Thanks - i'm one of these people who likes to worry & already calculating possible speeding fines & the like (that probably never happened) and letters revoking my licence for non response etc..... I won't hold you to it, but please tell me likely nothing to worry about I.e. I'm more than willing to pay any fines that i've received, but not any extra charges on top or court fees etc.....

Ok - total oversight / head in the sand job here. Have not updated the registered keeper address on my registration document for nearly 4 years - just got my tax today & the post office lady spotted & said I had to send it off & update it - which I now have. I'm just worried will this highlight any skeletons in the closet ? - Speeding fines - Late tax fines And would it be better to call DVLA to check current status or just leave it ? Any advise appreciated. Thanks

Indeed it is - i'm not doing well here am i..... sorry.

Hi, Starting separate thread for each debt per DX's advice CCA request printed & being sent Monday, then need to get started to see if anything to reclaim.... Owe £300 ish - currently being chased by Fredricksons. Will update in due course.

Hi, Starting separate thread for each debt per DX's advice CCA request printed & being sent Monday, then need to get started to see if anything to reclaim....

Hi, Starting separate thread for each debt per DX's advice:-D Can't CCA an overdraft ? Currently owe £2500 ish....... should we make token offer of payment or wait until we get CCA results from other creditors ? Have just been ignoring so far, And also start process for any reclaims.

Hi, Starting separate thread for each debt per DX's advice:-D I'm not being chased for this as they do not have my current address...... but can I CCA them using same details as my partners card i.e. presume that KPR will be chasing it also ?

Sorry - thanks

Hi, Starting separate thread for each debt per DX's advice:-D CCA request printed & being sent Monday, then need to get started to see if anything to reclaim.... This is being chased by KPR debt collection & have already made an offer for reduced full & final......

Hi, Starting separate thread for each debt per DX's advice:-D CCA request printed & being sent Monday, then need to get started to see if anything to reclaim....

Hi, Starting separate thread for each debt per DX's advice:-D CCA request printed & being sent Monday, then need to get started to see if anything to reclaim....

Hi, Starting separate thread for each debt per DX's advice:-D CCA request printed & being sent Monday, then need to get started to see if anything to reclaim....

Sorry for multiple posts - but this is also the case for Essex & Suffolk water. though we only owe £60 from previous address.

Confirm we do have meter readings for both properties. Look forward to any advice - thanks.

Yep dual fuel... Pretty sure the other half has taken pictures of the meters when we moved out of the old & then when we moved into the new. Am I likely to have any objections to them splitting this bill if I just call up & speak to customer services ? If so emailing CEO best strategy ? - where would I find address ? - and is there a template I could use ? Thanks

Hi, Your responses are making me slightly optimistic ! Approx £800 of the £1000 debt is from out old property which we moved out of in Dec 2012. We do owe the money, and had been paying a higher monthly amount - £150 to cover monthly bills & pay some off, but recently they said they could not find our gas supply !!?? - so had not been billing us, Now they have sent threatening (usual stuff) letters demanding payment for whole £1000. Whats my next / best steps ? What can they do about the old debt at our previous house ?

Hi, have a £1000 debt with Npower - mostly from a previous property we rented. We are still with Npower now at a new property (also renting) They are threatening to cut us off or install a meter. Would there be any come back to switching electricty / gas providers & making an affordable repayment offer to Npower in line with other debts of £5pcm ? Thanks

Due to unforseen personal circumstances - i'm only just getting round to sending off the CCA requests this week - have just been ignoring phone calls & letters ..... Is there any negative effects to sending a CCA request ? I.e. they will view any future negotiation negatively ? If not, i'll get off this week & get organised ! dx - thanks for all your help on this.

ONe last question (I think) on the general side before I start individual threads. Should I CCA my existing creditors before 'telling' them what I can afford to pay or can this be done afterwards ? Is there a step by step guide for best order to CCA / PPI / SAR etc in ?

Hi, Co-op account should be open this week & then i'll get letters off to all, informing that we can only make token payments, thanks for advice... I'll be looking to get checking that debts are enforceable & start reclaiming any charges / PPI. Would like the forums help guidance on this, whats the best way to begin, i'll have proper read through the basics & templates, but then is it start a thread in each respective bank / lender area & go from there ? Thanks

Just tried to open a new bank account with someone we don;t owe money to (HSBC) - got turned down ! Have a meeting with them on Friday where i'll try to open a basic one... If that fails I need to consider following options 1. I have two current accounts with Halifax, one has nearly £5k overdraft, the other is a basic account with no overdraft. If I left money in the basic one could they / would they take it to offset the overdraft ? 2. If I open basic bank account with barclays would they be likely to offset this agains what we owe on Credit card ? Both above on basis that we offer token payments. Thanks

Thanks - will give this a try.... Is it the same for overdrafts ? i.e. same letter offer ? as there are no monthly minimum payments on overdrafts... And i'll start getting organised with regards to claiming back charges & any PPI

No nothing..... both our files are pretty clean except i'm 2 months late with Nationwide credit card & Capital one. But we are currently paying nearly £500 a month in minimum payments which we cannot continue to do, I'm happy to send them token payment offers, but really don;t want the AP marker. So planning on ignoring for few months until defaulted..... ?

Yes will be lots of OD fees ! On all of above is it better to just ignore totally until defaulted or write to them saying we cannot pay anything & can they freeze interest etc.... Though I guess we would need to offer token payments & thats when the AP marker comes in ???

HI, One thing I for got is that we also have overdraft debt ! Halifax - £4950 Nationwide - £1500 Is there a different process for overdrafts ? Guessing better to just open new 'safe' bank account & then not pay or contact until defaulted ? like the credit cards ? Thanks