What do I do if they turn up? is it likely that they will?

Hi just wondering if I can get a bit of advice as I've no idea where to start. I stupidly took out several loans with lending stream to which I've buried my head in the sand and ignored paying for about 12 months, theses have been handed over to CRS. CRS have sent several txt messages yesterday saying they will be sending their 'field agents' Scotcall out in the next 5 days, what's the likely hood of them actually turning up? I want to get this sorted and offer a monthly repayment, whats the best way of dealing with this? Email? letter? and do I speak to Lending Stream or CRS. Any help would be greatly appreciated, I'm actually terrified of them turning up at home. Many Thanks

Very late reply, will dig out statements. Thanks

Hi, this debt has now been passed to a debt collection agency called Frederickson Internation, amd ive received a 'letter before action'. What do i do now? Ive read on a similar post about claiming charges back of them, is there a template letter for this? Ive stupid been ignoring this hoping it would go away, so any help would be grately appreciated, im in a bit of a panic now and dont know what to do next. Many thanks. K

Never looked into Cra file, should I? Where do I start with ppi and charges? Thanks

Ok, to cut a very long story short and ignoring my 2 earlier posts. The story is as above, over 12 months ago id requested a copy of my credit agreement which they supplied but it isnt signed by me, had a letter of them stating that even though there is no signature its still enforcable. this was July 2010 and then I heard nothing until july this year when they started chasing the debt, so i sent another CCA request to start the ball rolling again. I recieved a letter yesterday stating that they wouldnt provide another copy of my credit agreement. Im stuck as to what to do next with them. Mnay thanks

Hi, sorry to but in, but im having similar problems with Simply Be/Reliable collections. 12 months ago i requested my CCA, to which they returned an unsigned credit agreement stating in a seperate letter that even though my agreement is unsigned by myself its still valid. Then no further contact from them for 12 months, i sent a further CCA request to start the process off again and have just recieved a letter that basically says they wont provide a further copy because theyve already sent one. I dont know what to do next with this, any help would be much appreciated.

Many Thanks, do you know if there is any template letters on this one?

Hi, Im just starting on the path of sorting my stupidly acquired Payday loans out. Is there a template letter to send my creditors, is it beeter to deal with them via post or email. Many Thanks :0)

I have recived a letter from Reliable stating ' we have made an appointment to contact you at your home on Wednesday between 7pm and 9pm.' What the likelyhood they'll turn up? there's no specified date on the letter, and was dated 29th June so one Wednesday has already passed. Many Thanks.

This is part of their letter that im most intrigued by. 'when responding to a section 78 request, a lender does not have to provide a photocopy or other literal copy of the executed agreement nor provide a copy bearing or some other proof of the customers actual signature' Is this true?

Hi Iam in the same situation as you are, with Realible/Simply be. I have just received their version of my contract which looks just the same as yours, (ie. no signature) and a garbled letter that states they dont have to provide a signed contract and they can ring me whenever they like, and its not classed as harrasement. I am just about to send the second letter off. Glad to know im not the only one.

Hi Im having the same, problem, I offered to set up a payment plan with BT but they just refused and Ive been passed through several debt collection agencies and today have got a letter threatening proceedings at Dudley Court, the problem is I just dont know where to start with it, any ideas. Many thanks xx

I received a letter from Lowells last week stating that Egg could not find a copy of the credit agreement (i knew i never signed one) and that would be the last i heard from them, it if Egg did manage to find they would be in contact and would i like to settle for the reduced amount as before, yeah as if!! karenxx

Just to update this Ive not heard a peepfrom either Next or any other DCA since my last post. Karenxx