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  1. Good afternoon all, I was employed as a contractor with a small company. They advanced me my fee in advance of work carried out and then cancelled the contract and asked me to pay back the advance. I had already used the money for urgent matters but undertook to repay them asap. They gave me a piece of paper with a date to pay back by which I agreed to as at the time I felt this would be enough time. Unfortunately things did not improve for me and despite my communicated intention to pay the debt back they have not accepted my situation and are going to take action
  2. Only for £80 which is nothing compared to some on this forum, but just wanted to share my personal *win* with knowledge and foresight provided by this site For some time i had a Citi/Opus credit card and kept it in a manageable level. At around May 2012 I left my family home at the start of a very bitter divorce proceedings. The details are unimportant other than at the same time to this I thought I had paid off the Credit Card completely and even destroyed it. Unfortunately due to the bitter divorce, letters that Opus had been sending me were not passed on (destroyed?) b
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