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

hi still working through my debts this is debt number 3 of 17 its with thames city insurance and its from 24th july 2009 when i took a policy out with them the debts for £1395.29 as i had a minor bump on this policy and they are asking for the full premium to be recovered as i had an accident whilst i was insurred by them from july 2009 not on mt cra files tho

here goes they wrote out in july 2009 askin what my intentions were to make the payments as i moved house at the time i have only recently retrieved this letter so i never made any contact with them

next they have passed the debt to daniels silverman who has wrote on the 29 october 2009 saying an commercial investigator will be coming out on november12 2009

next letter 4 febuary 2010 by daniels silverman is that they will accept £20 per month no correspondance will lead to penalty charges and interset put to the debt

next letter 22 nov 2011 notice of court action by daniels silvermann and debts gone up to £1661.69 interest £236.40 legal fees £30

next letter 2 december 2011 saying an investigator is coming out to my mums on fri dec 16th 2011 balance gone back down to the original £1395.29

next letter from DEA assocites (in small print it says they are trading style of daniel silvermann merseyside) dated 3 april 2012 the are stateing that they are to take enforcement action for daniels silvermann and legal proceedings will take place in 10 days if debts not paid

now last tuesday my mum said 2 big men come out banging on the window when she has a letter box and was shouting through the window so my dobies jumped the back fence and gave them chase as they were agresive towards my disabled mother (fair play to the dogs) not to my mum as she struggled to get them in and she still remains upset and wants the dogs to stay with her until i sort it out.

what should i do with these DEA associates im fumeing the way they spoke to my mum as i dont live there and she is alone apart from babysitting my dobermans i know i have a debt with thames city insurance and im willing to adress that thats why ive come on this site so get advice to get it all sorted any advice please with regards to sorting the debt and the DEA associates many thanks DW

updated on the above with thanks to uncle bulgaria i have now drafted a letter to egroup stateing all of the above ill be sending 1st class tomorrow ill keep the site and thread posted as to the progress many thanks DW

thanks for your advise uncbulgaria its apreciated ill get cracking with a letter today and get it sent tomorrow

i apologise dx i was unaware of putting that up would be an issue i aplogise again sory i no know for the future

were do i start ?

unc this is a complete joke ?

what about the cancellation fee?

any ideas what i should say is there any draft letters about for these people?

glad to here this is not unusual tho thaks for your reply unc and your time mate ..............

ps why would it quote me 2 k with 6k points then 3 k with 6 points then 2.1k with 9 points what are they playing at same adress etc

brig if you have a mo i am working thriough my 20k debt 1 to 17 debt 2 of 17 is insurance would you mind popping in on that one when you have time please

thanks Darren

BONUS THANKS MATE THERES £70 GONE OFF THE 20K THANKS MATE PLEASE CHECK OUT MT DEBT NO 2 OF 17 MAYBE YOU COULD SHED SOME LIGHT ON THIS ONE THANKS AGAIN dw

Thanks mate its the data controller head office i have every adrees there is i just want somebody to confirm wich is the head office thanks tho for the post

Dx should i make offer of payment or just leave it will they put on my cra ?

Thanks for your help mate please check out debt no 2 of 17 its a corker

its a battle geting this sorted but alot easyier wuth you guys helping thanks ever so much

hi recenctly posted 20 k debt 17 creditors so im working through my debts and

this is debt number 2 of 17 its for £447.3 with ecar insurance for cancelling a car insurance policy last letter dated 8th january 2013.

now this is my most recent of all my debts and its a cracker right here goes

i took out this insurance on the 28/7/2012 through a price comparison website and stated on the site i had 6 points 2 x sp30s

and i proceeded to checkout, checked my details were correct and paid the deposit

1 week later i get my docs and installment schedule and all paerwork to sign and send back

i signed and sent back with photocopies of my driving license and just got on with my life

stupidly i never checked over the details with a fine tooth comb but i was working 16hrs plus a day on a building job

a month later they sent a letter saying i only declared 3 points on my original quote and when they recieved my photocopied licensee it had 6 points on it

they were increasing my premium from £2000 to £3000 because they said i tried to falsify my points to get cheaper insurance.

which i wouldnt do i live in merseyside and the police are all over car insurance up here

it was inportant to get it right with the comparison site in the first place rather than have my van taken etc etc etc

i paid them the original £430 deposit in the first place on the comparrison site to get on the road

and the next payment was in 14 days for £168.44 then every end of month thereafter

the second payment of £168.44 went out 14 days later as agreed

a few days later thats when they wrote to me saying i falseified my details etc (wow)

they are now gonna charge me 3k for the premium when it started around 2k (extra grand for an extra 3 points i declared in the first place )

and the finace people will write out with a new schedule so that came out and that was for £297.30 per month what a joke from £168

i sent them a cancelation request and hey presto now they're saying i owe £447.3 for cancelling

to top it off i deliberately went onto their website and got a quote stating i had 9 points not 6 to see the outcome

it come out at £2100 with 6 points more that what they originally said i put through the price comparrison

this is a joke PLEASE HELP

what should i do

they're pulling a fast one here or a fast few ,,,,,,,,,,,,,,,,,

,,,,,,,,,,,,,,ps i have every doc they sent and the finace conpany even my insurance policy

HOPE THAT ALL MAKES SENSE IN A NUT SHELL IT WAS 2 K THEN 3K THEN WHEN I PUT 3 POINTS EXTRA AFTER CANCELLING IT WAS £2100