Thanks for the advice

Hiya Sorry it has taken so long to reply you know I am not sure about the PPI, but it was an hard slog and I had many sleepless nights. I offered what I could afford each month and then I put my mortgage on an interest only for a short period, I put all the money I could into paying them off. I am not there yet but the day I pay that final payment I will celebrate. I had lots of problems with the debt collectors messing up my credit report but I fought against them and I got it cleared off. I think the thing is you feel that it is never going to get better but it does.... I will send the letter and tell em to get lost..

Thanks I will do that.. Fingers crossed :o)

Hello Thanks for the reply, I have been having a look around the CAG and I have come across the Statute Barred letter I wonder if it is worth sending them it anyway to say get lost. I wouldnt mind if I thought I owed anything but I dont have a clue who either company is or what I could owe? I have worked my backside off to try and get out of debt. I have had enough of collection agencies to last me a lifetime :o/ I want to say at this point that four years ago I owed in excess of 25k of debt and I got advice off the CAB offered reduced payments and kept going. I now owe 1.1K so there is light at the end of the tunnel.

Hiya I hope you can help me I would really appreciate some advice. I received a letter from a company called CCS Collect on behalf of a company called AKTIV Kapital First Investment. I have never heard of either company, I have checked my credit report and neither are on there and the name on the letter is my maiden name, I was married for 8 years and we have split up this year. What can I do here? I know I am not going to sleep worrying about this, can they ask for money from this long ago? How can I prove I owe the money after this long? From what I can gather from past posters on your site these people are aggressive and rude and after the year I have had I can do without talking to someone like this I am falling apart already. Thanks very much and I apologise if this is in the wrong place x

Thanks very much for the info, I wasnt aware of all of that, this site has given me so much information.. You know all I want to do is get myself out of debt and start living my life again, these people treat you like you are low life. Makes you wonder how perfect they are... Firm believer in what goes around comes around..

Cattles have been saved? sorry I am new and trying to get my head around the jargon :o) - Ignore just found out who it is..... Thanks

Thanks for all the replies, it is good to know that people are on my side. I have had sleepless nights about all of this and recently I decided to put myself back in control. I am going to do anything it takes to stop these people. what surprises me is that the larger companies have treated me well, as long as I paid the agreed amount they put my credit file as satisfactory. I show that I am trying my best to get out of debt by paying aittle extra every month. I only recently realised that if a complain goes to the FOS and gets to second stage then the debt company have to pay out nearly £500 win or lose. CL have sent me a letter expected me to back down but they will have a fight on their hands because I wont rest. Hopefully then I can come on here and let people know either way. If they genuinely wanted to help people like us they would accept the higher payments to reduce the montly arrears on the report but they wont, all I got was if you dont pay the full amount we are not doing anything.

I will give it a go, these people are not the most helpful in the world though! Thank you very much

Thanks Tingy ..What is an F&F ? Sorry to sound dumb

Hi Everyone I am new to the board and I have already learned a lot so thank you very much GE Capital sold my debt to CL Finance in 2008 and I entered an agreement with them to pay £ 33 per month, I increased the payment last year when I could afford to and recently paid an extra £ 350 to pay the money off. Anyway they have totally messed up my credit report by showing me as 6 months in arrears. They told me the payment it has been paid every month on the dot. I fail to see how they can do this. I feel it is unfair of them I already had the same agreement with another big company MBNA and they have marked me down as satisfactory. Why do CL Finance have to be so unfair to their customers? I have made a complaint to the FOS, I have sent them evidence that MBNA have the same agreement yet show me as satisfactory. Thing is I only owe 1.1k now and I can afford to pay it off within a couple of months now if I leave myself short So do I pay it all off and continue the complaint and is there anything else I can do? I am going to fight these people all the way.. I cannot get credit because of them. Does anyone have a clue how long this is on your file for? Also they dont seem to want to update my file with the extra money I have sent - surely that is against the law Their customer service agents definitely didnt go to charm school !!!