Hi I was out today and a friend was looking after the house. He had a knock on the door from 2 people in a BMW who asked for me. He was suspicious and said he had no idea who I was. they went away then 2 mins later posted a hand written envelope through the door. I opened on my return to find a Statatory demand from BW Legal on behalf of Lowell threatening bankruptcy. The debt is for just over 4k with SAV credit and states a default date of early 2008. I have not contacted Lowell or BW Legal at any point and am unsure who SAV credit are. I was paying a CC payment to MBNA that year but the number does not correspond with my account number. I do recall having a Marbles card, but I have gone through all my bank statement as far as 2006 and no payment has been made to them in this time. I did ignore the letters which wasn't clever as I assumed the lowells letter was regarding a CC debt with another provided that CCj'd me for even though they never had direct contact with me. What can I do?

Hi I am new and looking for some advice. My husband has been dealing with BW Legal over a car lease he had with RBS. Due to us being in quite some debt after H being out of work we have already received Debt Advise from Step Change and set out a plan to send to our outstanding creditors. For a period of time we were paying BW Legal £75 as agreed, they then sent us a letter saying that they wanted more from August. H replied saying it would rise to £125 and then £200, they replied asking for £500 pound and stating that it would take four years to pay the debt at £500. They also stated that they would be going for a SD for Bankruptcy if we didn't agree to the £500, as they could see that I could afford to pay more money to the mortgage and free up the £500 for H to pay them. Its not my debt, its totally in his name. H has since replied and informed them that it would be £125 for three months, then £250 for three months and then up to £500 till the debt was repaid, this would be two years not the four they are stating. They wont have received this letter yet, but this evening a gentleman tried to issue H with an SD, but as he is working away H had to phone him and agree to be served the document on Friday. The gentleman would not give me any details what so ever under the Data Protection Act, yet BW Legal expect me to free up money to pay H's debt to them. So you can imagine that makes me quite angry at the cheek of them. He also explained to H that this is only threat tactics to make us pay them more.. He was unusually a genuinely nice man bearing in mind his job choice. He has always kept to the agreement he has made with them, and has a plan in place to pay them more as other debts are cleared, I truly believe they have seen the plan and now just want me to pay the bill via H, total bullying tactics, they wont speak to me as otherwise I'd ask them how they would feel about me shooting the horse the bill is paying for, just to get their money but I really don't expect they would care. As we have stuck to our side of the payment plan, how they can suddenly change the plan and attempt bankruptcy proceedings, surely a judge would say they are doing what was agreed and you are just harassing them. Any help or advice would be greatly appreciated.

Hello, Long story short version - Ex landlord will chase me to the end of the world for rent I don't actually owe him. He took me to court while I was out of the country, won and is now armed with a CCJ. I was going to fight the CCJ but it was going cost around 1,000gbp. We made a deal for 550gbp and he went away. However, several months later he's back and now wants the rest. I have not lived in the UK since May 2009. I've been out of the country for 4 years and 3 months. My ex landlord says he's issued an SD to my old address. . He sent me an email with the SD scanned. He's stated on the SD that I owe him 630gbp. I've read the insolvency act (part of) that indicates I need to owe 750gbp so he can make me bankrupt, However, I noticed this section: "“The bankruptcy level” is £750; but the Secretary of State may by order in a statutory instrument substitute any amount specified in the order for that amount or (as the case may be) for the amount which by virtue of such an order is for the time being the amount of the bankruptcy level." What does this mean:?: What chances does he have if he doesn't know my international address and he fails to demonstrate the debt meets the 750GBP condition?

