hi, am hoping someone can help me with advice. About a month ago a man visited my home whilst I was at work, he then phoned my mobile and left a message, whilst retrieving the message 'saying he needed to see me urgently and was on his way to my place of work', I got another message, 'I am only 1 mile away now you must ring me' so I phoned this guy, he said he was a mortgage advisor and he had some papers for me, I asked what they were for and he said said he thinks they are bankruptcy for a credit card debt from MBNA. I told him I had never had any dealings with MBNA, and I did not wish to meet him. A week later I got a message on my phone, that said, "we are preparing court papers you must contact us immediately", but no name, no contact number and a withheld number. Yesterday I got a bankruptcy hearing letter and some court papers. The letter says there is a £2400 debt to HBOS (not MBNA anymore), the name of the person is spelt incorrectly, the papers state they served me with a statutory demand (?) in June (they did not, yesterdays letter and documents were the first I have received). I have sent a recorded letter requesting proof of the debt. I phoned the court, they say an affadvit was sworn that I had been served with this demand, how can this be, can these people just make stuff up? Is there anything else I can do? The court chap who deals with it is off until next week, is it worth plotting up there on his return and pointing out the problems/errors? Also it says they should send the paperwork within 2 days, but they sent it after 11 days.

not long, 5 days?

I dont know if this made any difference, but I totalled up what they owed, and then only sent them a total (not an individual breakdown of each charge and the date). I thought they may not want to spend man hours themselves checking everything, I got an electronic message reply after a one or two days saying they would reply to my complaint within 2 working days, they did, and offered to pay in full. Make of that what you will.

they are fine, you can ask for your statements via an electronic message by logging in, no need to post, they seem to be waveing the £10 fee. They will write and tell you they are on the way and must be signed for, a courier will deliver them. You can then tot up and send your first demand the same way, just cut n paste it into a message to them. They paid me in full from the first letter. Good luck.

can I just say, you dont need to send anything by post, you can send it electronically by logging into your account. Secondly, they dont require the £10 for your statements, everyone I've seen post about it say they have had their cheque returned. First Direct paid in full this week on my first letter. Good luck.

Hello, and firstly a thankyou for the info I got form this site, I shall make a donation. I applied for 6 years statements using the DPA, I sent them an electronic message to do this and did not send them the £10 they sent them out by courier within a week. I totalled up £555, I sent the first letter (again electronically) and made a point of only telling them the total, not giving them a breakdown of the charges, I also used the modified first letter that says please dont bother sending me a leaflet and a standard refusal. Offered to settle in full, took less than two weeks from start to finish and not even the price of a stamp.