand pounds, its with apex credit management and ive no idea how that came about or was spent !. MBNA credit card came through the door with 10k limit, they offered full and finale of 3300 just 2 weeks after entering dmp and now with credit expertio who again have sent me no statements. Im ready to find out who s who and whats real. Look forward to some advise x Jellycubes

Yes the details are correct. I think that a phone call is best but only when they agree to send you confirmation of repayment agreement before you part with any money. I called them, to be fair they were not that bad and they did email the repayemnt arrangement within 15 mins of that call. I repayed it as agreed and they stuck to there side of the bargain x

You can ask your employer to consider reasonable adjustments so that you can continue in your substansive post without the need to demote yourself.

Hi, i dont know if this helps but i too had a loan with swift finance and i had to call them as they did not reply to my emails. I explained the change of circumstances and how stressed I was feeling and asked about how to repay. They like it to be repaid within 12 weeks or they pass to DC. They then emailed me the outlines of the repayment plan and the bank details and i repaid over the 12 week period. They stopped all calls after id come to this arrangement. Sadly you must report your bank card as stolen as they will keep trying and when there is money it will be taken by them otherwise. As far as im aware unless you ve come to an arrangement, canceled your bank card they will use the continuing rights to retrieve the money owed. Hope this helps in some way x

:whoo:Resolved ! With an apology

I had a cap one payday loan in 2010, came to an agreement in 2010 paid it off last payment last year bringing balance to nil. They tried some months later to ask me for £50 but i sent them the payment arangement id kept on email and told them id paid the arangement in full and that was it heard nothing. Thank god i kept the emails. Today i got a letter from MT and spoke to some muppet to explain i owe nothing and he was rude and to be fair i put the phone down. They threaten bankruptcy, CCJ la la la but i owe them nothing. They state they are showing i owe a debt on my credit report ? how wrong is that ? How do i handle these cowboys ?

My fear of debt led me to a nervous breakdown and without the messages i recieved on CAG i seriously think my life could have ended at various points. I have managed to clear payday loans and stop the provi man and shopacrook from leading me to hide under my bed in my own home. I also had 36k of un secured debt with payplan most of which with a DCA but have not yet found the strength to see if they have any legal rights. My fear of losing my home was a key indicator in my breakdown as its has alot of equity but that is where fear of debts leads us. Out of control thoughts, paying creditors and starving myself didnt help my mental health either. I still live in darkness (blinds shut) and live a reclusive life aside from work. Fear creates untold stress and in turn severe mental health if you dont seek advice. Payplan deal with them but they couldnt keep me afloat emotionally like the people on this site did in the initial start of my darkness and a mental health therapist. I learned to face the doorstep crooks and they no longer frighten me. The DCA s and creditors with payplan are another time for when my mental health grows beyond a life of closed curtains and feeling rotten. Now my debt with payplan is down to 23K and a charging order of 4K, payplan told me not to bother turning upto court....how i wish i knew cag back then. Also no idea if any valid cca s. A member of cag typed and printed and sent them by post to me ! Where else would you find the people who care like that ? Admittedly ive never posted but i will, and though times are tough emotionally and fear remains, its growing away from valium for a debt breakdownn (my thread). I hope this frank post will encourage you to feel the fear and change it. Yes it takes time but your never alone here, that i can assure you. Jellycubes

Hi all, thank you for the replies. I ve spent some time thinking about that dmp payment and the suggestion of a reasonable xmas than the one my boys facing and ive decided a token payment for all this month. Ive paid every month for years and never have anything left to save. That 300 will sort much needed food shop some gifts and a turkey instead of a sparrow lol. Now my debts, i think i ll start one at a time, as i think its best for my mental health. MBNA credit card taken out in 2004 - dont remeber applying and think it just arrived through the letter box. £10,000 paid 3k back around 7k left. MBNA passed to credito expertio in 2010. When i first had repayment problems mbna sent me an offer to settle for 3600 but i didnt have thrupence to my name at the time. They get 98 pounds per month via dmp from my 300 dmp monthly payment. 7 years to go Any advice or tips would be very welcomed. Jellyhead x

