A big wet sloppy thank you

wongstack

I have been using this website for years but have never posted before. When I first visited a few years back I was having problems with barclaycard, capital 1 and littlewoods.

I got in trouble when business got slow, the threatening letters scared me half to death, I was so depressed near enough suicidal.

As soon as I started to read some of the other posts I realised that the letters were empty threats, I felt really relieved.

I still have a dispute with barclaycard but capital 1 and littlewoods have been dealt with, now I file any threatening letters in the appropriate place (the bin) and send my usual reply (which I'm pretty sure I got from a thread here)

I'm doing much better with my money situation now I have gotten married and am doing well, as is my business

If it wasn't for this site I may never have known that the threats were empty, the info here may have saved my life

Thank you

the_insider

Have you checked your credit file to make sure that they haven't followed through on any of their threats? I don't want to put a downer on your success story but not everything in every collections letter is an empty threat!

wongstack

Yeah capital 1 and littlewoods have completely backed down, barclaycard occasionally register a default but It's close to a resolution.

They could not produce a copy of the credit agreement so it should all be done and dusted soon

p.s sorry if i have posted this in the wrong place