08433770021

As long as you remain in contact with your creditor legally nothing can go to court, they can only go to court if you refuse to pay anything, or ignore them!
If you offer just £1.00 per week they have legally got to accept as you are still honouring the debt. (this will not stop them pushing for a higher rate)
However if an agency contact you on behalf of your creditor the rules remain the same regardless of any threats they make.
If they do manage to take it to court, the court will make an arrangement for you to pay the debt through them, if you can only afford £1.00 per week then that is ok and you will have no CCJ.

If they add interest to your debt and you are still paying towards the debt then they are too at fault as they are obstructing your legal right to pay off your debt.

I've had these idiots pestering me for the past couple of days! I have not had a debt let alone a credit card for over 4 years and I recieved a letter asking me for £678 that I owe! I rang them saying i have no idea where this has come from or what it is can you tell me? They replied with it looks like a store card. I havent had a store card for 5 years! They said they would look into it as there may have been a mix up. I signed up to experian credit report to have a look to see if there are any accounts not paid or I owe, there is nothing, no debt exists under my name but yet every day without fail I get a call of a rude man asking me for payment, I explain again I don't know what this is and I ask them where it has come from and they don't have a clue! Not a single I dea and now they are asking me to prove that I don't owe a debt that doesn't exist! He wasn't very happy with me when I broke down in laughter at this suggestion! How do you prove you don't have a debt and nothing exists! These people are useless and rude, they are obviously target driven on the phone as if there is a problem with your account they are not interested and just want to move on to the next call. I actually look forward to my call off them now as it provides a slight degree of entertainment to here such an unproffesional outfit not have a clue what they are doing! I may as well just sit at haome start tapping in random numbers in my phone and ask whoever answers it for money!

I've just received a couple of calls from Fairfax Solicitors.  I refused to answer any security questions as I had no idea why they were ringing.  I googled them and it seemsthey were formerly Eversheds and chase CSA payments.  My mortgage is now up to date (Eversheds were involved with my mortgage provider previously), and I have nothing to do with the CSA.  Any ideas?  Thanks.

they also collect on behalf of the inland revenue if your tax is late

had two calls from this number today. don't know who it is and i am certainly not going to ring back (premium rate phone call? who do they take me for?) but this site tells me it is fairfax solicitors. they are doing their job but they have been courteous with me so far. however, they do go on . . .

Dont worry about any threats about taking you to court-a court may actually be more helpful and less arrogant in trying to work out what you can pay per month than some idiot with an attitude in a call centre! Tell them that you cannot afford to make an increased payment, but you will pay what are currently. Ignore anything else they say, but remain in contact. If they wish to send out any forms of your expenditure to fill in as proof as to what you can afford, so be it, just fill it in and send it back. DO NOT let them get to you. As long as you are paying a set amount each month, and stay in contact with them, you have nothing to worry about. If you pay monthly and they continue to constantly call or contact you (eg phone calls every 2 or 3 months trying to get you to make an increased payment), that is harrassment, and you can therefore be the one to threaten them :) by reporting them to the office of fair trading (OFT)... read the info here.. (money saving expert) :-
http://forums.moneysavingexpert.com/showthread.php?t=3558031

Dont worry, the court would be the very last place they would take you, and EVEN IF that happened, a court would be alot more helpful than a call centre in arranging repayments :) If fairfax call you constantly (eg every three months or more) when they have no reason to believe that your income level has changed, you can report them to the office of fair trading. You cannot pay more than you can afford, and when your financial circumstances never changes, you have no reason to ever 'make an increased offer'. Try and remember that last piece of advice :) If you have any questions try posting for advice on http://forums.moneysavingexpert.com/forumdisplay.php?f=76

These are some good replies, but to everyone... if you cant get the advice you want quickly enough on moneysavingexpert or consumeractiongroup.co.uk,  then give Consumer Direct a call instead, they will be able to tell you what rights you have and what may be considered as harrassment from these debt collectors. You might want to have your letters from Fairfax when phoning to be able to quote exactly what they say:- http://www.direct.gov.uk/en/Dl1/Directories/U ... tacts/DG_195948

This [***] Jorge Alvarado (Jorge and Jose recycling) won't stop soliciting. If you get these numbers they are not legitimate recyclers tel#'s are Jorge 510 860-9352 and 510 240-9023  Jose 510 586-6256 report them to your local police. They solicit in various California Bay Area towns

i had debt i needed to pay and i had a debt collectors notice put through my door. on calling them we made an arrangement to have the money paid, i was unemployed at the time and they wanted me tom pay 300 in two weeks, it may not be much but i am currently unemployed. i was a cpl days late and i recieved a call by the previous fella who made the arrangement with me and wen i said that i was doing abit of work for a mate so he would have to wait a cpl days he became really annoyed and started telling me i waqs a liar n that he didnt care abt my situation and what not...i mbecame extremely angry and told him that if he turned up at my house i would wriyr his face off and that i nwould throw him off my balcony...he never did contact me after that, neither the agency....i now have this number call me today and typed it into the net n found this site here but i wanted to know if som1 could please advice me......

if i make an offer do they have to except it by law...........as previously i was not told this and they asked for sumthin i could not give them....