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About Gettingmyselftogether

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  1. Dx so fab! Thanks for this. I'll get out of your hair now and come back for more smart advice when the letters start coming in. Thanks indeed to everyone who's helped me on this thread.
  2. Thanks Dx. What's a cash cow account please? Sorry to be thick. Thanks again.
  3. Thanks Bazooka Boo, that's great and I appreciate your clarity. Still daring to hope but not counting my chickens yet. I reckon I will sleep better tonight though. I don't know where I'd be at the moment without this site. Thanks for taking the time to help. I really appreciate it.
  4. Dx, if you're around, can you say why you think my debts might not be enforceable please? I know you can't know about individual cases, but reading the threads here you know loads about cca requests and unenforceable debt, absolutely loads. Since I read your "pigs might fly here" I've not stopped thinking that things might get better for me soon. Do you really think - no guarantees I know - but do you think I might be in luck? Thanks again.
  5. Thank you dx100uk. Your knowledge and help is so welcome! I'm daring to hope that there might be some light at the end of this particular self-made tunnel... Fingers crossed. Thank you for your help.
  6. Thanks so much for this. Yes they are all pre 2007. MBNA was 1998 and the other two were 2002/3. Is this important? I really appreciate your time and help. Thank you!
  7. Yes, all £1 a month. I need to watch the calender then. Thanks for replying!
  8. Hello, Long time lurker here looking for some help please. Thanks to the advice to others I have read here I have learned sooooo much! I defaulted on three credit cards in 2008 and have been paying £1 per month to each since then. They have all been sold on multiple times. Current situation: MBNA £17000 now with Capquest HSBC £3000 now with Robinson Way MORGAN STANLEY £8000 now with Cabot. I know I've been an idiot and it's all my own doing. I sent all three Cca requests on monday, unsigned with POs. What happens now? My token payments are due on 17th - do I keep paying? Thanks so much for any advice. This site is brilliant! Gettingmyselftogether (I'm giving it a shot anyway!)
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