Ok will sort it asap thankyou again

Hi no never got any letters so I'm ashamed to say I just left it but with this car thing it's shook me up a bit again. I thought because they'd got a money order at the time of repossession they could enforce it without going back to court so that's a relief. Maybe they are just a tracing company and I'll get a letter shortly I've also been contacted by mackenzie hall through email. Thanks for your reply it really helps.

Hi just an update I have still yet to receive any response but yesterday noticed a car park outside and the passenger was looking at my car on the drive and seemed to be writing down the reg. I am so concerned that they are now getting ready to send a bailiff in that I've hardly slept. Are they likely to send the bailiffs in without any warning as there was a money order attached to the repossession. Thanks for your help.

I wrote to the dlc and heard nothing till today when I received a letter from Scotcall asking for £40.000 otherwise they'll send a field agent round !!

7th jan

I am so cross still had nothing back except another letter from dlc saying as ive not responded they may now consider sending someone round. We really don't need this just lost my mother in law suddenly so have enough on

Still not received a response to sar but had another letter from DLC offering to half the debt to 20.000 any next steps now please thankyou

Don't be surprised if this is passed on to another DCA this has happened to me several times

I have received another letter from dlc offering a £10 monthly payment ive still not heard from capstone but almost want to start paying it just so I can sleep at night. Would this jeopardise any claim for charges etc being refunded. Thanks again

Thanks Caro I shall do that

Anyone advise please

Hi So after sending a sar and not hearing anything yet I came home with a letter from dlc with regards to paying it back. They have said the usual contact now for a discount or to arrange a repayment plan what should my next step be please Thankyou

I am sure it does they average it out per week so your payments should reduce by 2/7ths per week approximately

This is not acceptable regardless of the autism. Your wifes school has a duty of care towards her and she has a right to a safe working environment. In the authority I work we have to record on quite a complex form any incident like you are describing. We have had pupils suspended for less I know it sounds harsh but this sometimes is the only way for the child to get the correct support from outsides agencies. I hope your wife is ok.

Thankyou Ell-enn I do appreciate your help just gutted that even after losing the house I'm still suffering even more

Thankyou will get it done monday would this stop all action whilst its being processed

Thankyou I will do as I have received no details in writing regarding the sale etc when I took this mortgage out I'm sure that the broker said I would have to pay an insurance premium to protect the mortgage company if ever I got repossessed. Do you know what this might be called on the initial paperwork. I also remember paying quite a hefty comission fee what could I reclaim back please. Another question sorry do you think they would accept £100 a month, should I offer anything yet I really don't want a ccj or bankruptcy etc

Any support please

Happy new year ! I have today received a letter from acenden saying I owe then £40000 shortfall and they will take legal action if I don't contact them. What shall I do now? Incidently this falls off my credit file on monday are they allowed to re enter it if they obtain a ccj. Another question please I'm getting re married in April, my husband has his own property everything in his name I want to be sure he won't be liable in any way thanks for your continued support.

hsbc passed it on a good while ago it's only recently become statute barred. I tried to claim charges back etc but received a flat no as they had no records. I am just pleased it's done with now. Thanks to everyone who supported with their advice.

hi I've received an email saying that current accounts are not subject to sar thing as only 2% of this alleged debt is a current account the rest is a loan and they put them together. However the good thing is after telling them that I'm going to the fos for harassment as this is now statute barred they have emailed me saying they have returned it to hsbc as yes it is statute barred and they cannot locate the original documentation so their files are now closed and they will not contact me again. They do however do not accept they were harassing me and the debt still remains due :)

hi got another letter today threatening doorstop collection or ccj despite having written to them re: my other posts what shall I do now please really don't want them knocking at the door my fiance will be so upset thankyou

indeed dx

Thankyou I shall get the sb letter off should I enclose a copy of the hsbc letter and email or let them do their own digging

hi just started receiving letters again had one from paceforward last week ignored it then today one from Rockwell. I have written confirmation from hsbc that they hold no paperwork and also the last payment date being June 2007 what should my next course of action. Rockwell are asking for income and expenditure details . Thankyou