Had a letter earlier this week from: Absolute Locate Dear Mr x We require your assistance to verify information on behalf of a client. This is part of an investigation we are currently conducting Please contact ect ect No, I have not responded, and don't intend too. Letter states this registered office is for a Nat Bourner Huddersfeild HD2 1GN CCL 579084 DPLN ZA019311 Having done some homework and looking on this group, they are not who they say they are First off, the CCL 579084 is incorrect, Consumer credit number 579084 is for a Natalie Alice Bunyer not Nat Bourner as stated in this letter (She has married, but not changed the name) She also resides in Surrey not Huddersfeild this information is therefore falsely registered and constitutes either fraud and or deception. these people are in fact: Global Debt Recovery Limited Milbourne House 66-70 Coombe Rd New Malden, Greater London KT3 4QW I am assuming that their client will be: FV-1 INC of 25 CABOT SQUARE, CANARY WHARF, LONDON E14 4QA if you take a look here at: mylawer co uk - restriction of debt collectors They have already broken the following guidelines 1 Those contacting debtors not making clear who they are, who they work for, what their role is, what the purpose of the contact is 2 Not informing the debtor when their case has been passed on to a different debt collector 3 Passing on debtor details to debt management companies without the debtors informed prior consent i.e FV-1 INC will have passed any alleged debt onto Absolute Locate, who in turn will then pass that onto Global Debt Recovery Limited and all without my informed prior consent, add to that Absolute Locate is just a dummy office which IMO amounts to deception. Adding to this, they would’ve already broken the Data Protection Act by passing my details on. I will post more when I receive their first letter. But as you can see from my tone, I am not going to be messed with by idiots, I will be going straight for the jugular Ps. If (big IF) there is a debt, if would’ve to be more than 8 years old or more, so Statue Barred.

Hi, I have been lurking on these forums (and Google) but cannot seem to find any information about the problem I currently want to resolve. I took out a Wonga loan in 2012 which was assigned to Portfolio Recovery Associates U.K. Ltd in June 2013. I am currently on a DMP with Step Change and I am repaying the loan to PRA. I'm aware that Wonga has had to write off loans which were in excess of 30 days in arrears (which mine clearly is) and would not have been approved under the new affordability guideline. I am certain that my loan falls into that category as I was unemployed at the time. My partner took out a loan not long after me, he was employed full time and got into hundreds of days in arrears. However, his loan never got assigned to a DCA and he had made a few payments through Step Change with his DMP. His debt has been written off. Surely because my debt has only been ASSIGNED to a DCA then Wonga should still include my account in the affordability check scandal? I have been emailing Wonga on 5 different email addresses I have found every day but have not yet had a response.

Will make this brief as possible any help or advice would be appreciated. September 2015 daughter leaves job at bank call centre. October 20th 2015 she receives final pay owed. November 20th and 30th daughter receives letter from overpaid salaries team requesting the return of £390.66 overpayment daughter foolishly ignores letters. December 22nd 2015 My daughter receives letter from solicitors instructing her of the banks passing of debt to be recovered to them. Threat of court action and interest charges, legal costs and court fees will be applied if it goes to court, and all the usual threats that gets included in these letters. December 24th 2015 Daughter comes clean about letters and overpayment to mum and me. Mum agreed to loan her the money to clear debt. 24th December 2015, Daughter contacts solicitors payment line while mum listens to call as well, payment approved and reference number given to my daughter, thought that was it all sorted. November 2015 Daughter contacted by banks pension dept as to refunding her contributions made, as she had not completed full year with them, Daughter sends paper work back with details of how refund to be returned Sum of £299 minus tax and NI. Pension refund misses pay date in December so after phone calls made by my daughter was informed it be more likely to be received in Jan 2016 payroll date, No money received by my daughter on 20/01/16 pay date. January 21st 2016 daughter contacts payroll dept to find out why money has not been paid in, as it was a 0845 number phone bill shows time and date and length of call on land line. She was informed on that day and over the phone that the money was not being repaid to her as it was being used as part payment for outstanding debt, a debt that was as far as all were concerned had been cleared, oh how wrong we were. Not once during the phone call did the bank mention that they had informed my daughter by letter or email or phone prior to this date that they were going to recover the money by this means in fact no further correspondence was received from the bank since November. January 21st 2016 A phone call made to solicitors to find out why bank not received the payment, was told by the operative that money had missed there payment date when they pay the creditors. Not once during the phone call on 24th Dec did the operative make clear to my daughter that this would happen or that they would not contact the bank as to the debt being collected. Are they legally allowed to do this, my daughter and myself are at a complete loss as to why this kind of behaviour is allowed to go on. As of me posting this thread no money has been returned to my daughter or any explanation by both companies has been offered should I contact the head office board members and SRA with complaints about this or will I be wasting my time. Thank you for reading the thread.

