Took the car into Crawley Branch this afternoon, Front passenger tyre had a gouge in it and spare had a punture. On the website it stated the arrowspeed was £45.00 fitted I turned up without booking an appointment and asked them to check all my tyres, all within legal limit and he said they were fine, I HAD to point out the huge hole showing through to the metal. He then advised me I needed a new tyre and the spare fixed. (Awesome on his part as I had already told him that was what I wanted) I asked how much this would be and was informed £151. Pointing out that the new trye was only £45, I enquired how fixing a puncture in the spare would cost £106, as I could have 3 new tyres for £135. The response was, I'm not in the trade and didn't know what I was doing. PLEASE, PLEASE PLEASE look elsewhere when you require new tryes.

Having been on this forum for sometime and seen all the changes that have occurred I have this observation. An Enforcement Officer cannot go north of the border. Correct I believe so they use the Sheriff instead So the question from me is if the debt company is registered in Scotland are there any rules/regs that do not allow them to do business south of the border? The reason is if the DCA is registered in Scotland why are they allowed to enforce in the English law system if they themselves are governed by Scottish law? Smack me in the gob and laugh I do not mind but it is just an observation that is all

U know the entries, in Experian for example, Account Information, even tho most of my entries are satisfactory and settled, how long do these entries stay on file, is it 12 months from the date it was entered by experian as i know with searches, they stay on file for 12 months from the date u was credit checked.. and also is it better to have less entries ?

Hi there, I'm not after sympathy or even understanding, I would just like some clear idea of how to get myself out of the bed I've made and how to get back into the black. When I was 19/20 I was at university, I had a pretty decent part time job at the weekends and could easily pick up overtime to gain a couple of hundreds pounds extra a month. It was ideal. However, I got into drugs and suddenly the relatively large amount I was earning wasn't enough to cover it. Well, not so much the drugs, it was the fact the drugs were eating into my essentials budget, so I had to borrow money in order to buy essentials (or so was my messed up logic). Pretty soon I was borrowing from Payday Loan providers, namely Wonga. Eventually I was borrowing my entire months wage before I had even been paid and it was instantly going back out to Wonga. I then had to take other Payday loans to cover the interest and pretty soon the whole thing crashed down around me. My bank closed my account (which had a student overdraft), my parents kicked me out and stopped talking to me (so I had no post forwarded to me), I even dropped out of uni - who I also owe money for student accommodation. I had a second student overdraft too. I then moved into a friends, was unemployed for a year due to the job market, got into debt with his dad as he was the landlord, under the guise I would pay him for my time there - most of this I have paid off. I worked for bare minimum wage for a year, barely enough to cover the rent I owed plus the rent i was accruing. I think, in total, my debt is probably in the region of around 15-20k with all the interest included. However, I actually got a break last year and found a decent job and I have a fruitful career ahead of me. I'm finally in a position to look at repaying my mountain of debt but I just don't know where to start. I don't want to call the creditors I know I have and have no idea where I stand legally. It's been at least 3 years since I defaulted on my loans, with absolutely no contact or payment to any of them. I know I have a terrible credit score because I was refused a mobile phone contract and because my bank wont upgrade my bank account from a basic package - even though I earn enough to satisfy their criteria. I'm also sure my debt has been passed around to various debt collection agencies. I buried my head in the sand in a very real sense, petrified of what I would find when I came out. I've certainly grown up since the mess I was in university and I obviously want to rectify these mistakes. I know I should probably contact CAB and do this properly but I was hoping someone on here would give me some clear idea of what steps would need to be taken. For example, would it be better for me to contact each creditor individually and negotiate the sum I owed or is this something a DMP would do for me anyway? Is there a way of finding all my creditors, such as a credit report? Or will that just declare the creditors which have listed me as defaulted? If I repay these debts, does this mean my credit score is damaged even further, meaning I have to wait 6 years for it to reset? Or will it just be listed from my original default 3 years ago? If I go on something like a DMP, can I try and rebuild my credit while I make regular payments? I know you probably can't answer all these questions, or even answer them with any certain accuracy, but I thank you all the same. I hope one day I can use my experience to help others in my situation, and prevent even more from getting there in the first place. Thanks for taking the time to read this.

I had a letter from Capquest in September who are trying to pursue a statue barred debt. The 6 year mark passed just last month and they thought they would be kind enough to send me an offer to "Close the matter once an for all" Their offer made me laugh and I just thought I would share... "The client wishes to come to an amicable arrangement whereby your account can be resolved, we are authorised to offer you a large discount on your account. The Offer: We are authorised to accept full and final payment to settle your account, saving you a substantial amount of money. This saving has not been previously offered and this saving will not be offered again by us." Wow, aren't they so generous...