Something bad going on (Bailiffs?)

PS: I live in Manchester, my Parent's live in Middlesbrough. It's not even close.

OK I just phoned the Halifax. Actually wasn't so bad.

I was over £400 in arrears on a card with a £500 limit. They accepted a £38 payment on the phone since they said it was going to another agency if I didn't pay at least that at the time. They also accept an agreement of £50 per month by direct debit to pay off the remainder.

When asked if they have phoned my Parents' and my parents' neighbour they said the only numbers they would ring are the ones they have on file. He read them to me. One was my mobile and one was my parents'... he insured me that they would not have phoned anyone else. I'm completely confused now. Either he's lying or someone else is looking for me. !!!!!!.

hollydays wrote:

Glad your getting it sorted,the rest is a mystery!

Got to the bottom of this (well, sort of). Series of phone calls from me to other creditors.

I phoned Halifax through the main switchboard to ask them about the call to my neighbour. She said it won't have been them but put me through to the current account debt collectors (I used to have debt to them). They said it definitely wasn't them.

Dad then decided to tell me some useful info a bit late In his words "Does Wescot mean anything to you? Because that's who phoned Hilda". (Hilda's my dad's neighbour). Wescot are who bought my debt off my Style store card. I'd only just set an arrangement up with them the other day so this was odd.

I called Wescot in any case and the woman sounded as confused as me. "Nobody's called over this account" she said. It sounded like I had more than one debt collection account with wescot the way she worded it so I enquiried because I was a little in the dark on this one :-\ She did a search at both my old address and my current address which showed nothing. Still mystified, but at least I know who it was. The best explanation she had was that there must have been some sort of a mix up.

Nightmare I'm praying that's the end of the nightmarish calls now because AFAIK *every* creditor I owe money to has accpeted an arrangement. This totals approx £200 a month + the usual bills and car insurance. Now I need to work out which ones cost me more in interest and make additional payments on these I guess.