Hi all, yes it was a long break. I reached rock bottom and after driving down the motorway on a complete loss and running out of petrol there was only way up from hell ! I put the doorstep crooks on the DMP. Never sent any letters, didnt have the energy or mind space. But Im back and though with some fragility im fighting on. I have a charging order on my home as noted in previous posts. I pay 25 per month interest free and its around 4k but theyd settle for 3k fat chance of having 3 quid nevermind 3k ! I pay payplan 300 per month on a dmp which has gone down from around 37k to 24k.. all creditors stopped interest except barclays. Most are with debt collection agencies. My question is am i doing the right thing paying 300 to payplan and 25 to my charging order. I work, god knows how ive kept my job but the company have supported me through my breakdown and im thankful for that. However job not looking secure next year and i have no savings, a car that resembles a tin can and 350 mortgage arrears which are in hand on a payment arrangement. I dont know if im making sense here, i guess its just time to get my head above water and take some advice from all who ve been there, done that and got the t shirt ! I thought about reducing dmp payment but as ive around 60k of equity im frightened they will make me bankrupt or start interest charges again. I dont know whats on my credit file and when i get £2 spare i know i should spend it doing that. Xmas is here nearly and ive not much for my boy but he s not demanding and knows im on breadline britton every month. Anyway if anyone reads, and i know my post is long winded but please reply. Jellycubes x

just to add wonga on the other hand were very understanding, froze interest and put me on a repayment plan. Swift sterling you should take note and deal with your customers without the cowboy tactics you use to communicate

thank you for replying. might have to see if i can manage to get to citizens advice on monday to see if they can help me. They are not easy to deal with at all and dont take into consideration dealing with people under the mental health act. Erica if you do reply please explain why your company will not email despite having a customer with not only mental health but disability issues.

Has no one ever had a payday loan with swift sterling ? Not really had many replies

I am working, albeit with support at work. Im registered under a mental health therapist. I went through, well with the help of MIND go through an i and e and all that left over is 50 per month for both swift and wonga I do email, waiting to hear from wonga but swift are the ones who refuse to deal with my emails and wont accept my repayment plan, asking for money i dont have and its causing me deep anxiety attacks. Has anyone else been in this position with swift I guess i could leave my mortgage payment next month but, oh heck not thinking straight here

What the hell have i done ! Cutting a long story short ive had a breakdown and not thinking straight and crumbling under my doings. My car broke down, i was broke i took a payday loan with swift finance last month for 200 plus 59 interest. I couldnt afford to repay, i emailed them but the refused to email. I advised them that im suffering severe mental health and at times felt suicidal, they were not inteterested in the payment plan i offered at 50 per month and they wanted 50 this week and the rest paying before 28th august total debt with 59 added on. Ive had help here before nad helped others but my god i cant help myself right now. They wont email me so ive spoken on the phone and agree to anything, well vallium kind of makes things laid back. Whats the worst this company can do to me ? my bank has withdrawn my debit card so no chance of them getting money from the account. Also wonga, i took a loan out a few months ago and repayed it in repayment plan, day it finished it said i could reloan, even knowing of my crisis and mental health and debt i got 400 !!!! thats unpayable now too. Dont chastise me, im a bit lost and i dont think im incontrol of much and im feeling destitute and in crisis mentally.

Hi, sorry im offline a little. this therapy is knocking me sideways. Im also feeling a little lost. Tingy thank you for the letters, it people like you that care and make the world go round....without id be lost.Will be back to update but for now taking a break. JC x

Hi, sorry all been off it but back on planet earth. Tingy thank you, sorry i didnt mention it in my last post, i was nt thinking straight. It seems that the counselling and therapy may not resolve all the madness of my history and i wonder if its worth going through all that hurt and raising of memories to be the same at the end of it and well lets face it what is it going to change. Hope you get the licence tingy, your support to others is amazing. Matt and Dial i hope your both well. Had a pm about my story..... only if theres a million dollars at the end and somehow that aint going to happen lol. I feel odd today, almost out of body and thinking pull yourself together and live on, can t explain it well x

