To late, he found cag rest in peace Lilly

Rory thanks for that just keep it to myself for now. its good to know building as i go well got to go and dry the dog off raining a lot in the sunny south.Dog thinks i spent to much time on cag i really should get out more well the dog think: so Best regards LILLY

Thanks Rory So a dn dated 24/11. to be paid by 8/12 which is 14 days after Oct 2006. Would the dn be invalid BEST REGARDS LILLY

I hope you are all well.i am still at the start, just putting things in place for the battles to come. On checking some old DN,s where can i find what should be allow in regards to number of days to put account in order, DNs issued early 2006 and late 2006. IE is it 14 clear days or not,also does that allow for postage. Best Regards lilly

Well done and if you where near i would buy you a pint. BR LW

sammy you are now with people who will help read as much as you can prepare as much as you can get the facts,look at other cases on this site, It is not the answers that you are looking fore, but the questions I have read so much on this site that give hope where there is hope there is a future be a asured that people on this site are well aware of who you dealing with and will be with you sorry its a bit long however i am sure that you have come to the right place regards

Thank you we have started the letters may i wish you a happy new year we will of course keep you updated regards lillywhite

Thank you for replying I had a credit card account with Halifax, Alliance & Leicester, Capital One and Lloyds & two loans. When my wife became ill & could not work I got behind with payments. I wrote to all my creditors with an income & expenditure spreadsheet & offered to pay what I could. They all accepted my offers; Halifax passed the account on to a company called Blair Oliver & Scott. My wife got better (thank God) but I lost two jobs in quick succession, we have kept to all the payment schedules & have managed to pay off some of the smaller debts, mortgage arrears & personal loans. Just before Christmas I received a letter from ….. Informing me that 1st Credit would be managing the account & I was asked to ring them A.S.A.P. This was a difficult phone call; they were very different to anything we had encountered before. They threatened to take me to court & put charging order against our house (our only asset) unless I paid in excess of £3,000 immediately (half the debt). They told me to borrow the money from friends. We have not claimed back any bank or credit card charges. We don’t want borrow any more money, we will pay our debts but we cannot manage large amounts. Thank you

Hi We have an issue with Halifax, which has been passed on to 1st Credit We have read many posts on this site and can see the outstanding work that has been done - but we need help. We presently have a voluntary DMP with all our creditors who have understood our position but out of the blue our arrangement with Halifax has been passed to 1st Credit – they don’t seem to want to negotiate. We have read as much as possible about this lot & we need to be prepared. please help