morning, sorry my ex wasn't registered at the property. Mortgage was in my name solely as he was unable to get credit.

Thank you Andy. I had a crap night last night worrying over this. I should have kept up the initial payments. You live and learn tho. Thanks again. Gally

I already did question them years ago

but there is nothing they can do as my name was on it only.

When I called the council last night.

They said I can call this morning and speak to a supervisor who might stop my wages being arrested.

However it would depend on their mood!

I'm just worried my employer might dismiss me as I've only been with them 7 months

I have called the council this morning and they are going to cancel my wages getting arrested and I have made an agreement to pay it off monthly.

I have been worried sick over this.

Thank you for all your help.

No as it goes back the years that my ex never paid. I think about 5 years worth. He was supposed to pay it and never. Which left me with the debt

Thank you. I'm now more worried I might lose my job. Thank you for your help

I've buried my head with all this. I don't blame them at all. I wasn't sure who it was. I just guessed. Please accept my apologies. I honestly feel like just jumping off a bridge I cannot afford what they will take off my wages

Just phoned the council and they have put an arrsement on my wages. Which I cannot afford. What can I do? I seriously can't afford what they will take off

No. I've been paying it at £40 per month. When I moved I stopped paying. The debt was over 9k. My ex left me with it all. It was in my name only What if I just start saying it again, would this avoid any further action or will I need to phone them

in due about 6k!

goes back to 1999.

Whats the least I can offer them. Money is tight!

Oh well, hopefully they will send me a letter and I can arrange payments. Or I might just bite the bullet and phone the council to arrange payments. What's the least I can offer them?

Yes and yes. Also the papers that they had was the wrong address. Same estate, just wrong address.

Yeah I know. I'm just very embarrassed needing to call them. I think I was hoping that because I have changed name and address (moved to a different council area) they wouldn't find me!

just don't have the money to pay it just now. If it was the sheriff I am more then happy to make payments. Nothing has been put through my door though

I am in Scotland. No one told me, I am just guessing as that's the only debt I left at my old address. My neighbour said they had a letter with my maiden name on it.

nope, nothing

hi. looking for some advise. I have had the sheriff officer at my door today. I was out at work and my neighbour saw them. They asked who lived there (just moved in) and my name. She never told them anything and said no one new has moved in.

I have got married and they have my maiden name. Nothing has been put through my door and as far as they are concerned I'm no there. To be honest I don't know if it was the sheriff officer, but the only debt I left at my old address was my council tax. So I am putting 2 and 2 together.

Do you think they will come back? They don't know where I work and everything is under my married name anyway. Help

okay, will send MBNA the letter today with the PO.

Thanks again for your help and time dx

okay will do that today...what do I do about paying it though. Would payments be made to MBNA or AK?

oh, wit you saying never pay a dca, I've been paying cabot for about 6 years now...for debt that was 5 years old...only after I phoned them and made a payment plan did i realise the debt was sb... Should I keep paying them or would you suggest cancelling the d/d?

thanks Dx,

I've sent them the SAR by email. If they want the £10, I will send a postal order will will wait to see what they say.

Does this mean, I dont have to pay them anything, what will happen to the debt?

sorry, its £4000, or just over

I dont have any statments . I checked my file and its default from MBNA. Nothing on for AK..

Whats a DCA?

hi,

i had a MBNA card 2010.

I stop paying got into problems.

got a letter for Aktive Kapitol asking for full payments.

Looking thro the web,

I sent them a CCA thro email (told them this is the only way I want to communicate. 2 months later I got the original aggreement.

Not sure where to go from here?

do I call and make arrangements to pay?

any help would be very much appreciated.

I don't think there was any ppi on the card. What can I do now? Thanks for your advise, I'm stressing a wee bit!