I find this totally amusing. About a two weeks ago I sent further letters to my Creditors, one of whom is Nat West Bank, the following week I get a knock on the door from two local police. I had no idea why they were calling but eventually they said Nat West had contacted them and asked them to visit. Why, you may ask. Well, in the letter I said that the debt was making me feel so stressed, depressed, etc., that I felt suicidal. After chatting with the police for a couple of minutes, they left; as they went through the gate I said: 'See you next week then when you come back to check I'm still alive'. I should say I have been paying £1 per month on a regular basis to each of my Creditors for the last year or so. The letter was an update on my situation, and I have to say that of the two banks I owe money to Nat West have been the worst and most aggressive in their approach. Still, I was able to see the funny side of this. I should point out that I am definitely NOT suicidal, I am just fighting their way, by giving them something to think about in return for their aggressive stance. For those interested, or having similar problems, here is the guts of the letter I sent, please note that this was the first time I asked them to consider righting the debt off; but doubt they will - worth a try though. Also, the debt charity StepChange have been very helpful to me, as has this forum. Fight on folks! -------------------------------------------------------- Dear Sir/Madam I am in financial difficulties and not able to meet my normal monthly payments. I will make a monthly payment of whatever I can afford until more money is available. I have enclosed my monthly budget and a list of creditors. After paying my household bills, I can pay you £1.00. I will pay this each month and tell you when my circumstances change. Please consider reducing or stopping interest or any other charges on my account to help me during my financial difficulties. NOTE: I have a long history of depression and am currently taking medication for this. The stress of all this is causing much distress, depression and panic attacks, leaving me feeling suicidal. Please be advised that I will only communicate with you in writing. Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc., (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. Yours faithfully

Hi I am a Newbie to this I have had a long ongoing battle with HFO Services/Hfo Capital for over 13 years over a car I had on finance with Welcome Finance which was taken back by Welcome. I have today received a letter from HFO Capital demanding payment or they will carry our enforcement action etc etc. having not heard from them for over 12 months prior to this letter. This debt went to court over 7 years ago before I had found out about CCAs etc as if I had sent them a CCA request this would have not got to court in the first place and I was paying the judgment off by a monthly payment. the judgment is just about paid off now but the letter I received today shows a balance outstanding of almost twice the original judgment amount. I thought HFO Capital / Turnbull Rutherford have lost their licence to trade according to news items and threads on here. Can somebody help shed some light on this. as this is stopping me getting on with my life having to have my home and other assets in others names to try to stop them getting charging orders etc as they tried a few years ago and got an intrim C/O on my previous home as the house was in both mine and ny partners names my partner appealed to the court and the charging order was removed by the court I really don't wanto go through this again all I want is closure on this. Pleease Help!!