I signed up to my local gym the other week however they use an external company to handle the monthly collections side of things. I signed up 8/7/2013 however i'm now working 6 a week and back at uni from September part time - naturally finding time for the gym will be a struggle. I know with most things theres a 14 day cooling off period but i can't see anything relating to this on the confirmation email. All the email says is: Minimum period: 12 months (Non Cancellable in this period) Terms & Conditions Definitions: The Service Provider = "We"; The Customer = "You"; Debit Finance Collections Plc = "DFC" Terms of your Contract Period of Commitment You are agreeing to subscribe monthly for the services provided by the Service Provider and contracting to remain a subscriber for the minimum period shown overleaf. Termination of Service Limited right to cancel During the minimum period of the agreement you may cancel the agreement only: If we fail to maintain the standard of service you would reasonably expect. If we alter the operating hours of the services unreasonably. If you develop a medical condition which prevents you from using the services on an ongoing basis. An appropriate medical practitioner must provide written evidence that this is so. If you move away from the area by a distance which we consider, at our sole discretion, to be too far to travel to the services for regular use. We shall require evidence that such a move has taken place. If you lose your employment and are unable keep up the repayments as a result. You must produce documentary evidence and initially we shall be prepared to suspend payments for two months and review with you your financial situation thereafter. Termination Payment for Early Cancellation If you cancel your subscription during the minimum contracted period, other than in the circumstances set out above, we shall be entitled to a termination payment (a "Termination Payment") The Termination Payment will be the total of: The arrears, if any Any accumulated late payment charges that have been or will be incurred The monthly subscriptions that would otherwise have fallen due before the end of the minimum contracted period. You will be given credit for early payment and this will be a discount allowed against the total you have to pay. For details of how the discount is calculated please contact DFC. Missing Payments If you miss two payments you will be deemed to have breached your contract. Giving notice to cancel DFC (The Collecting Agent) will continue to collect your monthly subscription after the minimum contract period. Should you not wish to continue subscribing after the minimum period you must give notice to cancel the contract in the month before the final payment of the minimum period. If you wish to cancel the contract at any time after the minimum contract period you must give one month's notice. The notice should be in writing or by e-mail and sent to the service provider or Debit Finance Collections Plc. Collecting your monthly subscriptions Debit Finance Collections Plc ("DFC") is our agent for the collection of your monthly subscriptions. DFC will collect your subscription monthly in advance on our behalf by Direct Debit. If you fail to make a payment on time you will incur the following charges: 1) Fail to pay the subscription on the due date ..................................................................................................................................£10.00 2) Fail to pay the missed subscription within 7 days of the date of a reminder letter ..................................................................£20.00 3) Fail to pay the arrears and accrued charges within 7 days of the date of a Final Notice ......................................................£30.00 Late payment charges become payable immediately they are incurred. Other Charges 1) Payment other than by Direct Debit .................................................................................................................................................£5.00 2) Any cheque returned unpaid by your bank.....................................................................................................................................£10.00 DFC is also our agent for serving notice and collecting any Termination Payment which becomes due. Any notice served on you by the terms of this contract will be deemed to have been delivered to you the next day after it is despatched by us, or our agent. Data Protection Statement Debit Finance Collections plc always uses information submitted by you ('Information') in accordance with all relevant data protection legislation. By signing this agreement you confirm your acceptance of the terms of the Data Protection Statement. Debit Finance Collections plc will use information as follows: To supply services as requested by you including the transfer of information to employees, agents and third parties as required for this purpose. For administration purposes To market Debit Finance Collections plc services to you. Debit Finance Collections plc may also disclose details of your account to a debt collecting agency for collection and tracing purposes. Debit Finance Collections plc may transfer its business assets (which include information) on sale or merger of its business. The Data Protection Act 1998 gives you certain rights, including the right to request a copy of your information and to have inaccurate information corrected. Please contact the Data Protection Manager, Debit Finance Collections plc, PO Box 6046, Milton Keynes, MK1 9BA. Does this mean that for the next 12 months I'm going to have to pay due to there being a minimum term imposed on me? Is there anything I can do as I don't want to be shelling out £360 over 12 months for something I won't be using.

I have just had through the post a Stat Demand, however I have some questions in regards to this - I have spoken to our county court about this and they are slightly confused as well so any help will be greatly appreciated. The demand is for rental arrears for the sum of £1234.78 - firstly when I spoke to our local court they have stated that it will go to the appropriate court where the debt occured however on this demand it states [the High Court of Justice] [Northampton. . . .] and below it states that any application to set aside this demand should be made to that court - the debt occured in surrey?? It was delivered by post which I received yesterday but the date on the demand is the 12th. At the bottom of part A on this form it says that a - you have only 18 days to apply to the court to have it set aside which has been striked through which leaves me with b you only have 21 days before the creditor may present a bankruptcy petition. Firstly can I get this set aside and secondly given that reading are slightly confused as to why it says northampton but have told me to apply to them being reading is this correct? Secondly I want to have this set aside for the reasons that follow: We took on x rental property and had to redecorate which they agreed to pay for but haven't done so so far and we are owed an outstanding sum of £1200 - it states on the checkin that walls etc need painting and was agreed along with the cost which was either to be paid in full or offset against our monthly rental. They entered the property illegally whilst we were in the process of moving out and several items of value have gone missing - they had admitted to entering the property without our consent and whilst we still had personal items in there. We have written to them on numerous occassions regarding this as there were several items of value that have disappeared but had no correspondance from them. Finally we have not received our deposit back and the landlord sent us a letter clearly stating that our deposit is for damages and can not be set off against any arrears, yet we still have not had this returned to us. I am now at my wits end with this, however I do not see why they should get away with this and that my partner and I be made bankrupt. Any help would be appreciated

