Hi Everyone, I'm posting this again as I was concerned that it wouldn't be easily noticed tucked behind another thread. I found this forum a couple of weeks ago when I Googled Allied International after they had left me a voicemail asking me to call them. I also received a WARNING card from them informing me that they are acting on behalf of their client LTSB and I should contact them urgently. I had a Goldfish loan which I paid for four years without any problems until I started having difficulties back in Dec 07. I contacted LTSB and asked if I could reduce my payments to £150 a month and they agreed. I continued to make regular payments until I became unemployed in May. I informed them of my situation and asked them if I could make a minimum payment of £2 but they refused and sent the debt to their own debt collection department. I made the £2 payments regardless. However, last month those payments were returned to my bank. The debt was £3,000 in May. I sent a CCA request to Allied International on 10th Oct. I received a phone call last week and I told them I will not discuss anything on the phone. This morning I got another call and again I told them to correspond in writing. They claim they have responded to my CCA request and I should have received it by now. Then he said his work is done and hung up. I took this as a subtle threat that they are about to do something. Could someone advise me what I should do next? Should I just wait for the 30 days to expire and send the 30 day letter? Many thanks.

Last year my grandmother received a letter from a debt collection agency 'MacKenzie Hall' regarding an old debt. I ignored the letter and eventually they phoned us. I didn't admit to the debt because my grandmother has no memory of it. She had a stroke about 5 years ago and since then I've been dealing with her finances. I asked what this supposed debt was for and when it was from. I was informed it was for Littlewoods catalogue and was from 2003/2004 which was when the last payment was made. I told them the debt wasn't ours and not to call again. Afterwards they kept sending letters so I went to citizens advice who told me that regardless of whether or not the debt was ours, as it was over 6 years ago it was status barred and to tell the DCA that if they phoned again. I followed the advice and next time they called I told them that the debt was status barred still without admitting responsibility. I told them if they kept calling I'd report them for harrassment. Last week we got another letter through the door this time from Debt Managers Ltd on behalf of Arrow - Shop Direct Carvel. I just ignored the letter because it's outwith the 6 years limit. Since then I've had a couple of automated 'If you are *** press one' calls from them and another letter stating that a doorstep agent will be visiting to arrange repayment of the debt. I've checked our credit score and it says the debt didn't default until 2008. Does this mean the debt isn't status barred even though a payment hasn't been made since 2004 and we haven't owned up to the debt? They won't leave us alone and it's really stating to stress me out. I suffered from really bad anxiety so having to deal with pushy agents is beyond my capabilities at the moment. Any and all advice welcome. P.S. I'm in Scotland

Hi, Barclays have passed an old overdraft debt (£5k) to Credit Solutions who have been phoning me every day for the past month or so. I then received a letter from power2contact stating they were going to a doorstep visit on behalf of CS. I wrote to CS couple of weeks ago offering a payment of £5 a month as all I can afford at the moment and asked them to not contact me by phone and also sent them the doorstep letter but this is a couple of paragraghs which I am not sure how to respond: ''With regards to your comment of our representative visiting your property, I can confirm that Credit Solutions Ltd offers a door step collection service whereby field agents visit a property to discuss repayment of an outstanding amount. This is simply another option available to our customers to assist them in repaying their debts. In relation to field visits in sub section 2.12 of Office of Fair Tradings' guidlines doorstep visits must give adequate notice of the time and date of visit. The Armstrong v Sheppherd (1959) case you quoted is dependant on each individual circumstance and only such an order to refuse access can come from a court and not from the individual. Accounts referred to Credit solutions are due in full immediately. Where this is not possible a shortterm repayment plan can be negotiated, however this is only to allow the customer time to gather the funds to pay the balance in full. In order to substantiate your account being paid in instalments, we require justification by means of a financial statement detailing all monthly income and expenditure. This should include details of any benefits that you may receive and full supporting documentation inclusive of copies of benefits and wage slips where applicable.'' Could somebody please advise how I should reply to these 2 points. Many thanks

Reference: ************ Original Creditor: Quick Quid Principal Sum: 1,374.00 FAILURE TO RESPOND - NOTICE Dear ****** Despite previous correspondence you have failed to respond and the above debt remains outstanding. We are not aware of any legitimate reason for non-payment of the account and although we would prefer a mutually acceptable settlement, we will not hesitate to take legal action to resolve this matter. We trust that this will not be necessary and would request that you send your payment by the deadline below. If you do not respond to this letter we will have no option than to arrange our doorstep collectors Meritforce to visit your address and review your ability to repay this debt. To stop this action call: 01563 556 544 immediately to make payment or email us at general@mackenziehall.co.uk. Important: If you are not the named person above please contact us quoting M28128832 to stop any further communication. Oliver Green I Have just recieved this email from Mackenzie Hall and im pretty worried about what to do. The property they may visit is my mothers house. However i do not have the funds to pay the sum in full. What do i do. Help would be much appreciated

Hi, I'm after some advice for my father-in-law. He has recently had a visit from Resolvecall but he wasnt in at the time so they left a card saying this was their first visit and to call the office before 8pm. It is regarding a credit card debt with Barclays from about 5 yrs ago. Basically he was made redundant and due to ill health couldnt get another job, had to sell their house and are now renting. They struggle to make ends meet as it is so there's no chance of him being able to afford any repayments. He has had letters over the yrs but has ignored them and this is the first time he has had a doorstep visit. After looking on this site I emailed them the letter (from my husbands email address) telling them he did not wish to make a home visit appointment but they have replied saying they will not stop any future visits until my father-in-law gets in touch with them directly. He is scared to death of them coming round again which is why I am dealing with it. What should we do now? Any advice appreciated. Thank you