Thank you. I will let you know how I get on.

Hello any one out there? Have I done something amiss with no one replying to my last two emails. I would really appreciate a reply as I am desperate to sort this problem out.

Would anyone please help me with my last email. I am desperate to know if I should send an ordinary letter to the debt collector or one from the library saying I am not prepared to pay the charges. Also should I say I am prepared to fight it in the small claims court? Do you think they are likely to either send in baliffs or issue a county court? I would be really grateful if someone could answer my query. Thanks for your help.

As I have had the card for a couple of years I think I have already paid them the £200 back. The £700 is not all charges. It is probably made up of late payment fee and interest. I would really like to know what letter I should send them. Would it be the standard letter in the library. Also if they reply to me that they will take me to court for the balance, what would I do next? Thanks for your help.

Hi Thanks for your reply. I am not too worried about the default. I am more concerned about the balance on the card of £912 for a card that initially only had £200 on it. They have passed the debt onto Cabot and they now own it. I would like to know if I should send them a letter asking them to reduce the balance as was suggested in an earlier email. I am a bit confused about which letter I should send. Also I have kept all of my old statements. So should I just send a letter asking them to reduce the balance? Sorry to be dim.

I have been defualited on the credit card so I am going to try and get the £700 in charges removed or at least some of it. Also they have started harrasing me big time last week as I havent paid their £50 for this month. Should I keep on paying the agreed monthly amount whilst I am disputing the charges? Also I have all of my past statements so do I need to send the DPA letter? Should I just a letter disputing the amount owed and wait the 14 days. Is there a set routine of letters like the bank letter charges or is it differnet for credit cards?

I LOVE YOU

Hi Everyone Just wondered if anyone could help me with my query. I had a card with Capital One. It was only for £200. Unfortunately fell behind with the payments but tried to keep up as and when. I am self employed and last year was bad. The charges kept piling on and I could not keep up with it. I asked them to stop the charges and offered them £20 per month but by then the balance was £900. £700 in charges. They have sent it to a debt collector and I have offered them £50 a month which they refused at first but have now accepted. Could I get the charges knocked off the balance? Or is it too late? I think they would probably take it to court if I try and get the charges removed. I dont really want a county court judgement against me as I need to get a mortgage later in the year. Hope someone can help.

Hi I have read them three times. Lynda

Hi Everyone I have two accounts with the Halifax. I am going to send the first letter today. I have all of my statements (well nearly all) for the last 6 years. I have added up what I have paid in charges and charges for going over my overdraft. Will it be okay to put the two accounts in the letter or should I send seperate letters? I have often had cheques clearing in one account and a direct debate coming out of the second acccount but they have still not paid the direct debit. I wrote to my branch last week about two charges but they have not bothered to reply. Last year I did get them to remove a couple of charges but that was only because a cheque I put in for £3.60 they paid in as £360. It played havoc with my account but they never took responsibility for it. I am sure this is the wrong place to ask but in for a penny in for a pound. I have two cards one with Monument and one with Capital One. I am self employed so money comes and goes at odd times. The cards were both for £200 but due to all of the charges they have gone up to £900 on each card. I have tried to get them to stop the charges but they never would. Both cards have gone to debt collectors. I have offered to pay them £50 per month but it really gets me to think I will be paying £700 on each card in charges. Any suggestions?