I received a statutory demand from Lowell on the 7th November 2012. The demand was regarding two debts which they had bought from other companies, both of which are originally catalogue debts. Having spoken to the national debtline, I was advised that as these were catalogues which were taken out pre April 2007, I should send a CCA to Lowells and if no credit agreement was supplied, to apply to have the demand set aside,which I did. A hearing was set for the 17th December at which their solicitor requested more time for them to respond to the CCA request. This was granted and a further hearing is now due on the 14th February. The letter I received from the court says: IT IS ORDERED THAT: 1. The Respondent do file and serve a statement in response to the applcation by 4pm on 15th January 2013. 2. The Applicant do file and serve any response by 4pm on the 29th January 2013. 3. The matter be relisted for hearing on the 14th February 2013 4. Costs in the application. Is there anything I need to do now? Obviously Lowells need to file a statement first, will I get a copy of this, or do I need to ask the court for a copy? Other than waiting to see what the statement says, is there anything I should be doing in the meantime? Any advice would be much appreciated.

Hi, I have out of the blue been issued with a Statutory Demand by BW Legal/Lowell Portfolio for two seperate debts totalling £10k I have not made any contact regarding these debts for over 4 years and don't recall ever receiving any default notice. I have taken a look at how a Statutory Demand should look like via the National Debt Line and it all looks the same except for some of the sentences under the WARNING section on the first page, they have ommitted; Also under the NOTES FOR CREDITOR they have ommitted; I do own a property and have only ever paid interest only repayments and as such the property is not worth much from what I owe. Can anyone advise on what I should be doing/sending to these people? Thanks in advance.

Hi, I apologise in advance as i'm sure this question has been asked before, I really need to make sure my thinking is correct before challenging my landlady (again). I've been in my flat for around 22 months now and began with a fixed term AST for 1 year with monthly payments. The only Termination time was at the 6 months "Break point" and included a 2 month notice period. At the end of the year the landlady and i agreed to allow the contract to roll on a monthly basis (for the past 10 months). On the 12th June I gave written notice saying I'll be out of the flat within one month (also aligned to the date of rental payment). She replied saying that i had to serve two months notice as in line with the original AST. I checked the contract and according to that it states: "16.2 If the Tenant stays in the property after the Tenancy has expired then a statutory periodic tenancy will arise on a monthly basis". Having done some reading around my understanding is that the tenant only has to provide one months notice whilst the landlady is required to provide two months notice in the case of defaulting to a a statutory periodic tenancy. Is this right? I'm hoping to go back to the landlady and say. Here's my contract saying i am on a statutory periodic tenancy, i have no obligation then to serve more than one month of notice following my last rental payment. I have quite a big rental deposit that i could do with so don't want to become embroiled in a war over it! Many thanks in advance.

Hello all, Help needed about a signed application form received under section 78, of the act, with regards to a credit agreement. It's signed and dated by me, contains the prescribed terms of a running account, but is not dated or signed by the original creditor, nor does a signature box exist for the creditor either. (3) The signature of the said document shall be made in the following manner— (a)by the debtor or hirer, or by or on behalf of the debtor or hirer in the case of a partnership or an unincorporated body of persons, in the space in the document indicated for the purpose, and, subject to sub-paragraph © below, the date of the signature shall be inserted in the space in the document indicated for the purpose; (b)by the creditor or owner, or by a person on his behalf, outside any signature box in which the debtor or hirer may sign and, subject to sub-paragraph © below, the date of the signature shall be inserted outside any such signature box; ©in the case of a regulated agreement which is not a cancellable agreement, the date on which the unexecuted agreement becomes an executed agreement may be inserted in the document and in such a case any other date specified in paragraphs (a) and (b) above need not be inserted; and (d)nothing in this Regulation shall prohibit the inclusion in the said document, near to any such signature, of the signature by any witness outside any signature box in which the debtor or hirer may sign. This is in relation to an adjourned application hearing to set aside a statutory demand. original creditor: ABBEY Credit card (MBNA), Default dated mid 2009, Notice of assignment sent, Default notice sent, Last 10 statements sent. Amount of default £2000, contains about £450 worth of £12 charges. Can an application form be said to be a enforceable agreement, even if it contains the said prescribed terms? This may be ok for waksman, cary v HSBC but is it ok for the Wilson house of lords case