Back and oh boy im having a clutcher, feels like i need to run off, hide, cry. Jesus christ opened a can of worms today and we discussed the area of the dirty dog that licked your bum, as kids we shared a room and sometimes a night it would come in, Let me leave that there. Also no hugs or cuddles as a kid except one when just before xmas it was my time to have the school hamster and when i went to get it it was dead. I threw up after this hug from my mum, i dont know why. The xmas days spent in bed with no dinner, various reasons, one i asked what santa had left. Bloody miserable is nt it, i could never ever do that to my son ever. The hearing my mum crying and going downstaires to see my father pouring hot tea out of a pot on mum. She suffered, and in turn we suffered, both were bad parents, both suffered abuse as children but so did we in turn. Have we turned into parents who abuse, no, no way they cycle is broken ! Am I ranting ? The day i was taken into care after being stabbed in the head with that meat knife.........I left that abusive home life to go to a childrens home, i should have been safe but looking back i was better off having the beatings at home than what was to follow in the childrens home which was much much worse. We ended before i started on this arena because i had a massive anxiety attack and besides im glad as it gives me respite before the next session. Now the psychotherapy on friday...jesus im off for a valium and a coffee, back later

Hi all, been very poorly with a sore throat. Not looking forward to visit to mental health therapist tom but got to be brave and face the music ! I think one of the medications im on is not suiting me but will discuss that with him tom. Shakes, no feeling in hands or arm at times and thats not right. Anyhow on a lighter note, son had a fab weekend and left for school bright and happy, thats what counts. Tingy, i know you are very busy but did you do the cca s ? If you are struggling for time i could ask around as i know your busy with the charity you ve set up. Not got that remedy yet matt but im on the case and will get some before i go in my appointment tom. Thanks dial for understanding the sick feeling in my stomach, i guess you ve been through the mill too to understand. Thoughts to you all as always x

Hi all, yes i get that Tingy its so bad at the minuet i even spill coffee and miss my mouth ( historical event ) ! Im going to check out these meds next week as they maybe effecting my disability, had no feeling in fingertips yesterday. Matt that offer is lovely, though it has inspired me to go to the chemist... on sat, building myself up for it. Your all so generous, really kind hearted x Woke up screaming again last night, i ll be glad when this journey is over but frightened about what im going to have to release from my memories. Stop i say to myself I promised i wont talk about that darkness till after my 2 meetings next week. Does it makes sense that i feel sick to the stomach with the thought. Anyhow lighter notes my boy is 12 and matt x box is the world, promised him a rental game this weekend and a sleepover. Got to keep the home fires burning. NEED TO SORT THIS BLOODY DEBT OUT, provi sent me a letter asking for full payment, erm like i have it to give, no thats for food and a treat if im careful with it. Im on a dmp what do they want ? my carcass....when im a gone theyre welcome lol, saves on costs. Tingy yes you told me about your charity work, your a star, you ve been to hell and back, you still touch it now and again yet you give give give to others. Love to you all as always in my thoughts x

Hi all, wow alot of messages and how lovely to come in and find them ! Gosh where do i start ! Ok, my boy is doing well. I recall at the start of my breakdown i lay on my bed and he came and lay on it too. I asked him if i was enough and quite choked up when doing so. He said mum, all my mates wish you were there mum, your funny, loving, we havent had many treats lately ( this was when i was paying the shopacrooks and provasteal ) but that doesnt matter as we can watch all the rocky movies as we know all the words and songs and the he gave me a massive hug... sorry i drifted, lol not like me hey ! He is fine, ive had to cover and hide things nearly all my life and the one silver lining i take from the trauma is that i can cover up when he s around. He s so lovely. Anyhow wow tingy come and service my car !!! i will bake a cake for that lol. tingy, matt, dial and all that read your so caring its bloody priceless. Ive noticed that im shaking physically alot, thats a worry. Still having terrible nightmares and last night i woke up screaming...poor neighbours must used to it. My mental health is on a yo yo but ive had to park past events and decided to face them and talk about them as and when i see mental health therapist again on the 28th and psycotherapy on the 30th... I found i was bursting into tears and almost back in those times again in my head hence my brain on fire. I remained in my dressing gown all day yesterday but i did put some music on, something ive been very frightened of, it was ok for a few songs then out came the plug. Thinking of you all as always and i hope you are enjoing the sunshine x

Hi all, lol matt thats life for you, i was starting to wonder if any had gone lol. Hope you and tingy are well. Thank you to the lovely lady who sends me a pm, much appreciated and valued. Well im in my dressing gown having drank around 12 coffees since 5am this morning, fire is on and i m not moving ! well ive been here since 5am. Im tired but my brain is on fire... I think i got an appointment quick for those reasons tingy, the nhs never normally rush anything do they. Anyhow i did some cleaning but not all, matt if only you lived nearby lol. Anyhow your all in my thoughts as always x