Hope someone can help ... Recieved a letter from Debt Recovery Plus this morning demanding a sum of £148,99! This charge, originally £90 was brought about firstly through Highview Parking for a longer than 2 hour stay in Livingston, Scotland. The car I was driving was a hired car, (Alamo / Europcar), which in turn gave Highview my name and address here in Germany. ( also charged an extra £35 from my credit card for doing them the service) Since then I have recieved a total of 3 letters from Highview Parking all of which I have ignored.... Just ignore this one too?

Hi guys, just a quick question... I advised O2 that I was unable to pay my O2 contract with them due to have recently been taken to the cleaners in a divorce. I also advised that I have moved to Germany and would attempt to pay back what is owed once I get a job here... well... its been 9 months, not been able to get employment yet, just been signed on the JobCenter here and getting the very basic in support. I am hoping to get employment soon, and have informed Westcott that I had advised O2 about this... Now I have read up on Westcott and find that they paid 02 the debt owed and no doubt will chase me for more than what the original debt was... on the grand sale of things, would they go to the hassle of getting a european court order for the sake of 500? End of the day they can... I dont have anything they can take from me as I dont own more than my clothes... Any constructive advice welcome

I initially had a credit card debt with MBNA which was then sold onto Max Recovery Limited. When the debt was originally sold it was under an IVA. Now the IVA has since been cancelled, so I have started written communication with Max Recovery Limited. As I understand it, when a debt has been sold on, there should be a Deed of Assignment to prove that Max Recovery Limited own the debt. I have asked for this document on 3 occasions Max Recovery Limited has not acknowledge this requests. To date Max Recovery Limited has sent the debt onto their own DCA a firm called Drysdenfairfax Solicitors for collection.Again, I asked their DCA for proof their client owns the debt, Drysden have not complied. I reported Drysden to the Solicitors Regulation Authority over the matter, the SRA said Drysden hasn't done anything wrong. So my question is this; because Max Recovery Limited have failed to provide proof they have purchased the debts, can they persue me for it!?

Hi there. I'm new to this site so I hope this explains m situation - I am getting very worn down and stressed by my previous telecoms provider and now they have a debt collection company chasing me. I took out a 2 year contract with OneBill Telecom and this contract came to an end in September 2015. Now, they have a few hoops to jump through when cancelling the contract which includes 90 days written notice and you must complete the full 2 year contract. If their steps aren't complied by there is a £300 termination fee!!!! Well, I carried out ALL the steps they requested - gave them over 90 days written notice, kept the contract for 2 years and always paid by DD on time. So, when I got a final bill with £300 added to it I thought it was some kind of mistake! - having read the reviews of the company I can see it is something they regularly do. I spoke to someone at OneBill on the phone and all I can say is that they were aggresive, rude and very arrogant as to why I shouldn't leave them as the other company are not as good etc etc.. . Needless to say all my other communication with them was done via email - I say communication - I sent them a number of emails over a month and not a single one was replied to , I just kept getting a final bill, then a threat of passing it on to a collection company. Whilst all of this has been going on I have been in touch with the Ombudsman (as I needed to wait nearly 3 months from the first complaint to OneBill if they didn't get back to me for the ombudsman to look into the case) and I am waiting for them currently to look at my case and get back to me. However, whilst waiting for the Ombudsman to get back to me I have had my first threatening letter (and an automated call which I hung up) from CARS debt collection saying I owe them £347 or they will take further more severe action!?!? I am now a bit lost and stressed as to what to do. I am positive the Ombudsman will turn in my favour as I have tried to contact the telecom company stating the facts of why they can't charge me this fee yet they haven't replied directly to me once etc. ...BUT I am afraid that this debt collection company will try and take action before a decision from the Ombudsman and will not listen to my end of the story which is the true one! I know people on here have said their (CARS) bark is worse than their bite, but when you are a sole trader on your own it is very intimidating having to deal with this when I just want to get on with running my business. I have seen some threads similar to this with links to templates etc, but I am unsure as to which ones to print out and send etc. ANY help/advice on this matter would be greatly appreciated and I need to try and resolve this as soon as I can.... Thanks in advance!