Hi everyone, I appreciate that what I am about to discuss is related to me as the director of a Ltd company, however I still thought there might be someone here who can advise the best course of action to take. In January of this year, our company ('X Ltd'), was dissolved since my business partner and I decided we could no longer work together and there was no interest in continuing the company in its form at that time. There were no outstanding debts, apart from one that was owed by a previous client of X Ltd; they are a huge name in this country so we felt that the debt to our subbie would be paid regardless of what happened to X Ltd since the work was invoiced to the client c/o X Ltd and not directly to X Ltd (though works were authorised by X Ltd). Anyway, about a month after the dissolution of the previous company, some options to work abroad fell through and I decided to give the company another go and start a new company with a similar name but change from X Ltd to X Limited; so name was same but Limited spelled differently as well as different company registration number and vat registration number. The registered address changed, but about a month ago, I decided to set up a virtual office at our old location because it is convenient for me. I do, however, wish I had taken the advice of my accountant and changed the name altogether!! So, this big client of the now dissolved company decided not to pay the subbie, and now the subbie is coming after the new company. Bit of a mess I know, and although I always make sure debts are paid, I do not understand how a statutory demand can be issued to a company that was not even formed when the original debt was incurred!! The statutory demand was served at our non-registered address, for a debt the company has nothing to do with. I do not have much money, hence requesting advice here, but I am minded to write to the court and ask for the demand to be set aside and request an injunction since the two companies are independent of each other. Or, should it simply be returned to the creditor making it clear that company no longer exists? Any advice?

Hi, Some time ago a company supplied a service to me, for which i was paying as i went, i then hit financial troubles, spoke to the comapny and they agreed to continue with the services and pay monthly instalments. For which i have and kept within this agreement. For some reason out of the blue i recieved a final demand from a DCA, and i basically they are saying if i cant pay the whole balance now then they will issue me with statutory demand, which i am lead to believe is the first step to start bankrupcy. I have tried asking the DCA to let me carry on with the monthly payments, which he is refusing. Can anyone help me with this problem? Thanks

Hi I would really appreciate any help. Worried sick & really stressed. I've been served a Statutory demand from BW Legal instructed by Lowell Portfolio original creditor Egg, balance due £7,200. The letter is dated 15/01 but hand posted on the 7/02. I acknowledged the debt in Dec 08 & made x4 payments last payment April 10. I buried my head in the sand & due to losing my job back then just stopped the payments, the letters stopped until now. Recently a joint home owner & finally getting my life together then this comes back to bite me. I don't know what to do next. Please help.

hi all im about to receive a statutory demand from lowells for a 2000 pound debt from welcome i have sent i email to them offering 45 per month got email back to say that the acount is on hold can i get a set aside on the fact that i am othering to pay it back thank you for any help im in a bit of a panic no im in a big panic

Hi could some one help me with this scenario ! i have recieved a statutory demand for a an old credit card but the date on the demand is dated 26 of march 2013 so seeing that it is now the 20th of april i presume they are trying to pull a fast one as u only have 21 days to apply to have it set asside ! what can i do now as i sent for the original cca in 2008 to Capital one they sent me a bodged up application at the time so i sent another letter saying it was now in dispute later that year i was sent another leter by then Lowell. i replied saying Capital one was still in dispute now this demand is from BWlegal !! help woukd be most appreciated !!

Hi everyone, I had a statutory demand posted through my letterbox yesterday by Lowell/BW Legal relating to 2 credit card debts - Barclaycard and Vanquis (totalling just under £5000) and just need some advice on what my best course of action should be? I'm going to send CCA request to Lowell by recorded delivery - does the £1 fee cover both accounts? Unfortunately I'm another 'head in the sand, ignore it and it'll go away' person! - until now. I realise that I can no longer ignore these debts and I really don't want a bankruptcy petition on my head. I've been searching through my paperwork this morning and the points I have noted are that the barclaycard card number on the demand seems to differ (albeit very slightly) from my original card number - missing a digit from the middle and a couple of digits from the end. Also, from reading the forums it seems possible that barclaycard may not be able to provide a true CCA as the account was opened pre 2007. If that is the case, will this be enough to stop them being able to petiton for bankruptcy? Also I have a letter from Lucas Credit Services dated 9th Jan 2013 re: outstanding debt to Vanquis. It says 'we are disappointed that you have not made payment or contacted us to discuss repayment of you debt of £0 owed to Lowell Portfolio Ltd for your Vanquis account' On the right hand side of the letter it lists the Creditor as Lowell Portfolio and the Amount Due as £0. When I received this letter, I thought great they must have written it off as it states £0. I don't believe there is any PPI on either account but not 100% sure on that. There will be charges on the accounts but not sure what counts as excessive? I think my barclaycard credit limit was £2500 but the end figure is over £4000. I haven't got any of the old paperwork to check that out. What should I do next? Thanks in advance for any advice! Sam

