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My full list of debts


jdmw21
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Here they are! all figures approximate..and in no particular order.. All unsecured debt.

 

£9000 personal loan -was with A&L- now passed to DCA global debt management.

 

£2300 citicard - now with DCA 1st credit.

 

£3100 RBS card -now DCA allied int credit

 

£3500 natwest overdraft- ongoing charges being occured - now DCA Triton

 

£800 Ge money - now cl finance/howard cohen - court proceedings started against me...(see other post)

 

£600 vanquis card - DCA moorcroft debt recovery ltd

 

£6000 barclays student loan- NOT passed to DCA as yet

 

£300 argos card - DCA incasso

 

£250 capital one card - DCA power to contact.

 

£2000 natwest CC NOT passed yet...

 

Approx £27,000

 

All these debts are unsecured. i have interest only mortgage on a shared ownership housing association property and have one teenage child...

 

I have spent days now reading throught this site and now im wondering if I should fight these debts via court process as one company has already started proceedings........

 

All of these debts have had charges included and my natwest accounts have ignored my letter to freeze interest/charges and are charging me in excess of £100 month :(.........

 

I really dont want to go for bankrupcy if possible..

 

Any advice welcome!

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If it was me in your position, then I would send CCA requests to all of them apart from overdrafts and bank accounts which aren't covered by the Consumer Credit Acts. You must be getting 50 calls a day from some of these....!!!

 

Make sure you write on your CCA requests, that all correspondence should be in writing and that any telephone calls made to you will be classed as harrassment and treated as such.

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Agree with 42 man.

 

have you tried to reclaim any bank charges on the bank accounts?

 

if not then you could always do that to try and reduce the amounts on them

 

ida x

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finally found this post! (im having a few problems with posting:oops:)

 

thankyou both. i will send cca's to all...

 

And yes, I am getting about 50 calls a day starting from 8am til sometimes 9pm :mad: It helps having caller ID tho, and a touchtone phone :)

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