Received my letter yesterday from M&S bank. It says they are willing to write off the debt and will not pursue the debt further.

I was very surprised, I really questioned the call agent, I will wait for the letter to see what it says. It is the only credit card that hasn't gone to a DCA.

M&S bank Andy

I have just had a phone call from M&S bank regarding the credit card I used to have with them, I have been in a payment arrangement since 2011. We went through my monthly incomings/outgoings and they have now told me they have written off my debt of £5500. I will receive a letter in the post. Has anyone else had this happen to them. I am in shock and I will not believe it until I see the letter.

Hello. It is the college asking for the money. It is the same with my daughter, they are asking for the nursery back for the period she was at the collage, like you said up to the point she was not entitled to it. They have waived the other two terms. There is no debt collector involved. I intend to offer a sum per month that I can afford. It may not be what they are expecting though.

Hi We did inform the college in writing she was leaving. No she hasn't spent the money, she had a career development loan that was repaid back to the bank. my question is if I agree to pay the college a set amount each month regardless of what they want me to pay can they still go to a court.

My daughter attended a performing arts college whereby she was part funded with a bursary, she had to leave due to health problems at Christmas and now the college are wanting £2500 from us. I don't have this money to pay them all in one hit. If I offer to pay a set sum per month will they still be able to take me to court if they deem the sum is not enough.

Hoping someone could give any information on these people. I have a friend who is paying off credit cards by a Debt Management Plan, he pays by SO every month. Experto Credite are continually phoning my friend at all times of the day and night. He states to them he doesn't discuss finance over the telephone. Anyone any experience of the DCA Experto Credite.

Had a phone call from DLC they stated that they only send out statements once a year, I explained as I was being reviewed on a 6 monthly basis that was no good to me, I needed and wanted monthly statements. I also stated that DLC put this in writing to me. Answer "I will have to speak to my supervisor", end of telephone call. Can I demand a monthly statement? I have never known this before.

Thank you

I am paying through my bank account so they are on my statements.

My post office credit card debt has been passed to a DCA called DLC. I have not received a monthly statement since February 2011, I am making payments to DLC under an arrangement. Should I still receive my monthly statement showing the payments I am making?

Hi Very sorry victoria-siempre but I thought your post was related to the last post ie: my post. I thought you were implieing that I was DWP or a DCA. Hope you will accept my apology.

No I am not from the DWP or a DCA I used to work for DWP so I know how they would think. I was just trying to give the person concerned some advice as I know it. I take your remark as being quite offensive victoria-siempre, I thought this forum was to try and help people not make unwanted comments that you have been making..

Hi You should have received letters from the DWP overpayments section it is these people you need to be dealing with, their address should be on your correspondance. If you have completed claim forms and signed them then the overpayment is nearly always classed as your mistake even if you didn't understand or interpret the question. You need to ask what a realistic figure is, I expect the answer will be that they will determine that when they have had your budgeting form. If the DWP have enough evidence to take you to court they will if you do not respond to the letter, I say this because it is civil servants in the fraud department who will do this it isn't an individual and the cost will not be considered to do this as it isn't the individual's money that is carrying out the process. Normally though overpayments of benefit are paid back at a nominal amount per week.

Hi FS I have had a letter from DLS and I agreed the £16.33 a month, I realised after I had done this I should have stuck out but the damage was done. Barclaycard have agreed to my offer and have put an arrangement in plcae but said that after a couple of months I will be referred to Mercers whom I know is their in house DCA. I was having harrassing phone calls at all hours and barclaycard have removed my tel and my mobile no from their records. We now have to sort out my other half's 2 barclaycard credit cards then they are all under an arrangement then. I guess credit card companies just keep coming back ever few months to scare monger, I will deal with each situation as it arises.

Hi icecream69 Thanks for your reply, each credit card company appears to act differently, I am find ing that the most frustrating is barclaycard though.

I haven't scanned their conditions i have scanned the agreement which was signed is it enforceable? Sorry not sure if I have laoded the attachment properly don't really know how to do it.

Here is some of the paperwork returned by barclaycard. The credit card was taken out in 1997 as a goldfish card and was taken over by barclaycard a couple of years ago. Barclaycard have sent us their conditions this was not available to us in 1997 as they did not have anything to do with goldfish. Here is some of the paperwork returned by barclaycard. The credit card was taken out in 1997 as a goldfish card and was taken over by barclaycard a couple of years ago. Barclaycard have sent us their conditions this was not available to us in 1997 as they did not have anything to do with goldfish

Hello Received two letters today one from the post office asking for full payment of my credit card and one from DLC. All charges and interest has now been stopped. I rung DLC spoke to a guy who said that the offer of £8.17 per month was not acceptable I owe under £2000 to this credit card. I explained I couldn't pay any more and I had used the calculator letter used by the courts to calulate payment to each card. DLC said that they would take legal proceedings and put a charge on my property if I didn't pay £32.66 per month. Again I explained that I couldn't pay this and I thought it very unlikely that they could put a charge on my property. DLC then suggested a payment of £16.33 which I agreed to. I would not give them my bank details to set up a direct debit I told them I would set up a standing order. DLC totally dismissed all the advice I had been given by CCCS and they said that the post office operate differently and the debt had to cleared within 5yrs. What should I have done? The debt will be reviewed in August 2011. DLC said that my debt was still with the post office they were just dealing with it on behalf of the post office.

Hi Thank you for your reply, can i ask what is TS?

I haven't sent the 'don't telephone letter' I could do that. I am more concerned with the fact though that the letters are just being ignored, any help on this would be greatful.

Just bumping

Letters were sent to Barclaycard, don't know who keeps ringing they just keep saying they are from Barclaycard ask to speak to my husband and when I say he isn't at home the person puts the telephone down on me.

Myself and my husband are on round two now of sending letters offering the monthly amount we can pay on our 3 credit cards. Barclaycard keep telephoning for my husband, we keep telling them to respond to our letters, they keep saying they haven't received any letters, we are just going around in circles. Does anyone know how long barclaycard will keep this up. I have proof of posting for all the letters sent. Our monthly statements are arriving and we keep paying the amount we have offered them. Why are Barclaycard being so stupid. I am intending to CCA them all, I have actually had a response to one of them.