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About stho1978

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  1. Thanks. That's really useful. I'll let you know how I get on. Like I said, I owe them the money, I want to pay them back, but it's the lack of communication and they're seeming to bend the rules that I don't like.
  2. Thanks for your quick reply to my long post. I've done a lot of research into debt and what debt collection agencies can and can't do. I know the difference between court appointed bailiffs and debt collectors, so I'm not worried by DCA's - especially Link who seem to have a bad rep anyway. I only really try to engage with creditors or DCA's via letter and make notes of the time, date and details of the phone calls so I've got it pretty much all logged what was discussed and when. The times I do contact them via phone, or they phone me, I usually send a letter off confirming w
  3. Hi, Due to a change in circumstances over the past year or so, I've not been able to keep up with credit card repayments. I've taken advice from Stepchange and I am working with the creditors to find a solution. However, 4 of the creditors just don't seem to be engaging or are going back on their word. I wondered if someone could give me their insight / thoughts into the info below - I've lumped them altogether rather than putting them in their own threads on each individual creditor forum. I'll put a bit of background and then at the bottom put my q
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