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Found 4 results

  1. Dear All First of all, thank God for Forums like this and people who care enought to devote precious time to assist others in debt. A Debt collection firm, issued a claim, the progress of which was halted by a CCA request. It has finally come back, after a year following request, with what appears to be a copy of a signed agreement and t&cs and statement of account. Amount seeking is over £3,150. Can't claim time barred, owing to previous payments. They say they can proceed to seeking judgment unless payment arrangement is set up. They trade u
  2. I was having difficulty with my debts which are around £12K. I am on benefit, and so I foned up Debt Free Direct to see what they could do. I am very upset that all they could offer me was an IVA - 7 years paying £130 a month. Naturally I had to sign up because I was getting constant harassment of one of my creditors Halifax who kept foning me up every day demanding money I didn't have. I am now wondering if the IVA really was the right solution; they didnt offer me a Debt Relief Order which is what I would have prefered. Is there anything I can do besides letting the
  3. Finally got sick of the "best day to pay" messages sent the "stop" message which is given in the text message. This was done last weekend today, low and behold, another message comes through! I will be making a formal complaint to the Information Commissioners Office regarding the fact they have breached the request to stop messages. I've attached the screenshots of the stop request and message received in breach of the request. Will be interesting to see what Brighthouse say about this as it's a complaint they won't be able to handle, only respond to
  4. I need help cpr practice direction 16 defending statement. Have until Friday to comply with CPR 16.5 and CPR 3.4 -2 Do not know how to post a thread
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