hi again, i have had one original CCA from equidebt ?what should i do next? also, i received a letter today from SCOTCALL about the Halifax loan for £14.000 but have had no original CCAf rom the DCA, what should I do? I don't answer any of the calls but i am worried about a doorstep visit, thanks in advance xx

its been a while and I havent heard from any of the debt agencies, I want to settle them though and have the funds to offer a small amount, should i do this?

thanks again priority one, will do that asap xx

UPDATE*** HALIFAX replied that they cannot find an agreement with the details I sent, but my letter was sent to BLAIR OLIVER AND SCOTT, with their reference not the HALIFAX reference. They want me to resend with details of my name, addresses and DOB Same thing with CAPQUEST but its the halifax again who replied

what would I do without you xxxxx

Thanks hun, I will send the postal order back to wescot.

UPDATE..... CAPQUEST who have bought one of my debts from HALIFAX, have replied that they have put my account on hold for 28 days while they obtain the information needed. WESCOT have replied that they are not the creditor but instructed by HALIFAX and that I have to send another postal order to HALIFAX, They have put the account on hold for 28 days..

hi, yes I did recorded delivery and they have all been delivered, just the waiting game now

oops..... i just realised that I didnt sign the letters, will that make a difference?

thanks for your help priorityone. I have blocked all their telephone numbers and never answer unless i know the number. i will get on with the CCA'S straight away and will keep you posted on the progress. much love xxx

hi again,The large halifax was a loan,the small one a credit card. the mbna £6800 was a loan , the other mbna was a credit card but changed to a loan. thanks for all your kind messages, its not easy without him as he would have sorted it out for me.Now I am on my own paying all the bills.all i have is my benefit of £69.00 weekly

the accounts were opened in 2005 with the original creditors. i was paying the original payments until about 2009 when i became ill with kidney problems and couldnt pay, that was when the DCA's got involved.

Hi, the last payments i made were March 2011, My partner died on 23rd feb and i became ill in march. CAB contacted them in march also

Thanks for replying, my debts are as follows mbna....£6.800.00....2005......wescot mbna... £7565.61......2005.....equidebt halifax...£783.17.......2005.....blair oliver and scott halifax...£14.788.74...2005.....blair oliver and scott I have no ccj's and havent checked my credit file i also received a letter today from DVSL requesting i confirm my address can anyone tell me how long probate takes? thanks

Hi, i have 4 debts , 2 originally with Halifax and 2 originally with MBNA. i have Wescot, Equidebt and Blair Oliver and Scott chasing me for payments. The CAB sent them my income and expenditure on my behalf. Since then my partner passed away and i am off work with depression so claiming benefits.My phone is constantly ringing from these agencies . The debts in total are around £30.000 and i can see no easy way out of my situation as i am struggling to survive as it is. I am living in my partners house( it is in his name but he left it to me in his will, probate just been granted today) can anyone tell me what i should do?