I am new here and not long ago i was declared bankrupt. I therefore sent all my debt letters to The Insolvency Service In gloucester. I keep getting letters from these companies asking for money. I was told by the insolvency service not to reply to any of these letters but i am not quite what to do as they keep demanding money from me and say that they will take me to court etc. Please Help Alex

hi there i was wondering if there was anyone out there who would be able to help me with a car i brought from concept car credit back in april last year. when i purchused the vehicle it was fine untill i took it to a garage and they said that there where several things wrong with the vehicle. ive been back to concept car credit about these problems and they keep fobbing me off. what do i do?? they aint helping me fix the problems that where there with the vehicle when i brought it? any suggestions? Alex

Thank you for the letter! I am sending it off now as we speak! Many Thanks Alex

Does everyone here agree that this letter is the right thing to do?

hi guys I recently wrote to Aktiv Kapital UK LTD saying the following:- Dear Sir/Madam Re:− Account/Reference Number ******** With reference to the above agreement, I would be grateful if you would send us a copy of this credit agreement. I understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. I understand a copy of our credit agreement should be supplied within 12 working days. I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. We look forward to hearing from you. Yours faithfully They wrote back to me and said that i needed to send the satatutory fee of £1.00 so they can comply with my request. I am going to do that today but they also said in the letter they purchused the debt balance and have the right to collect the balance. They say that they have no obligation to provide me a copy of this agreement. They said also that they have no reason why our debt collection activites against me should be suspended. They say that they are the legal owners of the account and it is my liability is now to us in respect of repaying the outstanding balance that was purchused by this group of companies. So what do i do? Is there any letter i should write back to them with the £1 fee? Help URGENTLY!!! Alex

All it says is that the client is Hillesden Securities Ltd, the court was Hereford??? and the claim no. is 4XL46894 and the balance outstanding is £1,164.84. They say that i have failed to make a payment to this CCJ! Thats all the information i have in front of me. They are going to apply for an attachment of earnings order against me? Is there any way i can find out about this CCJ??

what is a DCA? I have no idea what you are on about?

I dont know? How do i find out?

I dont know anything about this debt. Please Help? Is there any letter templetes or anything where i can write to this company and explain

I have never actually paid them any money as far as i can remember. What do i do?

Hi there Ive just got a letter from Moorcroft Debt Recovery Limited - Pre-court Division, saying that i owe money to NWIS home Insurance. They say that they sent a notice of intended litigation. What do i do? Alex

hi there Ive just got a letter from Aplins Solicitors saying that i have failed to make a payment under a CCJ with Hillesden Securities Ltd and that they are applying for an Attachment of Earning Order against me. Please advise. Alex

i dont have £250 - £300 available at the moment to get the clutch done, thats why i thought i use the insurance to pay for it, but it might come down as a wearable item!!

what do you mean?

so how do i find out whos right and whos wrong?