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  • #16
    Re: New and confused

    Originally posted by samsmum View Post
    PAYDAY LOAN
    07/2011
    £420
    DUE ON FRI 09/09/2011
    Do not pay this. Cancel the DD and ring your bank and say you've lost debit card. That generates a new one that they cannot touch.
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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    • #17
      Re: New and confused

      Thanks.Have already set up a new bank account and moved our priority bills over. Pooing myself about friday but weirdly excited to be taking some control as well

      Comment

      • #18
        Re: New and confused

        It is a good feeling indeed to take control of the situation. Well done on moving your bank account over, an important first step.

        Comment

        • #19
          Re: New and confused

          No pooing, you'll be fine, these payday companies shout a lot but they are still just unsecured creditors and are treated the same as everyone else. As long as you've cancelled you're old debit card they can't do much but scream, then you should try to set up an agreeable and manageable payment to them, co-incidently I've seen cases where CCCS pay them off first to get rid.

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          • #20
            Re: New and confused

            Do i just tight now and wait to hear from everyone? Not heard from anyone that was on the dmp yet. Reliable collections send me a nice letter most days(and charge me for the priveledge)saying i'm ignoring them despite the fact i've set up a standing order and written to them explaining i'm long term sick. Feel like i should be doing something but not sure what

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            • #21
              Re: New and confused

              Just ignore things until they send a CCA Request - don't worry, you'll be fine....
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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              • #22
                Re: New and confused

                Sorry if i appear very naive. All new to me this but learning a little bit every day with the help of you guys. Is that something i have to ask my creditors for or will they send it?

                Comment

                • #23
                  Re: New and confused

                  Oh sorry, have you not sent £1 plus the cca request? If not you should do so. I2D will be along shortly and clarify as I'm out at moment..... I can't link to things on phone ;(
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                  Comment

                  • #24
                    Re: New and confused

                    Or am I getting confused and you're not doing ue? Sorry am out and about on phone. Back on pc soon.
                    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                    Comment

                    • #25
                      Re: New and confused

                      No not done that. I'll wait to hear more. Thanks again. Really appreciate all the help and advice

                      Comment

                      • #26
                        Re: New and confused

                        Originally posted by samsmum View Post
                        Sorry if i appear very naive. All new to me this but learning a little bit every day with the help of you guys. Is that something i have to ask my creditors for or will they send it?
                        Sorry I thought you had done the CCA request

                        ---> CCA Request
                        Last edited by AAD-LinkEditor; 3 January 2012, 02:38. Reason: Link replacement
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                        • #27
                          Re: New and confused

                          Just received letters saying the 2 MBNA accounts have been passed onto Debt Clear Recoveries and Investigations.Says to contact them but that they will not be charging any fees or interest.Also received one from Reliable Collections re Simply Be and Ambrose Wilson wanting me to fill in an income and expenditure form and they will continue to charge until i do this. Do i just ignore them all still please?

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                          • #28
                            Re: New and confused

                            Think you need to chat with Niddy, to see which route you want to take, he will be back later
                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                            • #29
                              Re: New and confused

                              OK. Will do thanks

                              Comment

                              • #30
                                Re: New and confused

                                Hi samsmum,

                                I would not consider filling any I & E form for anyone at all unless ordered to do so by a court of law depending on the route you wish to take. Only a court can order this and any information I was ordered to supply would go via the court. They have no entitlement to this at all. Makes me mad when they demand these things. However as I2D says lets se what Niddy has to say first.

                                regards
                                Garlok

                                Comment

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