Thanks for your responses - have just found out it's capital one!! My my they are persisitant people - any one else had any problems with them and any advice??

Does anyone know if numbers that start 011 are debt collectors - keep getting lots of these numbers showing on my phone

Hi everyone still reading everyday - just about to reduce payments on self managed DMP due to circumstances so am expecting a barrage of creditors calls. Does nayone know if creditors will communicate by e mail rather than by phone as I would prefer this as daughter and partner living with us at the...

hello everyone and a very happy new year to you all. Have not posted for a while but read every day. Occasionally see people say "how do I know if I have a CCJ?" Can you have a CCJ and not know then - I thought you had to fill out lots of paperwork. I am wondering as having some problems with Blair ...

I think someone's been busy in the credit card departments of most banks because I had the same thing from the bank of Scotland today! Also had capital one phoning me because I had missed 0.44p off a recent payment sent to them - I know the banks are in a bad way but it must have cost capital one mo...

Cat your story about HSBC is awful I am so sorry that happened to you. I am such a scaredy cat and would have been an absolute mess if that happened to me. We are doing our own DMP and have managed really well for the past 31 months but needed to take a payment holiday in September ( the first one a...

Is it hard to change bank accounts when you have debt problems though and can you just have a normal bank account i.e. current account or do you have to have some special account?

Has anyone had experience of a bank taking money from a current account to offset against a credit card e.g. if you had a LLoyds bank account and a lloyds credit card? Has anyone actually stayed with their original bank or does everyone in a DMP or IVA change bank accounts?? Why is it when you are i...

Thanks everyone. This forum is soooo good. I used to feel so alone and ashamed but reading everyone's thoughts and tips makes me feel part of a supportive community. [:)]

thought you might be interested in an update - as predicted despite sending post dated cheques for next month so far ten have been processed by the bank. I feel so angry about this as though I was being fair by sending a post dated cheque to everyone to prove that we only planned to miss one months ...

Thanks for that swans girl - hope an expert is available to advise me soon as obviously need to act pretty quickly

fudgelover x[:(]

Soooo now that two of my post dated cheques have gone through what can I do to stop the rest????

Can anyone answer this?? I needed to have a payment holiday from my DMP ( doing my own and first time not sent payment in 31 months) but to show that it was for this month only I sent post dated cheques to all my creditors for Octobers payment. I ahve just checked my bank account and two of those ch...

Just thought you might be interested in this update. As promised we recieved a letter from green and Co Solicitors acting for Direct Line on Friday morning with the usual threats in it and then on saturday morning I received a call on my mobile and spoke to a different lady in collections who was un...

Hello everyone not posted for a while but read daily. We had to cotnact direct line today as arrangement up for review and the lady on the phone told us that our debt was now terminal and so we had to increase our repayments to £250 from £220. We cannot afford this but when I told her this she said ...