Thanks All, If I hadn't had emails and voice mails mentioning my home and how "settled" the horses were I wouldn't be so paranoid. However my instincts were correct that this was something dodgy. It turns out it was a Bailiff from Bristow and Suitor, who while I was down in the field, left a demand on my doorstep for the previous occupiers of the property, I had this confirmed by their office. So I am not totally paranoid and I was being observed. Also the office the bailiff came from is in Redditch which is where Debtsolve are, probably coincidence, but doesn't stop me worrying. Thanks again and sorry if I am coming across as delusional.

Morning, I have just had a frightening incident I have been to see the horses and parked in the gateway was a car with a man in it. An owner of the other horses in the field, saw that I was upset and went to challenge this man and he sped off. It's a very private lane, with only five house on it and isn't a through fare, so not someone where someone would just stop and park. It may be coincidence, but I don't know, this company have turned me into a nervous wreck

No not yet, but I am going to try and ring all the people I can complain to today, I find it very hard talking to people on the phone, I get very emotional. My husband is away again so he can't do it for me

Thats true They are saying it will go back to the client in seven days to go to court, so shall I just sit tight and see what they do, or send the letter quoted by another helpful member, saying I won't deal with Debtsolve ? I am pretty resigned about it going to court, at least we can challenge the fee's and charges, should we mention this to the vets before they submit it to court ? That we aren't going to pay what they claim we owe. Shall I write to the vet confirming our circumstances, saying we can only afford this amount ? Will it look better in court that we have tried to make an offer to repay based on our circumstances ? Also if the debt is being claimed in my sole name, is it only my income they can take into account ? I am on benefits and my husband obviously pays the majority of living expenses, so is it based on what I can afford ?

Morning Had another letter of Debtsolve today They are saying I have seven days to pay this bill and they are going to add another £235 for the account to go to court. They have said the amount outstanding doesn't have late fee's attached to it, but the vet is showing something completely different on the accounts sent directly to me. They keep sending me photocopies of the cheques the insurance paid to me and saying I must still have them and I should just hand them over. This is what they will use against me in court. We have told them the cheques were swallowed up, when my husbands business started to fail, and we were paying as much as we could of this, but they aren't interested. We have a screen shot of the vet's terms and conditions and nowhere does it say they are going to charge 3% monthly compound interest for late payments. Debtsolve have refused to cash my token payment cheque. They do not accept them, they will only accept postal orders/cash and debit/credit cards but they charge a fee for card payments. Thanka again x

Thanks Daniella, you have been so helpful. So I need to figure out all the fee's, deduct what I have paid, add the per annum interest on to that, take off the Debtsolve fee and go from there ? Then I have all the information ready to challenge them if they take me to court. If they are charging me compound interest, shouldn't that be stated on their terms and conditions ? If I rang the number you quoted above and ask for this David, will he know what I am talking about ?! Thanks Again

Thanks Daniella that's all really helpful. Our credit report is rubbish now, so a CCJ wouldn't be the end of the world. The fee's for my husbands horse have been paid, but they are claiming an additional £900 of fee's they never added to the insurance claim my husband submitted, to my account and are charging interest on it. Would the interest be 3% monthly interest or 3% of the total debt, the interest they have charges for May is £50 more than they charged in April ? If they work on a no win no fee basis, why are the vet's charging me £1186 for Debtsolve's services and this total is added on to the account ? Do you have the telephone numbers of who I need to ring, not sure who the CSA are (sorry)

Well the Debtsolve company is the Redditch Po Box number, the vet is based in TN24. It's all coming through Linda Brooks at Debtsolve, they said we must pay no more money to the Vet's it all has to be paid directly to them now, the copy invoices came directly from the Vet this morning.

That's what I suspected, I can't see all the money I have paid credited either

Hello Everybody, Thank You for all your help so far. This morning I have received a breakdown of the vets charges so far. So they are demanding £7516 They have charged me approx £1250 for not clearing the balance, it's working out at 3% per month, though on their website it doesn't mention this monthly charge only that 3% would be added to the debt. This is from the Website SETTLEMENT TERMS Payment is due within 14 days of the date of the invoice. Overdue accounts will be transferred to our Debts Collection Agency after due notice to you, and further charges will be levied in respect of costs incurred in collecting the debt. We apply a surcharge of 3% on overdue payments. They never notified me they were sending it to a Debt Collection Agency, if we had a letter from them, we would have passed it on to Stepchange to put on the plan when it was first set up. They have charged me £1186 for the privilege of employing Debtsolve. They have also added onto my account £1322 for a horse that was solely owned by my husband and they have put onto my account, they have also charged at least £900 for treatment for him that they didn't claim from the insurance company. I haven't had chance to check against the insurance records yet, to see how much over the £3000 limit for the illness caused by a third party is. I can't see how they can charge all of these fee's, none of it is right. If they can charge 3% a month, then they are charging me for a horse I don't own and interest on the Debtsolve fee. I am not sure who I need to complain to now, my mind is all over the place. We have heard nothing from Debtsolve since Thursday evening, so I suspect they are issuing a small courts claim, the calm before the storm as it were. I don't know if this is relevant or not, but the first registered address of Debtsolve the TN area, is also the same postcode area as the vet's. I hope that all makes sense. Thanks Again Everyone.

