Hey im new so please be nice I was visited at my home by an agent from Arrow Global an american company who i have never heard of or recieved any corrospondence from regarding a debt with Halifax bank (my old overdraft). He caught me off guard and i was unsure what to do so i told him the truth, im a single parent on benifits with two kids and i have no disposable income!!! JOY he left BUT....he came back again i answered as i thought it was my mum lol (silly me i know) telling me i needed to pay the £1500 patheticly low debt from 2004 within 48 hours. he also told me if i did not i would be taken to court and the proposed £5 disposable income i may have will be increased by the court by 75%.....so this is me getting confused now a court making you pay what you cant afford??. This agent who was at my door might i also add hadnt arranged to call and then decided to take a picture of my house (which i do not own i rent) and then tell me i would need to prove i lived alone to Arrow globel if i wished to set up a payment plan ???? is it just me or do they seem a bit of an odd debt recovery company. I was furious they took a picture of my house as im sure this is not allowed especially if i dont own it and the fact he had found out who i rented my house off by investigating me which has nothing to do with them, also he had finished talking he took out his phone and pressed something so im pretty damn sure he was recording me which yet again i doubt they can do!!! he gave me a card with there number on and a card with What happens if you dont pay on it! so now im stumped at what to do as the agent told me that if i set up a payment plan then i would have to pay £65 a month which i cannot afford and they will not accept a lower amount. please please help

Hey Everybody I've been lurking on this wonderful forum for a couple of months now reading up on as much as possible whilst familiarising myself with knowledge through the conversatoins being carried out here - phew. I'm kinda stuck now but here's where I'm at: I sent my SAR's letter mid December and received all my statements first week in January. I'm now in the middle of completing Mindzai's easy-to-follow spreadsheet and looking to claim contractual compound interest at 29.84%. I have a Royalties Premier account. I selected Minzai's contractual daily rate sheet as the correct spreadsheet for this but after having completed all cells, the calculations are telling me for the period from May 2004 until present charged at an interest daily rate of 0.07% (29.84% annually): Total Penalty Amount Total Compound Interest £1917 £719 Total Combined charge and interest £2,636 Is this right as it seems a little low in comparision to other people's calculations for contractual compound interest even though I'm only claiming for just over 2 and a half years. Could one of you lovely maestros of Mind's spreadsheet let me know if i'm on the right track!!! Also, the column that says Date Of Interest, do I insert the date the Interest charge was Withdrawn or do I insert the period of the date the Interest relates to: ie. INT TO 21 APR A/C £10.94 7 May 2004 (do I insert the date as 21 April OR 7 May???) Finally, the cell that says SCHEDULE OF CLAIM FOR CHARGES: FROM: is this supposed to be blank as I thought it would have automatically put the date of my very first charge or does it only do this if you complete the Charges & Interest spreadsheet? Sorry to ask such spastic questions but I promise, I have read through the FAQ's and pretty much all threads under RBOS for more info on filling out these spreadsheets but couldn't see anything relating. Thanks in anticiaption for your help! LOVE YOU GUYS AND GOOD LUCK!!!!!