Hi threadbare. I too found this site by "accident", but the information and advice given here has been invaluable! It feels so good to know you're not you're not the only one having problems; and also to have somewhere to go where you are not judged or prejudiced against simply for the decisions in life you make. I hope you'll feel very welcome here.

I have no water.

:D I'm gonna steal that to tell at work tomorrow!

Just when I thought all had gone quiet on the telephone harrassment, following my "conversation" with the woman on Friday; I have received a call from them at work today - dispite me telling them not to call me at work, as I cannot take personal calls at work, and them assuring me that my work number would be removed from their system! :mad: I politely but firmly told the woman (sure it was the same one, but I didn't get a name) that I cannot speak to her while I am work. She demanded to know when she could call before 5. I told her she couldn't as I don't finish work until after 5. Eventually I told her to call on Thursday when I would be at home; she replied that they would keep calling until they receive payment! Following the call, I received a text message, that came up as "Please Read". It said "Please call 01244870028. It is important I speak to you today." Stupidly, I deleted the message. I shall of course be sending the harrassment letter along with a letter of complaint to the OFT. :-x

Semi-Chem has a good offer on Cushelle (aka Charmin) loo roll - 12 rolls for £3! Bargin! Think it's the 9 roll + 3 free offer.

I'd love to read those letters! I've had dealings with DCAs before and have managed to get them to go away, but I've never had the volume of calls MBNA are making. I was relishing the thought of sending them the Harrassment letter, and have just found that I have run out of paper! Grr! Must go shopping tomorrow.

This is very sad news. I am only an occasional poster on here, but he has helped me in the past on a thread I posted regarding a DCA. My thoughts are with his family and friends (RL and cyber). RIP Rooster.

Yeah, the woman I tore strips off this morning kept saying "I want to help you if you would just give me two minutes of your time!" Ballhooks! Financial rapists :-D - that's funny! Might try that that next time they ring - which I'm sure they will. Phew, glad I posted now. Have spent all day feeling right miserable because of this. I'm much happier now. Thanks f_b_r_b_o_s!

That's a good idea - all of the calls are logged on my mobile - thankfully that's the only number they've got. I was getting calls at work, with them giving details to colleagues! But I soon got that stopped. I will certainly start a document on the lappy and copy down all the calls and times etc. I also wondered if anyone else has had experience of them calling from what shows up as a mobile number? Very sneaky of them, but I can see why they would do it, since many people won't answer a non-geographical number.

Over the last three days, I have had MBNA calling continuously. I had been getting several calls from them a day fromm their 08 number, but from Tuesday, they have started using mobile phone numbers. I missed a call on Tuesday and they called back 6 times in half an hour. This morning, the phone went at 8.15am - I was busy with my son, so ignored it. As soon as my phone went to voicemail, they called straight back, a total of four times in three minutes! When I answered the fifth call, I was certainly unimpressed and told the woman that under no circumstances was it acceptable to call so many times and that I have told them before that I will not deal with the matter over the phone and to contact me in writing. I then hung up. Guess what? She rang right back, so I rejected the call, she rang again a further 3 times! I have added the number to the auto-reject list on my phone, so I can still see when and how often they call, but they get put straight through to voicemail. Just thought I'd share my experience with MBNA harrassment.

Tixylix Pholcodine is no longer available to under 6's! WTF?

What an awesome idea! I'm moving house very soon and have a garage full of crap to get shot of! Who has an artic wagon they can get Up North?

