Have you been hurt by Debt?

[andrew1]

Originally Posted by sillygirl1

Guess who came home to a card from a certain company (second charge lender) to call a number - and who isnt... breach no 2 of the OFT Guidelines.....

Trouble is, they are only 'guidelines' not legal requirements and some of these companies don't even pay lip service to them. That's the whole damned trouble.

[lufc]

well ive followed every thread and advice from folk and havent got any were with crediters..for over 10yrs ive been under the mental health team for server depression , anxity panic attacts ,and suiced attemps,only thing crediters have done is make my health worse by harrasment by phone and letters ...oft ,credit consumer fos wasnt botherd how crediters have treated me ..so bascily i carnt see no way out of this mess im on state benfits D.L.A .INCOMPACTY BENFITS thinks theres only one true way out for me that in a wooden box then they will not get a penny

[andrew1]

Originally Posted by lufc

well ive followed every thread and advice from folk and havent got any were with crediters..for over 10yrs ive been under the mental health team for server depression , anxity panic attacts ,and suiced attemps,only thing crediters have done is make my health worse by harrasment by phone and letters ...oft ,credit consumer fos wasnt botherd how crediters have treated me ..so bascily i carnt see no way out of this mess im on state benfits D.L.A .INCOMPACTY BENFITS thinks theres only one true way out for me that in a wooden box then they will not get a penny

lufc - stick in there - the wooden box is for later, nows the time to enjoy the reason our maker put you here in the first place - TO LIVE... don't let these people get at you any more than they have - it's your life to live - not theirs.

I have a mate who is a tight ole devil - I said to him " you can't take it with you" and he said "I know but I'm working on it"

So anythings possible! Keep smiling...

[loopinlouie]

Hi Lufc, I know exactly how you feel, so hang in there, these dca's deserve a poo on the shoe type of award.
They even told me last year to write letter stating how affecting me and the illness, as in epilepsy and that they would consider cancelling the debt. They said they were sorry for harassing me as well!! Obviously I was over the moon. I did as said enclosing even dla details of illness and heared nothing. I rang they said they had received it, but would never have said they would cancel debt, I was at my lowest then. I think they must have some real sickos who work for them who deliberately lead us up garden path, just so we are more vulnerable when we get the next letter. Does this make sence?
They also said received letter for cca in april last year and didnt reply to that to. Still paying them but will stop soon.
Point is i'm still here and although its easy to say untill next letter arrives!! I'm not their property, so they can go forth and multiply, as long as that doesnt mean changing their names again, but we wise up to that too.
The only box we should need is to send a nice award to them as previously said, Just Joking Keep your chin up

[sillygirl1]

Originally Posted by loopinlouie

I'm not their property, so they can go forth and multiply, as long as that doesnt mean changing their names again, but we wise up to that too.
The only box we should need is to send a nice award to them as previously said, Just Joking Keep your chin up

I like to tell them "Go forth and do NOT multiply..."

[loopinlouie]

Quite right sillygirl1, I should have thought of that as I was posting it

[babybear39]

After thoroughly reading every post (my heart goes out to those of you who have been treated so appallingly), and a few tissues later, I'll tell you some of the worst treatment I've had to put up with from these *****

When I got into debt I was was married and we both had excellent paying jobs. Then my husband suffered a severe breakdown and was diagnosed with a severe mental health condition, during which time my mum died. My OH lost his job due to the severity of his illnesses and I was already under a psych. team for some of mine and various other specialists for physical illnesses. But I struggled to work because my OH's insurances for various debts including mortgage were refusing to pay out for ludicrous reasons. I fought them and won some but it all got too much. Our marriage broke up because of this stress and continuous harassment for payments. We sold up and paid off as much as we could.

I continued working and lived with my daughter, but the stress got too much and I was forced to give up work due to severe PTSD, agoraphobia, AS, dyspraxia and multiple physical illnesses.

