My diary

[sjd67]

Re: My diary

Brilliant thanks so much you have no idea how happy you have just made me!

[ScabHunter]

Re: My diary

EDIT: Here on AAD we are always kind!

Thanks for the words of encouragement

Hi and welcome from me as well. You will always be respected and supported on this forum no matter what brought you here (unlike some others I could mention), it is part of the ethos of the entire site.

my Doctor has sent a letter saying that its having an adverse effect on.

Be VERY careful when sending letters at this stage, even if they are well intentioned. You only have to acknowledge the alleged debt in writing and those four years will be wiped out.

DROSSendales are bailiffs, aren't they? How did they come to get involved in this? It might be a good idea to give us a full history of what has happened so far, insofar as you can.

SH

[Never-In-Doubt]

Re: My diary

it's going to be

I'll confirm later but don't worry - you'll be fine. Try and avoid all contact with them for now.....

[sjd67]

Re: My diary

Thanks for the words of encouragement, even my Doctor has sent a letter saying that its having an adverse effect on. A few others have written debts off and been quite helpful amazingly. Feel a bit better just being on here and getting some decent advice

[sjd67]

Re: My diary

I made some reduced payments to various debt collectors but havent paid anything for about 4 years now. Have had various debt collectors chasing me. I have sent Niddy my agreement that I was eventually sent. Also told them that I didnt get the copy of terms and conditions the same as Harrison vs Link Financial.

[sjd67]

My first post so please be kind. I have had this passed around about 7 or 8 debt collectors. Due to divorce ill health I have lost most of them. I have uploaded the letters I have and am struggling to cope.

Credit Card

MBNA

Balance £20,500

Taken out November 1996

Not making payment

Last paid in full January 2006

Being chased by DCA

25/09/09 CCA Request sent to Arrow
Various letetrs from, Arrow, Fredrickson, Robinson Way recieved
8/10/12 Letter off Rossendales insisting I pay £10 per month
10/10/12 Sent letter to Rossendales asking for debt to be written off due to financial hardship
12/10/12 2 letters off Rossendales confirming acceptance of agreement to pay £10, that I never agreed
15/10/12 Letter sent to Rossendales and Arrow advising them of unenforceability
22/10/12 Letter off Rossendales advising they are contacting their client with regard to my query and account is on hold
14/01/13 Same letter as one from 22/10 received today
15/2/13 Letter off Equidebt for Co Op debt of £12,883.97
16/2/13 Sent template letter prescribed terms missing to Equidebt