thank youn ill have a long think and get bact to you asap thanks for comeing back with that amazing respose thanks again its in me to fight

okey doke least hes here thats the main thing isnt it DX can you help please with this one Thanks DW

thanx ren for bringing this to dx attentention

bank foder what do the abreviations mean icobs and utccr mean many thanks DW

hi dx thanks for poping in im just after some advice with what to do with this debt if you could help its not listed on my cra nor as a ccj but the dca are comesing to my mums being abusive could you give me some advice please of what to write to the dca thanks and also with regards to makeing offers many thanks DW

thanks ren apreciated mate

thanks again mate il proceed with that then mate thanks

ive pm him and he replied askink could i send him a link but am not brillant on the pc and i dont know how to send links via a pm ren would you mind doing the honours please thanks DW

thanks unc i agree i just want to make afffordable arrangements to pay this debt not to a dca but to thames city any ideas of where i start and what letter to write the DEA associates thanks DW

so how do i go about sorting this debt then what should my actions be any idea is there a brig letter for these people or something if i asked brig to pop in and have a look see what his opinion is with regard sto this debt too. i just want to come to an affordable arrangement with thames city how do i go about this

thanks for popping in ren ill use the trust site an see what the crack is with them if it is just dcas what should i do about them comeing round apart from putting the dogs in the front

no court papers defonately not my mums diasbled house bound and she opens any of my mail that comes and has a good nose into my affairs and reports to the world all the info just as mums do there would be nothing getting past her trust me.

i get you unc i understand what you mean it is like badit country in liverpool tho and people are that in your face to knock on windows etc im just hoping it is the dca i forgot to mention that my mum asked who they through the window were before the dogs went after them and they did say DEA debt enforcment associates there based up here or doen here in liverpool do you think i should call em ferom a phone box or something

will a CCJ not show on my cra file as this is not debt is not listed on the 3 CRAs is that link the only way to find out whether i have a CCJ thanks for your input UNC its apreciated mate

As im going through my non priority debts this is debt 4 of 17 not on CRA with swinton insurance for cancelling an insurance premium i had with the for car insurance now the debt is for £726.71 from 2011 to april 2012 heres what swinton say dated outstanding balance left on direct debit £1319.43 insurer refund - £740.91 as swinton were the broker cancelation charge £148.19 total oustanding £726.71 now are these charges fair ? next they passed the debt to ARC europe ltd DCA who wrote out on 17 may 2012 saying debts been passed to them and i owe £751.71 they phone atleast 6 times a day next letter dated 28 may 12 from trevor munn solicitors stateing unless patyment there going to issue court proceedings next letter dated 13 june 12 trever munn solicitors asking for payment and to contact a agent at ARC europe ltd or an extra £125 is going on top of the debt around august 2012 as i was working and i couldnt bear the phone calls all day i agreed over the phone to make a £5 payment via visa debit and £5 aweek thereafter which week 2 my job contract finished and i was back on JSA so i never made the next payment next letter came from trevor munn solicitors again dated 3 sep 2012 steteing i failed to keep up agreement an whole debt of £751.71 is due what happend to the £5 i gave em legal proceeding will comence etc next letter dated 13 sep 2012 from ARC europe ltd saying there willing to accept £5 every week again any ideas on going forward with this as im on JSA now and i was foolish to give arc my debit card details for wich i cancelled card and have a new one so they carnt acces my debit card any ideas what to do first as they phone me 6-8 times a day thanks DW