*harrased senior* can i put anything else in the letters regarding the constant phonecalls? or should i leave as is??

right all letters ready to post......

no intrest is being added and i was paying them up until about a month ago

ok ill get a template letter off an send it fingers crossed!!

yes it may be worth a try but i have previously been paying them so dont know if it would work the same

..

thanks so much for your info i feel so much more postive about things already!

the llyods one was an overdraft but i know at least 60% of the balance was charges the brilliant gift shop is a catalogue from jdwilliams it was opened online as were all my catalogue accounts i have never physically signed any papaerwork for any of the things i have listed

brilliant could i do this for llyods bank account again even if i do not have account numbers? And with the catalogues jdwilliams fashion world simply yours and the brilliant gift shop are the same so do i send this once for each account within their group

i hope that all made sense

thanks for your advice. i know im making rash decisions but im just sick of it all now!! with regards to enforcability do i send out a cca request or sar request im sorry im so stupid but i dont know where to start

i am considering bancrupcy do you think this is a viable option

as some of the agreements are quite old should i offere f+f settlements on these? and should i put them all onto a dmp to stop any further action and work from there do you think?

hiya they all date back to around 2005/2006 ish i have previously been paying some on a dmp with cccs but i only ever had 5 debt on the plan. i have stopped the dmp 3 months ago but all the creditors have had contact with me apart from ntl/virgin my creditors are Wescot £1,708.00 (was housing rental) wescot £192.00 (was water) lowel £334.00 (ccard) eos £54.00 (paypal) fenton cooper £486.00 (bank acc) cabot £53.00 (next) robinson way £382. 00 (02) avon £48.00 books for children £80.00 ebay £68.00 24 studio £2,050.00 fashion world £1,400.00 jd williams £150.00 simply yours £300.00 the brilliant gift shop £200.00

hello basically i am new to this and after reading many posts about this im stuck deciding what to do for the best. my situation is that i owe around 8k to 15 creditors and im trying to find out what the best thing to do is regarding these debts. my partner isnt aware of the debt and ive had enough of hiding letters not answering the phone and worrying about bailiffs turning up. should i go on a dmp i have around £70 per month spare. or should i do a f+f settlement? my brother has offered to give me 2k to help pay off the debts but would 2k be anywhere near enough to settle these? most of the debts i have are with DCA now but i have 3 catalogues within the jdwilliams group totaling 2k that are still with them and one with studio also for 2k which is still with them they are both now at the internal collection stage. please can someone advise me what to do for the best and how i go about starting things up. i rent my house have no assets and have a young son of 4 its a nightmare and i just want to sort it asap thankyou for any help

sorry!! no we rent a property and i have no assets at all

hello basically i am new to this and after reading many posts about this im stuck deciding what to do for the best. my situation is that i owe around 8k to 15 creditors and im trying to find out what the best thing to do is regarding these debts. my partner isnt aware of the debt and ive had enough of hiding letters not answering the phone and worrying about bailiffs turning up. should i go on a dmp i have around £70 per month spare. or should i do a f+f settlement? my brother has offered to give me 2k to help pay off the debts but would 2k be anywhere near enough to settle these? most of the debts i have are with dca now but i have 3 catalogues within the jdwilliams group totaling 2k that are still with them and one with studio also for 2k which is still with them they are both now at the internal collection stage. please can someone advise me what to do for the best and how i go about starting things up. its a nightmare and i just want to sort it asap thankyou for any help

hi i need advice my mum and dad live in a rented council 4 bed house with my 3 siblings now they have created what i can only describe as a hoarders house. every room is full of furniature not nice furniature either the scale of the problem culminates in my mothers bedroom which you can only just get into and that is probably a 50cm quare of space she still sleeps in here.. there is 11 wardrobes full of stuff king size bed in the middle ....5 dressing tables and god knows what else piled up ontop of every available surface. now the thing thats bothering me is its a council rented property an they are having an annual check done...something thats never been done up until now they have lived there for 7 years. im just wondering whats going to be said by the council?? i can try and clear the stuff but i hate to think whats going to be found as its been in this state for at least 5 years the check is in 14 days time what do i need to do im stuck and really could do with advice

thanks are you able to tell me how i go about dong these things also as i dont know any account numer will it cause a problem?

hello i am trying to work out if i can claim bank charges back from an old llyods bank account i held about 4 years ago as i have not paid this for a number of yeas the debt is now sold to a dca.....however the debt is just under 700 over the course of me having the account i believe they took around 500-600 in charges hence why i went overdrawn in the first place. i understand you can send a s.a.r and get 6 years worth of statements but the only issue is as the debt is now with a dca do i send the s.a.r to them or llyods and as it was so long ago i dont remember my account number is this going to be possible to reclaim or is it worth my while just to pay it off? any help would be appreciated as i really am vague on these issues

so if i send a sar to the dca (got a temlate letter on here ive just seen ) then see what they say from there is that right? with mine id say at least 500 of the 700 i owe is made of charges so if i can prove that once i have the statement things how do i go about getting them to sort it out then sorry to everyone for being so naive

will i send the letters to the current debt management company or llyods and as i dont know the origional account number for the debit card is that a problem ? can you tell me how i go about doing this sorry for being a muppet but i really dont know how to do any of these things thanks sarah

thanks for everyones replys ita a nightmare!! so in everyones opinion id be better off leaving the 1st 3 as i have had no contact and then continuing to to pay the people ho are hassling me and basically the defualts are all going to stay on file for years anyway am i right in suggesting this.... another question the llyods overdraft most of it was made up of bank charges so can i reclaim them then

thanks for the advice i would imaging all the debts are enforcable unles im being stupid althogh i never did sign an agreement for avon / littlewoods / or 02 as i done these all online does that make them unenforceable??

im writing here as a last resort i have since i was 18 been in debt and have recently been trying to sort it out i just need some guidance as to what i need to do ive got my credit report and paid off a few of the defaults i was looking at using a credit repair comp any they say they can write off most of my outstanding debts and remove defaults but they want 195 pound per agreement should i sign up and do this as i really want it sorted.... i have 6 defaults on my credit file 3 have been paid 3 havent i then have 2 other debt collection agencies after money that dont show up on my file currently i have defaults for 02 450 pound (not paid) have had no contact with them for 2 years avon 137 pound (not paid) have had no contact with them for 2 years lowell portfolio 457 pound (not paid this was origionally a littlewoods debt) have had no contact with them for 2 years llyods tsb more than credit card paid f+f settlement of 200 pound on an outstanding balance of 2000 pound shows as satisfied default debt mangers 223 pound this was a next directry debt paid in full shows satisfied default next directory default 244 pound this has been paid in full shows as satisfied default i now owe 650 pound to llyods for an old overdraft this has now been sold to a debt collection agency i also owe 250 pound to moorecroft debt collection agency for my old anglian water debt are any of these likely to get wiped off my file if i pay this company or should i just leave it as is and pay them off bit by bit and be done with it i would apprecite any advice on this