Thank you. Its something that occurred to me and I had not seen the question asked anywhere else on the forum (not that I have read it all yet). I have my letters all ready to send tomorrow by recorded delivery

Thank you cerberus, I think I will actually sleep properly tonight. Can I ask another question... What evidence do I have to provide to them as proof of my income and outgoings. I recently used the National Debt Helplines Budget planner a copy of which I printed out and filled in and sent to them. regards Starbucaneer

Thanks to, FlyboyAgain and patrickq1 for your replies. I have started my own thread as you advised Flyboy and its such a relief to be able to talk to you guys about this. I have felt so alone in this. patrickq1 I am paying what I can realistically afford. Rest assured I will not be paying any more than that. I don't care if it takes to 2061 to clear the debt. As for my credit rating I have to say if its now bad that's fine by me means i cannot get any more credit which has been the bane of my life. Oh and yes I have been keeping up to date on my payments for the last year, I make sure they are paid in time to reach them by the agreed date. Also what info do I have to give them regarding my income and outgoings, do they need to see payslips and bills?. best regards Starbucaneer

My Mate is pressuring me to ring them anyway but that did not work the last time

I may do that once this current problem is resolved;)

Okay I posted that last before I saw your second post. No I have not checked about the credit agreements enforceability. Until today and reading info on this forum, I hadn't any idea such things were possible. I have just written to all my debtors in turn and paid what they agreed to (within my ability to pay). Every time they demand more I either pay a bit more or say I cant afford it if I cant. Barclaycard are the only ones who have stuck to the agreed repayment plan and not chased me for more. (but have started charging interest again)

Thank you Cerebrus. That was my instinct to write and to ignore the phone calls as I find them so stressful. I am worried about the consequences of not phoning them. They never respond to my letters directly. I will write and send copies of agreements etcetera and send them recorded delivery. Shall I use the old ref: or the new ref: for my next payment?. I will put in the letter that to avoid further confusion I will use the old reference for ALL future payments unless I receive written instructions from them to the contrary. Does that sound reasonable?

I am completely new to this website and have taken great heart from reading the post's and realizing I am not alone. Well I would like to ask some advice regarding my dealings with WESCOT. The latest problem I have is they sent me a demand for full payment of My outstanding debt (they are acting on behalf of Barclays Direct Loan Services) dated 29/06/2010. I already have an agreement to pay through Wescot set up 08/01/2008 with an official agreement letter from them. I phoned them and was told I needed to submit my income and outgoings again!. I informed them I would still only be able to make my normal £30 payment and would do so by the agreed date as I was already doing. ( I make sure I send the payment ahead of the agreed date of the 20th of the month). I also requested additional giro payment slips. I did notice they had changed the reference number but everything else was the same. Payment slips arrived, all with the new reference number. I made the payment. My letter was not acknowledged. As of 26/07/2010 I am now receiving phone calls each day asking me to ring them!. I have not because usually I get some kind of letter or demand first. Lo and behold a letter arrives today 29/07/2010 informing me I am in breach of the agreement and in arrears by £30 quoting the original reference number not the new one. Threatening further action if I do not pay the alleged arrears!!. Now I am unsure how to proceed. phone call that normally never gets a straight answer or letter that is always ignored!. I would gladly receive any advice. This whole thing is making me ill once again. Sorry if this post is overly long regards to all Starbucaneer

I am completely new to this website and have taken great heart from reading the post's and realizing I am not alone. Well I would like to add WESCOT to this thread. The latest problem I have is they sent me a request for full payment of My outstanding debt (they are acting on behalf of Barclays Direct Loan Services). I already have an agreement to pay through Wescot. I phoned them and was told I needed to submit my income and outgoings again!. I informed them I would still only be able to make my normal £30 payment and would do so by the agreed date as I was already doing. I also requested additional giro payment slips. I did notice they had changed the reference number but everything else was the same. Payment slips arrived, all with the new reference number. I made the payment. My letter was not acknowledged. I am now receiving phone calls asking me to ring them!. I have not because usually I get some kind of letter or demand first. Lo and behold a letter arrives today informing me I am in breach of the agreement and in arrears by £30 quoting the original reference number not the new one. Threatening further action if I do not pay the alleged arrears!!. Now I am unsure how to proceed. Phone call that normally never gets a straight answer or letter that is always ignored!. Sorry if this post is overly long