ASA Ruling on Guardian Recovery Ltd Guardian Recovery Ltd 4 Tustin Court Port Way Preston PR2 2YQ Date: 30 December 2015 Media: Facsimile, Internet (on own site) Sector: Financial Number of complaints: 1 Agency: None Complaint Ref: A15-309515 Background Summary of Council decision: Two issues were investigated, both of which were Upheld. Ad Two ads for Guardian Recovery Ltd, a debt collection agency: a. A fax received on 28 August 2014 stated "We will collect: overdue accounts, bounced cheques, bad debts. We will: enforce County Court Judgments, trace absconded debtors, credit check potential clients. We offer a guaranteed, fully-inclusive debt recovery service. 110% Money Back Guarantee... Nobody can do more to collect your debt and that's GUARANTEED". b. A claim on the "Services" tab of http://www.guardrec.co.uk, Guardian Recovery's website, seen in July 2015, stated "...The services of our Legal Team can be utilised without incurring the often unnecessary expenses of a separate firm of solicitors or a barrister". For further reading....... https://www.asa.org.uk/Rulings/Adjudications/2015/12/Guardian-Recovery-Ltd/SHP_ADJ_309515.aspx#.VoO4xbaLQgs

Hi Everyone Thought I'd post this for everyone who's had experience of Harlands pretending to be a DRC so you all could have as a laugh! Summary: I cancelled my gym membership at my local gym for health reasons in February. Harlands, who were handling the finances for the gym, asked for proof from my doctor which I provided. It then took them TWO MONTHS to agree to cancel my membership early. Now they are chasing me for two monthly payments of £24 which equals £48 covering March and April because it took them that long to decide to accept the medical evidence I provided. PLUS they are now also chasing me for the usual unlawful 'administrative charges' which they add every time someone in their so called 'collections department' decides to fart. ere's the text of their rambling email to me which is their so called expert 'version' of events. Sorry it's soooooooooooooo long, but have a laugh on me!: "Further to your email of 13th July 2015; we apologise that there has been an error in calculating your balance. To explain how this has happened we should like to initially point out that the email you refer to receiving was not sent by Credit Resolution Services. We have been employed to deal with this matter only from 8th July 2015 onwards. Prior to that date the matter was being dealt with by the customer service department of Harlands. As a debt recovery company, negotiation is a significant portion of the work we carry out and as such we need the ability to easily amend the balance stated. This is not the case with Harlands who were employed merely to collect the payments due under your agreemen t and administer any requests for cancellation. Harlands can only close a file in one of three ways; by collecting the full amount remaining, by cancelling the full amount remaining or by passing the full amount that remained to CRS for further action. At the time your payments stopped you had eight instalments remaining to be paid on the minimum term you agreed to. Cancellation can be granted prior to completing the minimum term in certain circumstances provided sufficient proof is received. Cancellation of your membership was not granted, however, until after your March instalment became due, meaning that you were still in arrears of two months. Harlands could not close the file by collecting the full amount remaining because six of the eight months were NOT due. Harlands could not close the file by cancelling the full amount remaining as two of the eight months WERE due. Harlands therefore pursued you for the two months outstanding plus charges applied in line with the terms of your agreement in the hopes that once paid the full amount remaining would relate to payments which were not due and the file could be closed by cancelling this amount. Because you have not paid this, however, Harlands have passed the full balance (including the six months which are not due) to ourselves to collect. Because you have drawn our attention to this fact we have reduced your balance accordingly. As such you are no longer liable for 6 x £24.00 membership fees (£144.00) and we have also reduced the additional fees applied to this balance by £24.22. You remain liable, however, for £174.50, consisting of arrears already due on the date your evidence was received and additional fees applied in line with the terms of your agreement. Clearly this amount is greater than £88.00 but we should like to point out that Harlands email of 18th June does not in fact state that your balance is £88.00 as you allege. It instead merely quotes an earlier letter which stated that you should pay your arrears of £88.00 by 5th May 2015 to avoid further charges being applied. You failed to make this payment and so a further £20.00 administration charge was applied on 8th Jun e in line with clause six of your agreement (it was this that prompted the email correspondence you refer to) and on 8th July 2015 you have become responsible for our collection fees of £66.50 in line with clause eight of your agreement to cover our client's costs in employing our services. For the above reasons we must advise that the balance of £174.50 is correct and due. We are prepared to offer a further discount on this balance and accept the reduced sum of £114.50 as final settlement if you are able to pay this in one lump sum, within 7 days of this correspondence. Payment can be made by Credit/Debit card by calling us on 01444 449165. Alternatively, cheque/postal orders should be made payable to Credit Resolution Services and sent to CRS, 2nd Floor, Rockwood House, 9-17 Perrymount Road, Haywards Heath, West Sussex, RH16 3TW. A payment plan can also be set up if you are unable to settle in full, although we do charge a little extra for this. If you are experiencing financial difficulty, there are organisations who offer free debt advice and assistance such as Step Change (0800 1381111), National Debtline (0808 8084000) and your local Citizen Advice Bureau. Please ensure a payment or response is received within the next 7 days, so we can avoid further action being taken. Yours sincerely, Collections Department" Good wasn't it! They obviously haven't got anything better to do with their time! Am I the only one who has no idea what they're on about? Presumably I should just ignore this as they have already agreed to cancel my membership in April and obviously there's no way I'll be paying their so called 'administrative charges'? However, am I still liable for the £48 covering the two months between my notification and their cancellation in April? I could just pay this in full and final settlement and tell them to go away but then again why should I, when they add those extortionate charges which so many people just pay because they get frightened? Any advice gratefully received. Cheers Everyone Baching Mad