My husband is away until tomorrow morning he knows more about it, but I will try and find the original judgement and see what it says, it's in a box somewhere. Though as we have just moved we have a million boxes laying around

We will get a letter sent off saying that first thing tomorrow, the problem is the person dealing with us is the Managing Director of the company, so I am not sure who complaint will go to ?! Does anyone know if it's a specific department at the FOS OFT and Trading Standards I should speak to ?

He lost his job in September 2009, the CCJ was probably obtained in October 2009 and the Charging order in November 2009, I am pretty sure it's contractual interest they are charging. It's two CCJ's one was for windows and the other was for a Conservatory, so it was a loan, so should be a Consumer Regulated Debt.

This has been going on since 2009 Is it to late to challenge it ? When my husband went to court, Link had a solicitor and the judge granted them permission to charge monthly interest in the judgement

Sorry I wasn't very clear, I am rambling a little The insurance company paid out some of the claim and told me they would look into reclaiming their money because it was negligence on this persons behalf, they then decided that it wasn't cost effective for them to do this. Then because I was at the policy expense limit I had no more cover for he, I was advised to go down the legal route to reclaim the money direct from this persons liability insurance, but because the vet wouldn't release the records this was impossible to do, so even though the insurance paid out there was a shortfall. Yes it is the people in Redditch, they have a PO box number. We keep telling them we are with Stepchange, but they accuse us of lying to them and that we aren't, but we have added this debt onto our plan and they will be paid from July. We have even sent a token payment to them. It's not like we are trying to avoid paying, we want to but we can only pay what we have. I to have been unable to find any information about this company, it's very odd. Every time I see a car driving past the house or the field they are in I think it's them, A window salesman called yesterday, I didn't know who he was and I thought it was these people calling at the house, I had a terrible panic attack. I don't know if the horses will still be there in the morning. Thank You for the support x

Thanks Everyone The emails and voice mails are implying we are being watched. We have moved to be nearer my family, I am too ill to manage without help. We sold the horses to my dad as mentioned above, this was in return for financial help, we have a bill of sale, however my dad has continued to fund them as they know they help me mentally to keep going, also one of the ponies was my sons best friend, he is autistic and he would be devastated if he were to be taken away completely. We got a voicemail left saying we know the horses are being moved to a new address, then we got one a day after my dad had moved them we got another message, saying we know they have gone and are being kept in a field near your rented house. Then we got an email saying the horses look happy don't they, they are making me paranoid. I have provided them with a bill of sale, but they are saying they will take my dads property now. We don't pay anything for there upkeep now. The insurance company said it would cost them as much to claim against the person responsible for hurting my horse and wasn't worth their while , so I started a claim through my own legal insurance, but the vet refused to disclose my horses medical records, this was even when account was up to date, without this I had no proof, so my insurers said unless I get it I can't claim. The DCA said they were issuing proceeding against me today, I noticed that someone mentioned if a small claim was above £5000 then they could go to High Court, is this correct ? If I am in a DMP and made an offer to them can a bailiff really still take our belongings ? The more I think about it the more appealing bankruptcy is becoming, I will have to get advice on how my ex's home will be affected, he has had a terrible stroke and I don't want him to suffer more anxiety than necessary, especially as he has paid the mortgage for last seven years. Can CCJ's/small claims etc be included in bankruptcy ? I appreciate all the advice so far, thank you.

Thank You The debt company is called Debtsolve, my doctor has written to them stressing how ill I am at the moment, my husband is trying to deal with them, but as account was in my name they are pushing to speak to me and sending intimidating emails, I have asked both vets and Debtsolve for information on how they have reached this amount, they say they sent it last year so I should have it, but I can't find it anywhere. The wording on the letter is :- following your conversation with us earlier today please find enclosed all the invoices we have settled to yourself and the cheques you have cashed. I also enclose our previous correspondence including that sent to your vet detailing what we have paid. If the outstanding amount is not settled to your veterinary practice, underwriters will be pursuing you to recover their costs paid. The thing is they say they have paid £4700 I have paid at least £2500 but the vet is claiming £7487. I suppose it will be clearer if they do take it to court, they would have to explain themselves then. Thank You

The managing director of the insurance company told me it was fraud over the phone and this morning I received a letter stating, if I didn't immediately pay all the outstanding money they had paid to me for paying the vet, their underwriters will be pursuing me for the money paid out to be returned to them.

