It looks like that the main energy companies are to refund if account in credit by about £5 or more and if you pay by direct debit.

To date, my Gas it just over £300 in credit and my electric £200 in credit, but our quarterly bills are actually due next week.

So with that,...

Hi there,

Im hoping you can help me with an ongoing debt i have had since 2003.

I stupidly signed for a Credit Card in a Halifax in Feb 2003.

I did not have a formal chat with a Halifax Representative i simply was asked would you like a credit card and the downward...

Hi Chaps,

In need of a bit of advice/guidance, got a defaulted credit card on my file which drops off the file early Dec 13. its been passed around all the usual DCA's latterly with 1st Credit. Never acknowleged any letters or made any payment. 1st Credit seem to have rather active by sending...

Type of account = Credit Card


Date commenced = January 2006


Approx balance = £10k


Date last paid = 15th January 2008


Are you on arrangement or not paying = Not paying


Status (default/in arrears/up-to-date)...

Hi folks, thanks for All the nice welcomes.

We have received a Statutory Demand from bw legal acting on behalf of Lowels who are chasing an old debt with Capital One for £4000.00. The SD was hand delivered to a Tennant at a house we own but have not lived in since 2009 it was delivered...

Morning all,

I know a lot of you have spare time on your hands and wonder if you can help me out with a little project?

Basically someone very dear to me has been shit on by Mortimer Clarke Legal (MCL) and as a result I am looking for links from the webby for any similar cases...

Well after reading all about UE, & reading your diaries I've decided to take the plunge & try my luck to see if any of my debts are unenforcable

I'd like to give you a bit of background to my journey.
We have a fair bit of debt (22.5K + 12.5K IN CCJ'S) made up of unsecured...

got a letter from 1st credit today, the debt will be statute barred in november , could i have your thoughts wether to send CCA request or ignore

letter as follows

Dear sir / madam

LEGAL PROCEEDINGS

Client lloyds tsb
Debt £11, 467.35
Client...