Apologies I did not realise, just wanted advice thats all. Regards

Hi But it states I go through creditsecurity to pay. Sorry if I'm misunderstanding things Tia creditsecurity 1.pdf

Hi The attached is off HSBC. Hope this helps Regards L creditsecurity.pdf

Yes I had a letter from HSBC this morning Regards Louise

I recieved a letter from HSBC stating that credit security will be acting for them now. I won't be speaking with credit security. I have asked for them that I will converse with them by email. And asked for the same payment plan £5 per month as I did with HSBC. I'm worried incase they do not agree. Tia

I received a letter from HSBC to say they have passed my debt over to credit security. Dont know why since I have been paying monthly. Received letter off credit security also today saying they will be calling. I do not wish to speak to these guys. I have sent them an email saying I will continue the £5 per month if they would advise on how I do this. Hsbc have said I didn't keep up the plan. Which I did the same as the other creditors I pay. Now will these guys apply pressure on me. Not wanting to discuss over the phone which will give me great anxiety. also I want a paper trail. Any advice I would be grateful. Tia Hope this is in the correct place

Hi, I contacted them mmediately I saw the confirmation email. They would not help regarding change of room and dates. They only offered the change yesterday. Looks like I'm going to have to pay the fee. Thanks for your help

Hi They have the deposit of £150, I have not paid the cancellation fees as yet. I've contacted them today. In which they now say that they can change dates in which I am not able to do now. They have no complaints procedure no contact email. I'm only using chat at present. I did receive confirmation from easyjet and ryanair. How I prove that the dates I entered are not the same as the confirmation email, is a difficult one. I would like to fight, but its scary if they take me to court. I've saved what I could when I realised that they would not change dates, accommodation. I dont have a leg to stand on..such a horrid company TIA

Hi, When I booked the holiday it stated a room which takes 3 people , when the confirmation came through it was a twin room B&B and not the dates I put in. I was made to feel like a fool, I told them the holiday was not fit for purpose they are so unhelpful. £150.00 cancellation fee £474.00 cancel flights £75.00 admin fee, and there was something else I had been charged for. The cancellation quote has been removed, I have to request another one I feel like I've been scammed. Tia Ahhh this is pants, appreciate all your advice

I booked a holiday with loveholidays, for 3 people to ibiza all inclusive for 5 nights. On receiving the confirmation email my booking had turned to B&B and one room. I immediately contacted loveholidays by chat I explained everything but they were not helpful at all. The holiday I purchased had changed dates, the room and not inclusive. I had no choice but to cancel, they advised me to contact the airline myself to cancel the flights which I paid £75 to easyjet. The cancel quote from love holidays is £647.00. Which they are charging me flight cancellation. The whole holiday criteria had changed. I have cancelled my card on the account so they do not take it all out. Do I have rights at all? Apologies if I have posted this in the wrong area. TIA

I am avoiding phone calls, is this a bad thing to do. I'd rather do letters Thank you

I had an agreed payment plan with M&S which i can no longer afford due to urgent surgery i am now on SSP. I have looked for an email address or a address I can inform them of a new payment of what i can afford. i know this will be passed onto a debt agency i do not wish to speak to M&S, any advice would be appreciated thanks

Thank you

Advice please, I contacted all my creditors with a finance document stating my income and expenditure, and have made a token payment. I am now being hounded by PayPal and aqua. I have received a arrears notice from capital one. Now this has caused anxiety do I have to call them back? TiA

Yes, I've sent them all token letters and paid £5 to each of them, like you said which is true i had been borrowing more to pay to creditors. Which I feel as though I'm drowning. I do believe that these could be sold to DCA which I presume I pay £5 to them. I am a tad scared of what may happen but its my own stupidity for borrowing. Sorry for the confusion on threads, it did not show on my phone that you replied. Thank you for your help

I have sent token payment letter with income and outgoings. With an offer of 5.00 per month. To all my creditors I am at present being hounded by calls especially aqua. Do I take these calls or do I stick to emails so I have a paper trail. I'm full of anxiety, concernd I will have payment plans higher than I can afford pushed on me Any advice would be grateful. Tia

I have sent token payment letters out with an outgoings info letter attached so they can see my financial situation. But I am currently being hounded by calls from aqua due to not paying the minimum payment. And paid the £5 to all creditors. Do I take these calls, im assuming I will be receiving more calls. Do I take the calls, I'm getting anxious Many thanks

Yes im thinking all things, many thanks for you advice, I really do appreciate it

Yes I used the cards to live off pay bills etc when I lost my job. I still pay it all back if defaulted? Also if I have debts owing and I arrange a dmp, a third agency maybe contacted to collect the debt on behalf of the credit card company. In which I will lose my job I work for a cash in transit company therefore I will be classed as a high risk.

Yes I used the cards to live off pay bills etc when I lost my job. I still pay it all back if defaulted? Thank you for the advice

Yes I understand the default is on for 6 yes, I will take a look at the debt collection but I don't understand what you mean by but better to get everything defaulted now, rather than dribs and drabs.

around 2017/2018 I do not have specific dates. M&S 2018

10k m&s £300 monthly Aqua £2700 repay £120 mth Mbna £2000 repay 50 mth Capital £1700 - 60 mth Capital £1700 £80 mother PayPal account £1900 repay £60 I have a default on my account due to not being able to repay the m&s. Which I'm now paying £300 back monthly

I have 2 barclay credit cards. During covid I lost my job, so I had payment holidays on my cards. After the payment holidays I still had not found a job, they suspended my cards. I got agency work and began to pay the minimum amount. I have been paying for well over a year on time. I've received a letter saying I'm in persistent debt can I pay more. I cannot im paying back to several cards and trying to keep on top of the repayments. Should I call to set up a repayment plan, will this stop interest being added to the account. I'm struggling to keep up the minimum payments. Will they allow me to pay less if I request a payment plan. I owe £2500 on one card and £2000 on the other card. TIA

I received a letter from M&S stating wescot will be dealing with the account, no warning from M&S at all. Can they do this? They can see I've paid on time other than the 6 month payment holiday.