Hi there Caggers... Debt Recovery Plus are the latest people trying to swindle by sending me letters such as the one attached. I park in this Excel car park at least 3 times a week. Last week in May 2015, they dotted these small notices around the car park saying that the cost to park was going up by 50p. Of course the signs were so small, hardly anyone saw them and then they did a massive swoop looking for all of those poor people in the carpark who had not seen the sign and paid £2.50 like myself. No intentions of paying them because they are con-men and stealth tactic was devious. I wrote to them saying that I know my rights and that the PCN is an invoice to pay, they do not have the right to prosecute me, it is down to the land owner, etc .. and then wrote me this letter. I'm growing weary.. can they do anything? and is there anything else I can do to help them get the message that 'I AIN'T PAYING IT' because at the moment they ain't listening.

Hi, My mum received a letter today from Debt Recovery Plus threatening to recommend court action on behalf of Parking Eye LTD. This is apparently for a PCN issued in 2012. I have read lots of recommendations on ignoring these threats as DRP can't actually do anything except recommend to Parking Eye but I wondered if there had been some change in the law recently that has prompted this letter, more than 3 years later? Any info is appreciated! Thanks

Hi all hope you are well. Today I received a letter from Northern Rail's Debt Recovery and Prosecutions Unit. It's regarding the end of July when I traveled from Hadfield to Glossop by train. The ticket office was closed, and the ticket machine only accepts card. I was carrying cash and fully intended to buy a ticket. When I cannot get a ticket in this situation I simply get one in Glossop. When I got off the train I saw two northern rail uniformed staff, I approached them to get a ticket. At this point they told me I had committed an offence and they took my details. I was literally asking them to pay as I figured they must have the ticket machine! Just wondering if I have a leg to stand on? Any advice will be appreciated.

please help. i paid and displayed a valid ticket at an NCP car park in April 2015. when i returned to the vehicle i had a parking ticket as the ticket i had displayed on leaving the car had fallen on the floor. there was no sticky label so it was left on the dash board. NCP were not interested in my appeal nor were POPLA both stating it was my responsibility to display. i now have a letter from debt recovery plus threatening court action if i do not pay. what should i do any advise will help

Is the mentioned DCA known as someone else now does anyone know ? If so can someone kindly advise contact details. Thank-you