I can't remember seeing anyone recently make a new post saying that they have been issued with a statutory demand on behalf of Lowells ? They are still continuing with bankruptcy petitions according to reports in the London Gazette. Have they stopped doing this, just paused or reduced the number they are issuing ? Going by what is reported via CAG, there does appear to have been a change.

I'm replying to a SD, and would I appreciate some help as to which format the set aside should take. Is there a specific template to be used or can it take the form of a standard letter, laid out with the disputed points? Is there any particular wording that must be used. And lastly, which court does it go to, the original CCJ was county court bulk centre, but the SD seems to say that I should send it to my local county court - I don't want to send it to the wrong place and I don't trust the issuer of the SD to have given me the correct information. Also, should it be addressed for any particular department to ensure it gets to the appropriate place? Thanks in advance.

Hi Everyone I have a long running disagreement with Shop Direct over £350 worth of goods bought and sent back due to size / style issues and to cut a long story short Shop Direct denied they were received and so defaulted the account. So, Lowell's got involved and it seems they have bought the debt (probably for about tuppence in the pound) and are chasing like rabid terriers. The latest letter threatens the visit of a process server, delivery of a Statutory Demand and then, to use their exact wording from the letter '.. .Lowell may then petition the court for your bankruptcy...' Part of me thinks this is over posturing on their part but I have heard stories about Lowell's on this and other forums as to their nasty and vindictive nature. Can they petition for bankruptcy for such a small amount? Does anyone have knowledge of the law on this issue? Also, I would be very grateful for any advice as to my next move. Many thanks.

Hi, really hoping somebody can help me as getting very confused. I have a CCJ which ordered payment of the full amount - around £14k. The CCJ allowed statutory interest to be applied. To cut a long story short, following bad advice from a solicitor this now stands at £23k. I applied on an N245 to repay in installments and attended court where the judge ruled I could repay at £500 a month. The wording on the judgement says 'the defendant do pay the balance of the judgement debt at the rate of £500 per month'. Does this mean that I now repay only what the balance was at the date of the ruling or can the creditor still continue to apply statutory interest? And if they can,is there anything I can do about it? Thanks in advance for any help with this.

Received this reply from Capital after requesting CCA, non compliance and account in dispute letters to them Quote Please find enclosed a copy of your credit agreement as requested. In accordance with Section78 of the Consumer Credit Act 1974 and the Consumer Credit (Cancellation Notices and Copy Documents) Regulations 1983, this is your origianl agreement, and if any terms have been varied, then the copy agreement will include the updated terms. In addition, your personal details, the signature box, signature and date of signature have been omitted from the copy provided as permitted under Regulation 3 of the Consumer Credit [Cancellation Notices and Copy Documents} Regulations 1983. Under section 788 we are not required to provide a copy of the default notice and statement of default. However, we can comfirm that a statement of default was issued on 16th December 2008 Unquote What do I do next and do I still continue to send them token payments. Many Thanks

