Hi


I have debts totalling approx 49K, comprising 6 credit cards and a Bank account with a large debit balance. I have been making regular repayments until recently via a DMP with Payplan. I have now retired on a modest pension, so that my income has fallen by an amount approximately...

Been getting calls from CCS Colect. Have no current knowledge of them or who they act for.

Strange thing is, they keep ringing the business fax number, where they got that from i dont know.

Has anyone heard of these guys and who they usually act for?

I've been having PC probs since yesterday
(On the XP PRO drive)
Started with lagging when typing into text areas, then on desktop if I clicked one icon the others in the row were rapidly highlighting in sequence. Hmmm.
I changed the batteries on my wireless mouse & kbd and...

Hi there,

Requesting your assistance urgently...

I recently landed myself in trouble... I bought a car last year around and insured it with the R.A.C, I registered my details to an address where I was living at the time. I then had a car accident in November and the car...

Right then.
Now Niddy please don't shout at me
If you have a debt that is with a DCA and you pay them, but they don't pass that money on to the owners of the debt and this went on for 6 years would that then make the debt UE.
I was reading this on another site by one of my...

hi just wondering if you change your name via a change of name deed [which i have used before] or via deed poll would the passport office or dvla inform the dca ie experian as they are now working with the goverment just a thought

Long story, will try to keep it short!

Due to my separation 3 years ago I had to go onto a DMP as all CC were in my sole name and due to having to find somewhere to live etc I hadn't got enough income to pay the min payments. Plus MBNA increased the APR from 0% to 33.9%

I...

Two credit card debts, defaulted in 2005, potentially both unenforceable. Both gone through to CCJ, one to a charging order. Charging order has been repaid, the other is an outstanding CCJ from 2008.

Assuming for a minute that they were both proven unenforceable, what could be done ?...

Hi,

My husband was made Bankrupt in May 2009, discharged a year later. We have recently received a letter from CCS Collect regarding a debt that they have from Capquest relating to a T-Mobile account from June 2008 which defaulted in September 2008. (long story dtr been given money for...

Hello marling and Welcome, I am sure you will find the help you need, if we can kindly ask you to check through the following links to get used to the surroundings first:-

• Forum Rules and Guidelines
• User Help Guides
• To all the Newbies

We don't bite, Help will be on...

Here Goes!!

Lloyds visa credit card – Credit Security - pre 2007
Balance - £2874 defaulted Jan 2009
August 2011 - Sent CCA Request
Sept 2011 CCA received -
Blagging it for time - Sent CCA Query - Missing Prescribed Terms
Dec 2011 – New DCA – Moorcroft...

Just joined this interesting site on a recommendation.

I have 6 credit cards with rather over £50,000 on them in total. Right now all are up to date but I don't know if I can keep this up. 2 cards are current and usable; 2 were taken out since April 2007; 1 was taken out in 2002 and 1...

Hi, new to this but here goes, starting out on our UE journey, background is we were fed-up of robbing peter to pay paul as our debts became unmanageable, and struggling to pay minimum payments, we sought help from CCCS and was advised to go down the DMP route, however we then found this site with the...

I read other post from What2donext and somewhere it said because he take UE route then he should stop all payments and ask for CCAs. I pay £1 per month to my CCs and so should I stop these payments? I am now worried in case this spoils my UE route? Thanks

I read other post about this idea and wanted to add my view. I am sorry if this is repeating but wanted to get this off my chest.

I had decent business and things were okay. Banks and credit cards throwing money at me and yes I was stupid to get too much but that is now history. I then...