In Autumn 2006 DCAs started getting very nasty and I was terrified to answer my phone or open my mail. I told them time and time again that I was registered disabled and longterm ill but they refused to believe this and taunted me with it, saying all manner of things including what another poster has said about me being an unfit mum if I was so disabled and unwell. One DCA even said they would report me to my local social services and I was stupid enough to believe them. Then, in December 2006 I suffered a toxicity syndrome from a reaction between medications and this was potentially fatal. During this time I was receiving threatening calls all the time and was terrified. My Ex was looking after me and answered some of the calls explaining how ill I was. The DCAs promised to note their records to that effect and the abuse stopped for a while.

When I'd recovered from the toxicity I decided to apply to university to study for my BA Jounalism as our local one is excellent with support for disabled students. I got my place and started looking forward to a new future.

Then the nastygrams and calls started again until I was in such a state I contacted nationaldebtline who gave me great advice and also directed me here TS were also very helpful and took over all dealings with the DCAs. CCCS advised and helped me find a charity to fund my bankruptcy, even supplying a letter of recomdention to the charity. The charity agreed to pay the full cost and I my bankruptcy petition was granted on 1st November 2007. I was so embarassed but the court staff, judge and OR have been great.

I'd rather have my health back and pay off those debts but I had no other option as it was making my disabilities and illnesses worse.

There is a way out, maybe not for everyone. At least I have a fresh start now...

The shame is fading and I'm doing well at university

[montaguegg]

Its difficult to say but I always had to manage the money my OH was self employed and just handed his money over to me at the end of the week,we had debts but they were manageable.
Then the double whammy hit I was diagnosed with ovarian cancer it had been missed in a previous test and was now very serious,OH could not cope and left,so it was just my 19yr old daughter and 2 sons we had very little money and only my elderly parents on pensions to help.
Those 18months to me are a blur ops,radiotherapy and chemo,I believed she was paying the bills.
When I found out she had not I was so angry and thought I did not care I will probably die anyway.
Then I was angry with myself and decided to sort it all out.
I felt really liberated and wrote letters and started paying everyone £20 a week naively I thought this would be ok.
I never really had any problem with Hillesden securities but BC was a nightmare,I was told by Alliance on one occassion to hurry up and pay before I died and on another having asked all sorts of intrusive questions about my finances to use money put by for my funeral,I believed I had to answer their questions.
Mostly its all paid now only one debt is outstanding but I still have sleepless nights and I still feel sick with fear when the doorbell rings or the post comes.
I have found myself ridiculously burst into tears when someone is nice to me or takes time to answer a post.
I think the worst thing is how hard its been for the boys they saw their mum nearly die and at first I did not tell them about the debt but I had to as money is so short we live on £200 a week I pay all my own bills and HS £40 a week sometimes we only have £30 for food etc but they never complain.
My sympathies go out to others who have suffered I do understand.

[babybear39]

montaguegg We're here for you *hugs*

Please contact nationaldebtline and CCCS.

[montaguegg]

thanks babybare appreciate the hugs...

Am nearly at the end of the long road now..

Apart from one debt so soon maybe the sun will shine again

[babybear39]

You're welcome

Try calling CCCS for free help and advice. Here's the link and the number's free from a landline too:

CCCS - Free Debt Advice from the UK's Leading Debt Charity

You shouldn't be paying them that much per week and CCCS will help you with income and expenditure forms and letters for creditors explaining your situation. You shouldn't be struggling so much, you should pay them ONLY what you can afford...

[montaguegg]

now the worst has happened my housing association says that if I di not get rid of my dogs they will evict me...

I do not know how to tell my boys they are all they have they sleep with them love them and take care of them

the dogs do not do anyone any harm the housing association say people complain about them but they do not do anything and my neighbours say its they have not complained.

whats the point anymore I could quite easily end it all now.

[babybear39]

Get straight onto your MP and demand they take this up as an urgent matter. Please don't do anything rash and come here for more advice if you need it *hugs*

[sosumi]

Hi Montaguegg,
Please listen to Babybear. xx

[montaguegg]

ok thankyou