A question about : O2 & Buchanan Clark & Wells

Hi there
I was a member here before, but can't for the life of me remember my old username.
I have been an O2 customer for 10+ years, but 2 years ago I had a fall which has left me disabled. I couldn't work, so was in receipt of ESA, which they stopped after a WCA (which I'm disputing) back at the end of May (well, the WCA was before that but my income was stopped then).
Obviously having no income, meant I was unable to pay any of my bills, and relied on help from family just to keep my head above water.

A question about : Help

Hi everyone

I keep getting letters from this address, at least 2 a week

Returns
PO BOX 564
Bristol
BS34 9EY

Does anyone know who they are, I've googled it but returned no results, don't want to open the letters as they are not addressed to me but want to know what's going to come next, ie door step collectors or the like??

Any help much appreciated

Ann

A question about : Creation being a pain with interest.

As it is, if the interest is frozen we will not be debt free until 2029

It was probably the wrong thing to do? but I felt I had no choice hence sent them the following letter. It describes one account where we will be paying Ј40 a month

Quote:

A question about : Lowell

Hi there most of us know that the Limitation Act 1980 clearly states that any debt over 6 years old can't be forced on you and must be removed from your credit file.

I have noticed that although some of my debts are over 10 years old, Lowell are buying them and re-adding them to my credit file regardless of how old they are.

The law states that you can not default twice for the same debt (common sense).

A question about : First I knew about debt

Hi advice please on receiving a final demand for a debt I didn't know I had.
Had item in storage for 6 years and paid monthly by S/O but there has been increases to the rates (I was never informed) and the monies continued to be paid and then I get this letter from debt recovery who 1 minute tell me they own the debt now and then have to speak to the 'client' before agreeing anything.

A question about : Been stupid need help.

Slightly different to most but we had a business which took out an overdraft and then a loan. We had a debenture against our house for the loan which the bank later released.

We then went into liquidation and as the debenture was released we thought we were safe against the debt. Then pops up an old personal guarantee that we'd signed 9 years ago and duly forgotten about.

A question about : CONFUSED Full and final NOT WITH zero balance?

As some of you know, I'm in the process of doing full and final settlements. I used a pretty standard letter to set out my terms, including that I wanted the balance to show as zero on my closed accounts.

A question about : Default and interest?

Hi,

I'm planning on switching my DMP from Payplan to StepChange - probably not worth going into details as to why. From my limited experience, these things generally don't go smoothly and I imagine a few payments to creditors will be late during the transition.