I used to work for Welcome years ago (and hated every minute of it), and I can tell you that this guy is hassling you because he has his "deliquent" account target to meet. If you have never missed a payment before (unless things have changed), he should be able to defer your payment.It doesn't go on your credit file, and he stops hassling you. Oh forget the serious consequences, he is talking bollocks. They can't take legal action for one missed payment.

I received a ticket from these clowns back in January. I have had several letters (maybe 4 or 5?), threatening me with allsorts,including baillifs coming over Hadrian's wall....:shock::D Best to ignore, and do not waste ink,paper,your saliva in licking envelopes, or shoe leather to the post office, or any money phoning them.. I have ignored, and all has gone quiet for months now. I kept the letters and occasionally bring them out the drawer to laugh at when I am having a "down day"

The CAB will go through all this with you, but if the house is not in your name,title deeds or mortgage wise,then going for LILA will not affect the house. It is £100 fee for LILA but you can save that up,but you need to have done that before you can make the application. Obviously I can only go on what you have said here,but LILA does seem the best option. The only tiny problem is that the bank that you have the joint overdraft with, can pursue your husband. Some will just write it off though, cos it may just not be worth the hassle for them. Please do NOT consider killing yourself.It is ONLY money, and you will get through this. And remember, even rich people can't take their cash to the next world, so we all end up the same way,potless.:D

Just seen this This may be helpful for you Money Advice Trust - Debt and Mental Health Resources

Can I just say that MBNA talk a lot of crap.I had one client that owed them 17 GRAND and they refused to take him to court. He is in Scotland, and was waiting for Court Action to prove his apparent insolvency for bankruptcy. They wouldn't do it. Eventually he got ****ed off and signed a Trust Deed for peace. MBNA never replied. THis is just one case, and I won't say that MBNA won't take people to court,cos they might.However they seem to bump their gums a lot and do sod all.

Have you considered bank/caring/support work? My Dh is going into his 2nd year, and he takes shifts that suit him around his studies.It pays anything between £6.50-£11 per hour, and you don't pay tax as you are a student.

Can I just say that I have defended such actions in the Sheriff Court, and the Default notice plus the LBA, while relevent doesn't really mean much in a Court. If they produce any computer produced copy of alleged default notice,that will unforuntately satisfy a Sheriff Have you asked for a copy of your agreement under S77-79 of the CCA by sending a pound? If Hillsenden Securities cannot produce original copy of CCA (and as above poster did say they need Deed of Assignment), they are basically ****ed. Once you have checked s77-79 of CCA, you look at S61 and then S127. Now the new CCa was reformed in March 2006. All this did was change 127 slightly where 127 could not be enforced which was changed to court discretion. However if you give a lot of legalese, you will find that a lot of pursuing lawyers and Sheriffs are up there for an easy time, and money for old rope, and even thought they are solicitors and Sherrifs, they cannot be bothered with hassle. This is because they do not expect defendants to turn up in court, and expect to get decrees without arguments. If you turn up and start quoting CCA to them, they go purple, and either ask for a chance to speak with their client, or ask for a dismissal without expenses. I got the latter for being an apparent smart arse It is sometimes worthwhile speaking to the solicitor before the court, and he may appear for both of you and ask the case to be dismissed. However if it is a small claim, I would check if your local court has an In court advice service, or check with Trading Standards, as they usually have a person who deals with small claims, or your local Money Matters in your Local Authority or CAB, all have been trained in Court stuff. *please excuse spelling ,I am very tired*

Have you sent for a copy of your credit agreement as per s77-79 of CCA 1974 ? Do they actually have a credit agreement? And also have you asked for your documents from Studio by sending £10 under the DPA for all your account history and Payment history? If you are sure you have paid this debt,it may be worthwhile asking for your records under the DPA.It is not up to you to prove that you do not owe this money,but for them to prove you do. And if you have a dispute with Studio cards,this can be marked on your CRF files as under dispute and they should not pursue you,or risk being reported to the OFT under Debt Collection guidance. Before I did what I do now,I used to work for the finance industry for a major bank (0ne of the top 5) and on CRF files we took fook all notice of Mail Order files,cos they were always flawed and out of synch, as long as everything else was ok. HTH

It may also be helpful (if you can afford it) to get your own valuation figure.Did your Trustee get it properly valued or did they use a desktop or "driveby" valuation? As Dipply says, the equity "must be seen" to come form a 3rd party.That settles the terms of a Trust Deed.Some IP's are quite happy for it to come from someone elses' bank account,if you catch my drift............ If not pm me.

And Diamond v Lowell

Section 61 and 127 of the CCA are your defence in court. S61 (1) (a to c)-requirement to provdie documnet containg prescribed terms, requirement for signature of both debtor/creditor and their representative. S127 (3) instructs the court to make no enforcement order unless a document containing all the prescribed terms was signed by the creditor/debtor. I have defended (as a lay person) using this and been successful

If you can get it- half the staff hardly get their mobile nos, let alone Customers....... Sit there like tin pots gods in their Ivory Towers.

If you believe you were missold the Insurance- there are stages that you can through.Now I am not 100% sure of the process, but I believe you can complain to the company (compliance), and then to the Insurance Ombudsman-there may be stages in between but the Ombudsman site should tell you exact procedure. Since about Jan/Feb 2005, anyone selling Insurnace has got to go through certain processes (as individuals are now liable in law for this)- so its maybe a bit more difficult to pursue your case- dunno. thinks yours was before this, if I read correctly?

No but used to a few years back-and am a disgruntled ex employee.......... . So if I can help, I will.Always go to their Compliance Department, letters to there used to affect the Branches bonus (dont know if thats the case now)

If you wish to contact Welcome Finance-go to their Head Office, never the Branches, and certainly not a Customer Account Manager who has absolutely no authority to do anything. Head Office address is; Welcome Financial Services Ltd Head Office Tel: 0115 9849200 Mere Wy Ruddington Fields Bsns Pk, Ruddington, Nottingham NG11 6NZ