Hi all, Glad I found this site! In November 2014 I had been given a Parking Charge Notice for parking in a what wasn't a parking area - reason for issue FGW04 - Not a parking area. The moment I came home I sent an email to APCOA to appeal as per instructions on the back of the PCN. I had then received an automatic message confirming they have got my email and that they will be in touch with the decision. This was the second time I disputed the charge - previously I was given one for parking over two bays when in fact I had just slotted my car in the available spot between two cars. So I was used to the process.... that ticket was cancelled. I fully expected the same this time. To confirm, I had paid the parking for the whole day. I had parked in the designated car park area, but not in one of the drawn parking bays. The car was not unsafely parked, it was not blocking the passage or other cars nor was the piece of tarmac marked as a none parking spot. About a third of the normal parking bays were sectioned off for heavy machinery, so already small car park had even less spaces to park and was badly overflowing. Other drivers have been parking in the same spot where my car was for the two weeks before hand without issues. That day they issued about 20 tickets for anyone that was not in the marked bays. I sent all this info in the email to them and waited. Nothing happened for months so I chucked the PCN. 2 weeks ago (while we were on hols) they sent a setter from Debt Recovery Plus Ltd saying my wife (who is the registered keeper) owes APCOA £150 and that they will take her to court - all the normal blab. Yesterday we had another letter saying they will send her to court if she doesn't pay by the 1st July. Obviously, I don't want to pay anything as they had lost no business that day nor could I had known I can't park where I parked (the car park is a ruin in most places). But if I have no grounds on which to appeal then please let me know ... Also how do I change this from my wife to my name as she is rather disturbed by it all. Many thanks in advance!

Good afternoon, Having just joined the site I wanted to introduce myself. I've just turned 35. Am married with 3 kids. This is important because I nearly lost them. I am a recovering compulsive gambler. This isn't seen as an illness to anybody except another compulsive gambler. My last bet was march 2014. I actively attend GA meetings to prevent relapse. Its taken me this long to rebuild trust in my family. My life is miles away from the despair it was in when I gambled, but I still have evidence of my problem in the form of a mountain of debt. Although I signed up to a dmp with stepchange in july 2014 my head is still firmly in the sand when it comes to finances. I have joined this site to gain control of my finances having gained some kind of control over my gambling. I haven't looked into reclaiming bank charges or PPI or anything so I guess that's where I'll start. thanks for listening, i'll keep you 'posted'

Hello. I am being sued for an unpaid invoice. The claimant is also claiming almost £4000 in debt recovery costs. Can they actually do this? They are also claiming solicitor's fees etc

Hi guys. Firstly i apologise for creating a thread similar to those posted but my situation seems slightly different to those i have came across as i did in fact admit i was guilty and police were called. The threads i came across didn't seem to involve police. I did in fact shoplift from boots around 2 years ago, police were called and i admitted i was guilty. Attended police station and paid a fixed penalty notice of £80 so i didnt have to attend court. received a letter from boots not long after asking for payment of £147.50 which i threw in the bin. Although i admitted guilt i was not prepared to pay for 1 mistake twice. 2 years later i have received a letter from County Collections Ltd on behalf of boots saying they were instructed to recover the outstanding liability against me... if i fail to pay or contact them within 7 days boots may issue legal proceeding against me whih may incur further costs etc. Also informing me that unsatisfied CCJ may result in my credit rating being affected. So, my question is.. what should i do now? I obviously admitted to the police i was guilty, but the way i see it is i paid the fixed penalty notice so why should i pay further costs? I understand the amount they are asking for is to cover losses etc.. the items i stole were re-sellable as i didn't actually damage anything and they were recovered by the store. The security guard also added to the total items which i had paid for which i asked to tske home with me upon showing them my receipt which i was allowed to do so i guess the amount of items they want to recover is wrong. also the security guards time whilst dealing with me.. he infact sat looking at his camera and caught another shoplifter whilst we were waiting for the police to arrive, so did not infact keep him away from his job at all. Do boots actually ever take court action for these amounts? The surname on the letter is also spelled incorrectly, if that makes any difference Thanks in advance.

Hello Please can someone advise me, a few years ago I had a parking ticket from Excel Parking, I initially ignored it, but then a company called debt recovery plus threatened to take me to court so I paid them in September last year, I have a copy of the cheque I sent and my bank statement showing it was cashed , but I don't have any other letters I didn't keep them as I had paid. Today I received a letter from a company called Rossendales Collect, chasing a parking charge from Excel. There is no date or place of the offence, but it has to be the same ticket I have not had another one, the letter today says they have 6 years to recover the debt and they are going to commence recovery action. What should I do, I don't want to call them, I have no paperwork and I just know they wont accept that I have already paid even if I send a copy of the cheque. I only paid last time to make them go away and now another company is back. so unfair, can any one advise me, I don't know where to turn, do I need a solicitor? Many thanks for your help