Who the hell do you think you are...? Professor Dumbledore? Though, I will definately walk with you during World Cup season! :-D

On the first day, God created the dog and said: 'Sit all day by the door of your house and bark at anyone who comes in or walks past. For this, I will give you a life span of twenty years.' The dog said: 'That's a long time to be barking. How about only ten years and I'll give you back the other ten?' So God agreed. On the second day, God created the monkey and said: 'Entertain people, do tricks, and make them laugh. For this, I'll give you a twenty-year life span.' The monkey said: 'Monkey tricks for twenty years? That's a pretty long time to perform. How about I give you back ten like the Dog did?' And God agreed. On the third day, God created the cow and said: 'You must go into the field with the farmer all day long and suffer under the sun, have calves and give milk to support the farmer's family. For this, I will give you a life span of sixty years..' The cow said: 'That's kind of a tough life you want me to live for sixty years... How about twenty and I'll give back the other forty?' And God agreed again. On the fourth day, God created humans and said: 'Eat, sleep, play, marry and enjoy your life. For this, I'll give you twenty years.' But the human said: 'Only twenty years? Could you possibly give me my twenty, the forty the cow gave back, the ten the monkey gave back, and the ten the dog gave back; that makes eighty, okay?' 'Okay,' said God, 'You asked for it.' So that is why for our first twenty years we eat, sleep, play and enjoy ourselves. For the next forty years we slave in the sun to support our family. For the next ten years we do monkey tricks to entertain the grandchildren. And for the last ten years we sit on the front porch and bark at everyone.

MrShed, tried to call the number on the website, but goes through to an emergency repairs number (which is fair dos at this time on a Sunday night!) I'll give them a bell in the morning. Thanks ever so much for your help. It's good to know there's someone there! Cheers and enjoy the rest (or little) of your weekend. :)

That's what I thought. But thank you so much! I'm having a look at their site now. I'll post here how I get on. Really appreciate your help. You're a star!

Cheers MrShed! I always thought they only did west Cumbria, but will give it a look now and let you know. Thanks for taking an interest.

I'm in Carlisle. I have a son who is 3 yrs old. He's due to start school in September, which is why I'm so stressed about finding somewhere long term. I can't get a mortgage because I don't have the deposit and I don't think any bank would consider me because I don't work full time. I have applied to a housing association locally, but not heard anything back yet.

I don't have the funds myself, but at a push I could ask some of my family. My mother has agreed to be guarantor. I'm just panicking I guess; I have until mid March to find somewhere. I wouldn't qualify for social housing as I'm not legally homeless and have the means to rent privately.

Many thanks for the speedy responses. MrShed, your's was the one I dreaded the most (but also the one I expected). Priorityone, thank you too. I did speak to the agent and was honest (to the point of telling them that my credit score would be pants) and they did say they would contact the LL. Now I just have to wait. Thanks to both of you though. You have cleared up my query anyway. Oh one thing I did forget, I have a guarantor, the agency said that would help. Still not heard anything in a week though.

Dumb question, I know. Here's my situation... I'm a single mum who works 16hrs per week, therefore I receive Child & Working Tax Credits, as well as some help towards rent (at the moment, my HB is just over half my current rent, which is through a letting agent's). Unfortuantely, I've been served with a Section 21 notice (the reason given from the agents is that the LL has had a change of circumstances and need to move into the property themselves **sob** ). I really don't want to go :( Anyway, while I've been looking, both with agents and private LL's, I've noticed the "no DSS" condition and wondered exactly what does that cover? I specifically asked a private LL, who I'd contacted through a classified ad in my local paper, and he said it meant anyone claiming an unemployment benefit. Though when I asked an agent, they said it was anyone claiming HB. Sorry if this is a bit long and rambling, but need to know where I stand when it comes to finding somewhere. My little boy starts school in September and need to be settled before then.

Hi hotmamma. Have you written to them to arrange a payment plan? Have you had a look at the debt collection forum? There's loads of advice there on how to deal with these people. Don't be scared, there are people here who can help.

:lol: Requesting permission to copy and paste and send as e-mail/facebook status?

A chav walks into the Jobcentre and says to the guy at the counter, "I really want to find a job to turn my life around." The advisor is surprised, but says, "Well, it just so happens that I have had an employer to see me with a vacancy. The job is to be chauffer/bodyguard to a multi-millionaire's nymphomaniac twin daughters. You are required to escort them on nights out and overseas trips. The starting salary for this position is £250,000." The chav says, "Stop Sh***ing me!" The advisor says, "You started it!"

"When will they be able to afford a proper sheepskin rug?"