The whole family should be they are all involved in it one way or another, sisters, aunts, uncles, sons and daughters and the others who just changed the name are as bad as they knew exactly what was going on

Bluestone Claims of Stockport I believe is also part of this disgraceful lot. They were also talking about FSF and the rest on Moneybox on Radio 4 this lunch time. Administrators said they have a lot to go through re the trading of FSF and the rest. DG

I agree, they have ruined so many lives. As with most of these type of people they squirrel the money away and presto they get on a plane and get lost. Her hubby has been bankrupt before and I understand everything is in her name so its possible she could end up going the same way, money probably in the kids or family name so nobody can get it DG

It appears that they have oft it to Spain. Looks like none of the staff are going to get a penny either. Im sure that all the bosses involved will have made sure they have money in the bank thats the type of people they are. DG

Debt Help and Advise aka First Step Finance and other associated companies have finally gone into Administration all staff have lost their jobs. Dont pay any more money to any of them and make sure your d/d, s/o etc are cancelled as no money will go to any creditor DG

Hi well done PCB. Glad you got it sorted before the previous employees took it over. So many people have paid so much over the years that company started and still find themselves in a mess because of them. Again, well done to you. DG xxxxxxxxx:-o

Hi all not been on for the forum for a while, ill health, work and now I have a grandson. FSF do not destroy your details, the only things they destroy are the debt collector letters that is when they tell you to send them in which is not very often. They cannot destroy your information and when they tell you they have they are lying. They have paper files as well as the details which they have on their pc's. They are also well known for treating their staff the same way they treat their clients. If they are going it can't be anything but good for all. My friends are still in debt thanks to FSF up I managed to get the creditors to agree to payments from them. Joining FSF was the worst thing they ever did. I do hope that all goes well for all concerned who are trying to get money back from them. DG

It is about time this company was held to account. Management lining their own pockets first before clients, disgusting DG

Same company I get letters/statements from them with the Outsourcing name just another part of link DG

Very well done Toff shows persistance pays off DG

Good luck, keep my fingers crossed for you. Link have left me alone for quite sometime now. DG:-)

Yes son and daughter one presumes DG

Conflict of interest its called. Don't know what the OFT and FOS would say although I doubt if it is in their names. They can give you the information its all on the computer they can't delete it. DG:-)

Hi PCB My friends have cancelled with FSF. We've gone direct to the creditors they still have debts with and have agreed payments with them with a guarantee from the creditors in writing that they will not add any charges or interest as long as they keep up with the agreed payments so my friends are much happier now. FSF are dragging their heels in sorting the cancellation out but thats no suprise to anyone. Not heard of Debt Settlers but its certainly worth checking around to see if anyone has anything to say about them but I say once bitten twice shy and I'd be careful of going into a contact with anyone if it was me. Good Luck DG

Funny that Bill Waring doing his act he was supposed to have left fsf before redundancies were made - gone back - how strange. Make loads of people redundant and then take staff one - just so strange. Dont believe for one minute that they didnt want to rub the noses of those made redundant in it thats not how they work. Just another call centre now like the rest they are only running the company to line their own pockets. DG

Hi efc Ask them if your account now has a credit balance in your pot you will probably find out that it hasnt got one remember they take fees out every month out of what you pay to them. It does take sometime for your pot to start having an actual credit balance. My friends have now cancelled with them. Rumour has it that they are not doing any full and final settlements with creditors at the moment unless they have already begun negotiations with them. I am now helping my friends sort things out with the remaining creditors that they owe money to. We have asked the creditors how much money have they been paid by fsf and we have asked them to provide a statement which all the remaining creditors have agreed to provide. The majority of my friends creditors are easy to deal with and are polite when they have asked for the information. You can do everything fsf are supposed to be doing for yourself and for free and there is plenty of support on this forum to help get you started. Good luck DG

No no union but its the clerical sector - cant say too much about the company or full process as I know they read posts on here and dont want to give too much away regarding what my intentions are. I always thought it last come 1st to go but they say they have consulted employment law but we know companies can say anything if they think they can get away with it.

Can a company do a points system ie sickness, lateness and also take into account previous employment ie your c.v. before you started work with the company to make people redundant. Also is it right that if they state there will be three consultations and you will be informed on the third one if you are to stay or go but also give people the stay or go on a second consultation?

Well nothing much going on here but i've now decided to DSAR Sainsburys I want all the charges and interest back that they took off me in the 1st place so I need all my statements will post up when I get my information back - if i do get it DG

Long time away nothing much happend with this - this now sold to Lowell who also sent a DN. I'm now going to do a full DSAR request as I am sure there is ppi on this and I know they have added charges on as well. What i would like to know is who to send it to Barclaycard or Lowell Thanks DG

Long story cut short. Took loan out with co-op went on a dmp stopped direct debit for loan so co-op took payment thus putting me overdrawn so then I have an unauthorised overdraft. They only did it once but still meant that I was overdrawn. Just received DN which states that I have defaulted on my overdraft T&C and now owe 15K plus on an overdraft account. Can they add a loan to an overdraft (overdraft balance about 100 pounds) I always thought that a loan was a separate item. Any advise would be welcome please Thanks DG

Yes its gone now

Your lowell letter has your old account number I would remove it if I was you DG

Marshall Hoares Bailiffs are not Bailiffs so dont be fooled into that one. They will only deal with emails, they do not respond to post, very odd for a company who states the Bailiff word. They state they are a paper free office, how very odd, I certainly don't know of a trading company who do not use paper. I have spoken to these people, and I use the word loosely, and I said so if we send you a cheque you are just going to ignore it then - the response - of course not, so I said why not reply to letters sent in the post - response we are a paper free office. Just goes to show how clever they are doesn't it, also Tooth Fairy wont reply to letters either. DG

Son had problem with npower, moved out of 2 bed apartment, they were always out Mon to Fri 7 am till 8 pm never used the heaters as it was an extremely warm apartment. Submitted a reading and the final reading was more than we pay for 12 months, unbelievably npower said it was right, letters from debt collectors, npower wouldnt even come and check the meter so we involved energey ombudsman and theyre looking into it. You may like to go the same route as it certainly seems odd that its happened two years on a run and for the same quarter. If Southern Electric dont sort it this time tell them your going to the ombudsman and do it. Far too many of these suppliers are getting away with it. DG