I was caught shoplifting £27 worth of goods from a superdrug store. It was a moment of madness. EXTREMELY out of character and I'm deeply ashamed. I gave the goods back to the store and it was my first offence. The police were called and they did an identity check but that's it. I was handed a civil recovery form and told I am going to get a fine from RLP in the next few weeks. After reading various threads they all say to ignore the letters. As I am moving out of the address I gave in a few months is this still a wise thing to do? I'm tempted to just pay it and get it out the way even though I'm a full time uni student and will struggle to afford the amount. I'm extremely scared, if I ignore the letters will I get taken to court or will it affect my credit rating? Also am I on a database that employers can check? I'm graduating in a few months and this has scared me a lot. I want to be 100% sure I can ignore the letters as I am moving out in a few months. Please will someone give me some advice? Thank you

This thread is an informational post to see if people are aware of the new rules regarding Housing benefit Council Tax fraud. This only applies to those that have been CONVICTED of these benefit frauds at the moment. (This may change) "Higher rate deductions via Direct Earnings Attachment for Housing Benefit overpayments where there is convicted fraud – new legislation from 6 April 2015 New legislation will come into effect on 6 April 2015 which will increase the rate of deduction that can be made by a Direct Earnings Attachment (DEA) for debtors who have a debt for which they have been successfully prosecuted. This must only be used in cases where the claimant has been convicted of fraud for that particular overpayment. This cannot be used where the claimant has accepted an Administrative Penalty." For further information read the attachment or see here https://www.gov.uk/government/publications/hb-direct-april-2015-issue-158

Hi I was hoping that someone could help me with a company called Are You Owed Money (used to be called Sentinel debt recovery) I had an outstanding debt with a garage for a repair which needed to be carried out on my car which in itself is a long story, i owed £900 and was contacted by sentinel to pay off this debt we agreed to pay off £50 every 4 weeks as this was inline with my pay and the only way to set this up was by giving them my card details they took payment every 4 weeks (first mistake). Around about September i didn't have enough cash to pay this i contacted them to tell them around a week before and asked could they take it out 1 week after the original plan and then go back to the original payment plan which they agreed and said it was fine. Then to my surprise they took 2 payments out one on my original date which left me with the money i required to pay my council tax and then a second payment a week later i contacted them and they did apologise and say it wont happen again. But this then happened 3 more times and i phoned them each time to tell them to stop it and reset the payments to the original plan but each of these times i was told that either the system was down or that someone would call me back (which they never did) During this time the company had change their name to Are you owed money i the phoned again to say that i wasn't happy and this is when i got a lady called Christine who was a very unhelpful she told me that "well i don't know who let you set this payment plan up as now the debt had risen to £1400 and we don't accept payments that low we will have to look into this and ring you back because you need to be paying this off quicker" this really did get me worried as i suffer from anxiety and depression (which i explained to them) really didn't help the matter, i did dispute the extra on top of the original debt but they just said "oh we will see what can be done with that when the majority has been paid off" I'm a bit lost now because they kept taking payments outside of the agreed payment plan i told them that i was going to contact the bank and block them which i did so then they change the name of who took the money to vantige legal and took another payment so i got the bank to block them as well. Now i have them sending letters to my old address even though i have told them i had moved at least 3 times demanding full payment and potential bailiff action. Any help would be appreciated. Thanks

Just a quick one, this is regarding my partner's debts which are a thread elsewhere, but she's mid applying for a DRO. All her debtors bar one have put everything on hold - Jacobs are just being greedy, inconsiderate and bullying. Got a letter today saying unless a payment offer is made (have been advised by the National Debtline NOT to make an offer as Jacobs are one of many creditors) they will send out a "Debt Collecting Agent". Now the previous letter threatened court action but she has received NO court letters so presumibly it hasn't been to court yet. But if I'm right in thinking, these "Debt Collecting Agent" have no rights whatsoever (unlike Court appointed Bailiffs) .. ? Will send a letter by return if this is indeed the case telling them there is a 7 month old child and my partner is alone with her during the day and this would cause her anxiety and distress. Am I right in thinking the above is right? These pre-court "Agents" have no legal rights to collect the debt? Many thanks.

Hi This is my first time posting on this site as it was recommended by my mom. whilst at uni in 2011 I was given a grant which I didnt have to pay back. I left uni early as I was unhappy and deceided to quit. Now I am receiveing letters that they require this money back 1st from the student loans company whilst I was not in any type of work and now the debt has been passed on to Aninika. I need some advice on how to handle this company and the best way to approach and repay the debt. Many Thanks

I have checked my credit file and it seems that MBNA sold a few of my credit card debts to MAX recovery who has also made an entry on my credit file. It seems after bacnrupcy the debt was sold to MAX. I thought only the Oringinal Creditor can mark credit files?