Hi there, I have been reading similar posts to this from people in a similar situation but wanted to ask advice please. On the 5th November we returned home to a calling card left by a collector that had visited to discuss a lowells debt in my husbands name. My husband as supposed to ring him to ask what it was about but he never got around to it. Yesterday we had a letter in the post from the same collector stating that he had visited twice and he will be calling again next Monday to issue a statutory demand for a debt my husband has with lowell. From experience we have had in the past with creditors we knew to request a copy of a credit agreement before we agree to any repayment etc so my husband called the collector to ask what the debt was for (we had thought all bad credit we had was sorted as we had sorted a lot of these things in 2006-2007 and have not really heard anything since). He told us the debt was with the Royal Bank of Scotland and was for the amount of £10,700. My husband told him he would be requesting a copy of the credit agreement but we had no reference number or address for the creditor. The guy told us the information would be on the SD and if we wait until that arrives we can request the information then. We had a telephone call tonight from a woman from Hamptons who asked us to make a payment of the full amount and when we stated this was not possible she asked for a deposit of 35% of the full amount which obviously we could not do either. She then asked what we could get together and said she would phone us back. My husband at that point requested a copy of the original credit agreement which she eventually agreed to but asked us why we wanted it!! She then proceeded to explain the full implications of bankruptcy which was the route they plan to pursue if the payment requested was not made and she would be phoning us back on Monday. This really is the first correspondence we have had on this matter although the woman stated that they have been sending us 40 letters per year since 2007 when they bought the debt. My husband said he may have seen a couple of the usual type of letters these companies send but no way was there 40 per year!! We did seek advice from CAB in 2006-2007 about our debts and it is possible we acknowledged this debt back then and paid the nominal £1 fee. I can't remember when we would have last paid anything though. From what I have read in other posts I see that we need to officially request a copy of the original credit agreement for £1 and a copy of other paperwork that costs £10 (can't remember the name). Is there anything else we should be doing and can we avoid the bankruptcy route? If they can prove the debt is ours and we must pay will we have an opportunity to make a payment arrangement with them before they start bankruptcy proceedings? We have our own home (mortgaged) and my husband has his own building business (which is quite new so doesn't really earn us any money). We are quite worried at the prospect of loosing our home - can they do that with the debt being in his name only as our mortgage is in joint names. We also have children - can they make them homeless?? Thanks in advance for any help you can offer us on this.

Firstly apologies if I am in the wrong Forum, Earlier tonight I was issued with a letter stating that I have been served with a Statutory Demand , I have roughly browsed the web for the meaning of this and am not so sure when exactly it entails, please can someone explain and also advise the best cource of action that I should make. Thanks

first time post - I have just received a letter from BW legal on behalf of Lowell Portfollio I dont understand any of the jargon inthe letter it says I could be made bankrupt if I do not pay or make them a offer I have no equity in my house I am working CSA has a libility order on my house should I make them a offer of payment or will it be better to be made bankrupt I have about 8 other creditors chasing me for money I have very little disposable income I have a 2 yr old Can anyone give me advice If i do nothing what will happen? Has anyone else had dealings with this company

Hi Received a Statutory Demand hand delivered today, from a solicitors firm on behalf of Lowell Debt Recovery, Its for an old credit card debt of approx £4200. On the paperwork it says that the default date was August 2008. I think that it was more than 6 years since I paid anything but Im not 100% sure. I'm planning on visiting a debt outreach centre for advice on Wed next week but am worried sick in the meantime. I've heard that Lowell try to bankrupt people. I can't afford to pay it in one go but could maybe afford £40 a month but I don't want to pay anything in case the debt is statute barred. Any advice please, Thank you

Hi members, I'll start by apologising for another post regarding a statutory demand. I have searched other posts but it seems that just about every case is different. I received my SD on the 8th of January 2013 (after the serving officer informed me in writing he'd be coming on the 7th!) and it relates to a Barclaycard account that has been now taken over by Bwlegal. The debt remains outstanding as I thought I'd cleared this when I took out a secured homeowners loan with Barclays in 2008. My loan was paid out in a series of cheques that I had to issue to my creditors. I believed this was the case with the barclaycard payment but kept receiving demands. The demand notices had the fifth number of my account missing so I thought they'd figure out my payment eventually and ignorantly I'd decided they couldn't pursue me anyway for an account that wasn't then same as mine (because of the wrong account number). I contacted Barclays secured loans department on tuesday (8th) and asked them whether they could confirm that the cheque for Barclaycard had been cashed and if so to what account the payment went but was told by the customer service assistant that that would take too long so the best he could do was to send me a list of the cheques that were issued and for what amounts. I was told this would take up to seven days and up to today I still have not received this information. The last thing I need right now is to be declared bankrupt and loose my home as I have a wife and three kids, the house has a mortgage and the secured loan so I doubt that I have any equity especially if the house is taken away from us and sold at whatever someone is prepared to pay. I do have a car that I use for work so again could do without loosing this. Because of the timescales am I better just trying to offer Bwlegal some kind of monthly payment? also what happens to the money that I borrowed and am repaying if I haven't actually used the full amount of the loan by the cheque for barclaycard not being cashed? I know in hindsight that this should've been sorted out in 2008 or even 9 but I really would appreciate any advice anyone can give me as sleep deprivation is making me increasingly irrational.