my guess would be they were phoning to beg you to pay something if they had replied to your CCA request it would be in writing. they probably called to try and bluff there way out of fulfilling cca request maybe say something like we have sent you it ,should be wth you any day but to stop legal action you need to pay today in hope you pay and restart SB clock. would probably wok on those ho have no idea they have rights

if you want to stop the calls just send them a letter saying you will only deal with them in writing, if they do phone dont answer verificatiion questions, say in writing please and simply hang up. its not a good idea to speak to them on the phone anyway and best to have it all in wiritng (keep all letters they send you). if they still call after you have asked them not to record date/time and make a complaint as its harrassment. it is a priority debt tho so do arrange to make payments at an affordable sustainable rate.

just wanted to say about th bankruptcy option you may find your car is take as an asset in bankruptcy preceedings anyway, since your paying such a high amount on log book loan to avoid your car being taken thought this may be someting for you to be aware of. you really do need to find out exactly who you owe what to (all of it)how long ago you last paid to each particularly creditor, whatt type of debt e.g loan credit card etc. you need to contact the credit reference agencies you can do this online and see immediately what they have on your CRA file (equifax call credit and experian all do free trial so you can see what they have on file for you then cancel within 30 days to avoid paying membership fee) find out what creditors are on your file how much you owe etc. keep any letters from DCAs, it may be the case they are approching you for debt thats not even yours or statute barred. like debbsy says do not call them do not set up direct debits with them do everything in writing and if you pay direct from bank account use standing order not DD never give them your card number. if your paying debt collectors currently for any debts other than council tax rent/mortgage gas/electric then write let them know your circumstances and make token payment of £1 a month as realistic you cannot offord more based on what you have said of your iincome. you need to make paying council tax your priority, and first thing tomorrow i really do think you need to speak to someone about your benefits you have to be entitled to more than your getting. if you can get your income up it puts you in a better position to get council tax paid off.

have never been bankrupt, no idea! why do you want to declare yourself bankrupt tho? declaringyourself bankrupt wont help with the council tax bill, the log book loan get advice from the log book forum and see if they cant help with wiping it or at least reducing what you py back. Declaring yourself bankrupt is a very serious step. So far yo have only told us about these and rent arrears whats the rest, you say you owe about 30k. If you go banrupt you will find it difficult to get even a bank account. stop focussing on going banupt for now there may well be anoter wayout s no one else i actively persuing you for debt just now is that right? if they are pkease be specific the vague replies mke it difficult to offer advice have you checked your cra file yet? what if anything shows on there

Rent contact landlord in writing aking to arrangement a realistic and affordable repayment plan for rent. You rally do need to make sure your claiming all you can benefit wise. does your partner work? aand how old is your child? ae there any consumer debts you have probems with e.g credit/store cards/catalogue/loans other than log book loan

The lg book loan and council tax are specific types of debt, for these its best to go to specific forums for advice like dx says. Is there any other debts you get contact about?

Make a token payment of say a fiver to log book loan, save the other 45 towards council tax debt. You clearly wont have the full sum by end jan so you need to call council and agree to repay in installments, explain your circumstances fully you have already made the first payment to thjs frkm what ican tell so they should see yiur tryig to pay it. I also strongly recommend contactibg cab and speaking to them about your benefits to work out what you can claim as there is no way you can be expected to support a family on 200 per month

The other thing to think about is this, why are you agreeing to pay £200 per month on log book loan when it was orinially for 100 per month, you have been having trouble paying £100 per month or it wouldnt be with dca in first place so its just ludicrous your now paying double. Like dx says go on log book forum to get specific advice about that one. Now the council tax fine have you got all the paperwork relating to this? You may need specific advice about this as it isnt consumer debt but there must be something to do to get this on repyment plan. Speak to tax credit people again, explain your change in circumstances since last yr. Specifically what benefit are you getting? Certain benefits should automatically entitled you to tax credits. Sorry i dont mean to be nozey but just want to make sure your getting as much money in as your entitled to claim whilst you cant work. From what you said your getting buy on about 280 a month and this just doesn't seem right to me

If your not already getting child benefit claim that too and apply for housing and council tax benefit anyway you may not get full amount but if you get something it relieves pressure a bit

Have yu checkec your entitlement to tax credits? If you have children yiu will most likely get sonething

So just under 400 to pay council tax at end of month, does that include fine? Can you afford to pay this much? It is a priority debt so you do want to pay this one but if you cantafford to pay that biga lump some then negotiate to pay in installments. Log book k loan how much is outstanding? And what was the original payments?