Sorry not to sure how to quote the post. The insurance company said that because they paid me and because I didn't pay the vet the money they paid me, I have committed fraud and they are going to take me to court to get their insurance money back. The vet wrote them a horrible letter saying I have deliberately kept the money and not paid a penny, this isn't true I paid over £2500 out of the £4700, it was only when the last two payments went into my account, they were swalloed up by living expenses

Thank you everybody, it's helping just getting it off my chest. The mortgage company have added plenty of charges on, my husband lost his job in 2009, because it was a repayment mortgage the payments were quite high, I told him him to switch to an interest only mortgage, which he eventually did. He was on contributions based jobseekers allowance and we were led to believe that we would get help paying the mortgage if he was out of work for 13 consecutive weeks, however when we submitted the forms we were refused as it was contribution based jobseekers and not income based ? His only income was £55 pw and he had to support me and my son as well. He was also making token payments to his debts, he had loans with link financial for home improvements, within months they got a CCJ and a charging order on the house, they are also adding interest of over £115 a month onto each debt and as such the charging order is over £30000 now which is double the original debt. I don't understand how that has happened. I can't see there being much equity in my ex's house, not when redemption fees are added on to the mortgage amount. We have no assets, a car on HP and our furniture, I sold my horses to a relative in return for some money to buy food and pay bills. I still have contact with them, but I don't own them now. I think with the charging order and mortgage arrears the house may be to far gone to be saved. If the vet get a judgement against me, can a bailiff come and collect the money or do I pay it directly to the court ? Thank you for all advice so far and I will look at those links.

Thank you for the reply. I have tablets and therapy for the depression, its just this company that are driving me over the edge at the moment. The voice mails and emails are so aggressive. This is what I thought the court would take into account our circumstances, but they said that they want the debt paid in 3 months at A rate of over £2500, if I don't do this they will take me to the small claims court and then to the high court. The house is in my husbands name, he bought it before we knew each other, all the other debts have defaults on to them, they total about £29000, the business was a limited company and my husband was a sole director, he owes about £30000 to the vat man. No debts had PPI on them. The house is in negative equity, we have rented it out so the mortgage can be paid with the rent money, it has a secured loan and a charging order for £30000 in my husbands name. But there is arrears of £6000 on the mortgage. Its such a mess. The only home I have a connection with is that of my ex-husband. I haven't lived there for 7 years or paid the mortgage, he wanted to stay there so I moved out, however my name is still on the mortgage. I suppose bankruptcy would be the best solution, but I don't want my ex husband to lose his home, t's not his fault that I am in this mess. Thank you

Hello I hope this is the right place to post my problem. Last July I had a horse that became quite poorly. I claimed on my insurance for her, the total claim was in the region of £4700, I paid the vet approx £2500, it was an ongoing claim running over four months. The illness she suffered from was due to negligence on the part of someone I had hired to carry out clipping her coat off. (Sorry trying to make it simple for anyone not horsey) The vets and insurance company both said the third party was at fault and they would pursue her for the costs involved, though my insurance company began to pay out, they made the cheques payable to myself. In August the insurance company decided that even though the claim was for almost £3000 it wasn't worth their while to pursue this person, I hired a solicitor and my vets told me they would support my claim, however they ignored all requests for my horses medical records and my solicitor said without these as evidence I couldn't pursue this person any further. While all this was happening my husbands business started to fail, the compamy is in debt for about £58000, we have personal debts for which we are now in a debt management plan with Stepchange, the cheques that the insurance company paid me were swallowed up in the bank account and I was unable to pay the balance to the vet. I was in a payment plan with them until November, that is when my husband lost his job and I had a nervous breakdown. I am unable to deal with anything, life is exhausting, I have the worse panic attacks, I cry all the time, my young son thinks I am going to die At the end of April I received a voice mail from a debt collection company acting on behalf of the vets, they have been very aggressive, they are demanding £7500 on behalf of the vets. I don't agree with the amount claimed, I have written and asked for a breakdown of fee's and charges, which they are refusing to supply. I have told them we will add them to our DMP, they wont accept this as the amount offered is too low and said they are taking me to court. The latest bombshell is, the vets have told the insurance company that I haven't paid all the claim to them and the insurance company are now threatening to take me to court for fraud, I know we should have paid the vet off; but with the business going under,my nervous breakdown all the other debts, our house is about to be repossessed and we have moved into rented accommodation now. Paying the vet was just lost in the cloud of everything else that was happening. My husband has a stable job, we don't have a huge amount of spare income, but we are trying to get straight, this just feels like one bridge to far. I tried to kill myself on Tuesday through the stress of all of this, my husband found me in time but really I wish he hadn't. I am being threatened from all angles now and I don't know what to do. I don't want to go to prison for fraud which is what they have said will happen and I haven't got the money to stop them taking me to court. I just want an end to it all. Thank You