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Just to say hello & thanks to whoever created this site, I'm struggling under what feels like a mountain of debt and trying to do the right thing by slowly (and sporadically) paying it off - despite the best attempts of various debt collection companies & bailiffs to bully and harrass me!



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Hi strugglingbutcoping

Welcome to The Consumer Action Group.



I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.


Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.



Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.


It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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Hi struggl,


Have you had Penalty Charges added to any of your credit card accounts that that you could claim back with contractual interest?

Have you been mis-sold PPI that you could claim back with interest. You can claim these back of the last 6 years plus. Have you sent any CCA Requests?

If they can't provide a CCA you can put the account in dispute, it will also help you negotiate a settlement.

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