sorry mate re quote, I am also a luddite too. I am not, I am just not right just now. OK thanks for this have read it over and will read over tomorrow when I am feeling better and be able to absorb it. Great site, thank god it was set up!

I'm going to do exactly what you say. Be back to let you know wish me luck! And thanks for getting me and my limits just now. Ellie

Listen I really appreciate your experience and the links to threads, I have read them, but still to take them them in. But can I ask you to respect the fact that when you are ill you dont have access to normal energy so everything takes longer, also you dont think like your normally do. You will know this because you will have been ill at one point in your life. I agree they have zero morals but I dont want to join them, and for my own sanity need to make sure I am safe. You sound like a bit of a warrior and god love you for it, but I am not. No big deal, thats just how it is. Encourage me, dont put pressure on me for not being as brave as you.

ok thanks. I will read through this. Is this what the postage stamp was for? So they find it and send it to me and then what? Or they cant find it and it means the debt doesnt exist anymore? Sounds too good to be true. Have you yourself had success with this then?

im not as confident as you and have health issues this will just make me more stressed.

Cant they get bailiffs on to you? And take you to court?

Is that how cheap it is, 10p in the £1.00. Yes I am interested. What now?

Where do I get the proof they dont have any legal powers? Is it the FCA? I dont actually know what a DCA is? I did move but was ill for a long time then updated them all. They were all on token payments. This one now is demanding more I was making payments for a £1 but mistakenly this one got cancelled and trying to set it up again I am being threatened with court etc. I just wish I knew the law on this stuff and I dont DCA - Debt Collection Agency..........

Yes of course re other peoples threads but a little bit of both helps us who are shy. I had it on a token payment and it got mistakenly cancelled and now with a solicitors (dont want to say their name) . Its from 2007, but was taken out before maybe 2004. Its from an old credit card from tesco. Went to metropolitan (I think hard to keep up with changes) and then cabot now with a solicitors who seem to be threatening me with court if i dont pay more than the token fee. I have sent a budget etc I have about 20 quid spare. It would be really helpful for me to know what legislation or policies and powers they have ? When I phoned a debt management company they only offered me a reprieve of 60 to try and offer more money but I dont have it . I will pay this off but not now my health isnt good and I have little left over at the end of the month. thanks i just need someone to put my mind at rest

I am new to this site and cannot work out how to get in contact with the users whose conversations and knowledge made me want to come here to ask for help. How do I contact - dx100uk? And do people actually help people here by writing to the companies or is it just advice? This debt is pre-2007, and I have had ill health since then and just starting to get better. But am not there yet. I read on other threads they have to accept the token payment if you have given them a budget but on ringing a debt agency they said they can refuse and take me to court. The debt is for 3k or there about. So what is the truth. Can they take you to court if you have kept in contact, are sending them something (token payment) . I am happy to pay the debt when I am earning enough, but just now I am not and in precarious work. The stress from them phoning me will set off health stuff. I tried to contact dx100uk by private message but havent posted enough. thanks