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About redbilly

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  1. The payment arrangement was made on the phone.
  2. My credit limit when I asked for the account to be closed was £2000
  3. Hi Wonder if anyone can advise me on how I stand with the following situation. In 2006 I took a Vanquis Visa card in June 2009 I owed them £1952.24 and my payments were £89.00 per month. In June 2009 I got into some financial difficulty and spoke to Vanquis asking them to cancel the card and that I could not afford the £89.00 per month and that I could afford £43.00 per month. They agreed and the card was cancelled and I was told that no more interest would be applied to the account. I paid the £43.00 for 3 months when Vanquis informed me that £43.00 was not enough and I now owed
  4. I have a long standing agreement with a company called Rockwell over a credit card debt to HSBC. I have made every agreed payment which is only £1.00 per month. This agreement has been periodically reviewed and as my circumstances have not changed the agreed payments have continued. In the last three weeks I have received a letter every day (except Sunday) from them requesting a financial statement these letters have become more and more threatening with legal costs, court etc etc. I remember reading on this site a while ago that a financial statement can only be requ
  5. Thank you for your advise. I have been going through all the paperwork I have from various DCA's regarding these two debts. Companies such as Metropolitan Collection Services, Wescot Credit Services, Nelson Guest Solicitors and Rockwell. The debts originate from an Midland Bank/HSBC credit card last used in 2001 and Midland Bank/HSBC overdraft also from 2001. I have been trying to pay these debts off over the last 10 years but it has been a struggle. I am now paying Rockwell £5.00 per month on each debt by standing order. The last statement from Rockwell in O
  6. Thank you for your advise, I will put some details of the debt to Rockwell later when I get home from work.
  7. I have been asked to complete a financial statement by Rockwell as my "agreed" payment terms are up for review. Although my circumstances have not changed I am told I still need to complete one. My question is (and I have searched these page for the answer) How much is acceptable to put down for such things as Food and Housekeeping? I am a single person and not the greatest shopper in the world and not really sure how much I spend in a month on food or clothing it's more a case of buy when needed. There must be some acceptable sum for a single person anybody have any ideas or able to point
  8. I ignored this letter, but today received a telephone call. I was asked to confirm my information "for security" I refused to confirm the first line of my address, Postcode and date of birth, Stating that I had never heard of Aktiv Kapital. I was then informed that I had made things "significantly worse for myself" by not answering there security questions at this point I politely informed the caller to go forth and multiply and hung up. I know offering information to an unknown caller as to how to make a family is wrong, But I am in the right not to divulge information such as my address, p
  9. Your advise would be greatly appreciated. I received a letter today from a company called Aktiv Kapital claiming I owed monies to GE Capital (First National Tricity Finance Limited) and they were seeking payment in full of the debt. I have never heard of any of the companies mentioned. What should I do first. I have resisted ringing them to find out what it's all about having read many posts on here saying do not ring debt companies. The letter stated that they were provided with my address through public databases. Is this correct? Thank you in advance
  10. Hello, I am very new here and I am hoping for a little advice with dealing with the aggressive threatening tactics of a company named Rockwell Debt Collection Agency. A little history first My debt relates to a HSBC Mastercard which due to divorce and other personnel circumstances I ran into arrears in 2001 leaving a debt of approx £3700.00. After sorting myself out and moving from London back to the north west I agreed payments firstly to a company called Metropolitan Collection services and another called Westcott Credit Services. I made regular payments. In November 2007 I received a le
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