New Member

[ceylon]

could be they have done strange things in the past

[chrisw10]

lol,

I have also started the game with Barclaycard and MBNA, i have posted on the relevant board and will keep updated, Just Barclays O/Draft and Barclaycard loan left to contact me so i can start with them.

[chrisw10]

Hi All

The final player of the game has made contact with me, Barclaycard Personal Loan, Just one question do i use the Bank/Credit card letter to deal with this one, and do i send them to CEO Valerie Keating and cc their collections department who have written to me (no name to respond to), i'm sure this is the case but want to be 100%

Thanks again!!!

[guardianofwithinaolcom]

yes use bank letters.

[chrisw10]

yes use bank letters.

Thank you !!!!

[chrisw10]

Hi, I am so glad to join you all, this site has given me the motivation and hope that i needed to see an end to all this debt gloom i have. I know feel positive about there being a way of dealing with all this misery which has been dragging me and my family down.

I can;t wait to post my results on the forum and tell as many people about this site.

Here is a breakdown of my situation:-

Barclays Overdraft 1 = approx £3000
Barclays Overdraft 2 = approx £3500
Barclay Card = approx £1300
Barclays Loan = approx £5000
Cabolt = approx £4200 (was Egg credit card)
MBNA Credit Card = approx £3200

I defaulted on all these when i was made redundant from work about 2 1/2 years ago and sent them token payments at the time of £1 under advice from government help centre for about 6 months.

Over the last 2 years have started paying them back in agreed monthly payments, but this is costing me over £500 per month combined and i'm sick of having no life as the majority of my wages is used up on these bills.

I am back on good terms with all the lenders although they have removed all my facilities, there is only the Egg debt which is in the hands of a debt agency, Cabolt who ring me every 6 months to review and push me to increase my payments. (they are calling me know but ignoring them at the moment)

So can you guys help me with these questions...

Should I stop paying them first and wait for them to contact me then send the letters?

Should I deal with them all at once, or one at a time?

Any advice is most appreciated!

So all the above have now joined the game and there are individual threads started in their relevant boards with updates and progress, copy letters i have rec'd etc for each of them. I will try and keep each as up to date as possible with as much info on how i am playing the game and how they are reacting to this process.

I hope my information will help with your own game, and thanks to the people who have been helping me with mine and in advance for the future!

[chrisw10]

Just a general update. seemed to be getting bombarded with calls recently, i just ignored them before but now i am a bit braver i ask for their full name and to spell it, when they have done that i ask them which department they are calling from, they say they can't answer this without going through security, (good old DPA) I explain that I obviously wouldn't give out my information over the phone without knowing exactly who i am speaking with so we are going round in circles, i then tell them if they are not going to identify themselves I have logged the call and will be bringing a case for harrasment against them for nuescence phone calls and hang up.

[samoo7]

they don't even ring me

[chrisw10]

Try this next time you gat an unwanted call:-


Them "Hello MR/Mrs ******"

You "Sorry not on this number, but i do have a landline number for him/her"

(sense their excitement)

You "have you got a pen?"

Them "Yes!!!"

(Excitement building!)

You "The number is 01"

(Pause for dramatic effect)

You "21"

(Pause again)

You " so thats 01 21"

Then hit them with "DO ONE!!!!!!"

Hang up

0121 DO ONE, best number in the world!

HA HA HA !!!!!

[keymiester]

Try this next time you gat an unwanted call:-


Them "Hello MR/Mrs ******"

You "Sorry not on this number, but i do have a landline number for him/her"

(sense their excitement)

You "have you got a pen?"

Them "Yes!!!"

(Excitement building!)

You "The number is 01"

(Pause for dramatic effect)

You "21"

(Pause again)

You " so thats 01 21"

Then hit them with "DO ONE!!!!!!"

Hang up

0121 DO ONE, best number in the world!

HA HA HA !!!!!

Guess that's a Birmingham number then