P.s i notice you mention your currently on benefits, just wanted to make sure you have checked your entitlement for council tax/housing benefit. This will help keep your current council tax and rentfrom gettig arrears. You can work out repayments for already existing arrears once you know more.

Ok who is currently threatening to take you to court? Concentrate at the moment only on those who are actively contacting you. E.g if there are debts you have heard nothing of recently just forget it just now. Now those dca who are currently threatening court in all likelyhood wont do so, so try not to worry. Everysingle one of us in this forum will have recieved an abundance of letters threatening court action, i regularly get a letter from a particular dca for an 02 account i had in 2001 in Scotland debts are SB after 5 yrsso this particular one is now thru 2 5yr periods its only about 50 quid and i could easily pay it but on principal i dont (the bill went unpaid due to genuine billing dispute at end of contract term) its now sb twice over theyhreaten cou still but actually its legally unenforceable so would be laughed out of courtif they tried. I ignore those letters entirely.

Is the court fne for council tax? What insurance wouldn't pay out on the car finance PPI or actual car insurance? Are the debts from when you were with your partner joint debts? And how many years ago? You need to be specific if you want help, whether that turns out be bankruptcy or another method youneed to know exactly how much you owe, to whom and for how long.

Yor debt is not likely to be as big as you think, in all likelyhood this size of debt has taken yrs to acrue and there are likely to be lotz of charges and interest to be reclaimed

What is court fine for? And when did you get it?

List them all, type of debt and amount to best of your knowledge. impossible to determine best course of action with no if informationon types and amounts. E.g if you have credit card debt now witha dca then its likely there are charges you can reclaim to reduce balance.

When there is a dispute they have to stop all collection activity whilst the dispute is resolved, pretty sure it cant be passed on to dca whilst account is in dispute. Send a letter to dca saying account is in dispute with funeral company the date you put the account in dispute and you will not be paying till the dispute is resolved. Get your sister to send them a letter saying correspondence should be in writing only, they should stop phoning. If they do call dont answer verification and dont engage in conversation just say in writing please and hang up. Do open teir letters. Contact funeral director again in writing about the dispute

Bankruptcy isnt necessarily the best option. First off how many debts do you have? And how much do you owe? And how long has it been since you paid anything?

Maybe a prove it letter from CaG library would be in order or alternatively ignore them entirely

OH and do not acknowledge the debt or make any payments tll you know its definitely your account, you know what the acount was for and how the outstanding balance is made up and also whe last payment was made

have you checked your credit file to see whats on there?

lol spoke to soon, letter from BCW arrived this morning......letter says "following your recent letter and the information supplied to you the account at this office has been placed on hold while we refer back to our client for further instructions. we will advise you further in due course. Please do not hesitate to contact us on XXXXXXXXXX or email s on general@bcw group" So anyone have an idea what the next move may be from BCW/Aktiv Kapital?

Have heard nothing from BCW or Aktiv Kapital since 10 January, not even the usual call to make arrangements to pay letter that arrives every other day. Hoping the maggots have disappeared into the woodwork now for good

I have no intention of calling them or bcw lol. Well i had this account when i was about 18/19yrs old circa 1999/2000 i have had numerous debt collection agencies contact me about this in my early 20s, i was bad with money then i just didnt have a clue. i can see from my online banking transactions that I paid 20 per month to aktiv kapital for at least 3yrs ending 2007 (as far back as i can see online banking). the account limit was only 240 by my calculations i paid Aktiv well over £600 no idea how much longer i may have been paying before then. at one point i had contact from several DCA at the same time persuing the debt. Should i just send a letter saying that since all they have sent me is the unsigned application form with my name and address filled in i dont consider it legally enforceable and wont be paying? i have asked them to only write and not call already and the daily harrassment calls have stopped but to be honest i dont want the letter moutain either. I am in scotland so it would be statute barred after 5 yrs.