Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I need some serious help or advice. I can't cope any more.
I am 23, and have about £15000 of debt which is a mix of personal and self-employed debt. I have now, for year either tried to make ends meet by aranging payment plans or by borrowing more and more.
I have now come to the end of my tether. I have just had a moment of realisation. I am now unemployed, and claiming JSA, which is only about £200 per month. I have over 30 creditors and just cant cope with all the stress any more.
I am, as we speak having to apply for payday loans with fake details just to find money to survive on. My parents cannot lend me anything and I have no other family. I have tried to find work as self-employed but cant take it on because I can't afford the costs I would incur.
I am applying for loans and credit with my details and fake details at a rate of probably ten a day I just cannot cope any more.
Someone please advise me from "outside the box" because I am going to bed in the minute and hope to god I don't wake up.
Re: I need some serious help or advice. I can't cope any more.
OK where do I start.
I have got to find money to make repayments on some accounts, but realise they are not priority. I live at home at the moment, but I have to contribute to the costs of running the house. My mum has some sort of depression and "as long as she is OK" then to hell with my despair.
I have no support from nobody - absolutely nobody.
I have got accounts from railway companies and hotels from being self employed who are due for payment and if they default, i would never be able to go back into self employment in the future.
Re: I need some serious help or advice. I can't cope any more.
Even the rail and hotel companies are being hit. Trust me, you'll be more than able to go back into self employment.
FIRSTLY and foremost you look after yourself and then your family. IT's that simple.
Second, you now have the support of over 250,000 people. Most if not all have been in the same situation as you. We have all had a blip and we are all still here.
When you get time, list all the accounts that you owe money to, when they were taken out, what you owe, any charges on the accounts, etc etc.
We will help you with each one.
Seriously, nothing bad CAN happen to you. So get a good nights sleep.
I'll check in tomorrow.
JOgs
Blackhorse Finance : Isssued court papers for £3400 and return of car, settled for £1000
Lloyds TSB : SAR request taken all the way to Court, Damages awarded.
Lloyds TSB PPI : FOS found in my favour, awaiting settlement figure.
Capital ONE : Issued Court papers, refund of £635.38
Barclaycard : Refund of charges £456.16
Re: I need some serious help or advice. I can't cope any more.
Originally Posted by vtrn
OK where do I start.YOU HAVE MADE A START,RIGHT HERE ASKING FOR HELP
I have got to find money to make repayments on some accounts, but realise they are not priority. I live at home at the moment, but I have to contribute to the costs of running the house. My mum has some sort of depression and "as long as she is OK" then to hell with my despair.
I have no support from nobody - absolutely nobody.YOU HAVE JUST MADE FRIENDS WITH OVER 2000 CAGERS.
I have got accounts from railway companies and hotels from being self employed who are due for payment and if they default, i would never be able to go back into self employment in the future.
please do not apply for any other loans
lets see what we can do
and remove all thoughts of hoping not to wake up again
at the end of the day nothing is more important than your life
ANY MONEY PROBS CAN ALWAYS TO SORTED
SAM
SAMLOWELL DETESTER.
SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.
PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.
OR IF I HAVE HELPED IN ANY WAY.
Re: I need some serious help or advice. I can't cope any more.
Hi vtrn,
I just wanted to wish you the best of luck and trust me when I say your in very good hands on this forum. I am in a similar situation as you and the CAG group made me realise that debt was not worth loosing sleep over. Please try and stay positive. In this current climate with you being unemployed and you not owning a house, really a creditor cannot do very much.
I think this has been a rough year for many of us financialy.
Re: I need some serious help or advice. I can't cope any more.
hey matey think about it, money problems are money problems they can be solved.
terminal illness is terminall illness it cannot be solved.
which would you rather have? money problems or a terminall illness?
Believe me I lved in the middle of debt for many years and could see no way out, 24/7 my debt lived with me. I got throught it and I am now out the other side, although I do realise it does not take a lot to loose control again.
My sister had no money worries but she did have a terminal illness, she is now dead.
We can help you get your life back on track and take control.
Re: I need some serious help or advice. I can't cope any more.
Hello havinastella, and thanks for yours, and everyones replies.
Went to sleep yesterday all down in the dumps and woke up this morning feeling better, until I realised Michael Jackson had kicked it. Could life get any worse? Seriously though, I am a bit more focused today on things. Here is a list of my Creditors that are currently on my Income/Expenditure Sheet. IE those I have defaulted on. Some of these debts are so old I have only put down the information I can remember to hand….
Business (Self Employed Debts)…
· Caveat Emptor DCA (Viking Direct Business Supplies) - £47.64
· Credit Security Ltd (Euroffice Business Supplies) - £122.43
· The Fuelcard Co Ltd - £219.08
· Atos Origin IT Services - £492.00
· Simon Jersey Uniforms - £84.55
· Regal Credit Consultants (Blackwell Corporate Account) - £408.76
Personal…
· Booksdirect - £136.00 (not heard from since early 2008)
· Studio Catalogue - £130.00
· Yves Rocher UK Catalogue - £157.00 (not heard from since early 2008)
· NDR Ltd (Great Universal) - £214.04
· La Redoute – Apparently written off.
· virgin mobile – Apparently written off.
· Iqor Debt Recovery - £247.14
· Icon Collections (Payday Express) - £337.71
· Roxburghe (Next) - £347.08
· EOS Solutions (Style Card) - £334.87
· Aqua Card - £267.33
· Ultimate Credit Services (Payday UK) – Unavailable Balance, currently in process of writing off debt.
· EOS Solutions (Avon) - £416.33
· Reliable Collections (Premier Man) - £171.59
· FC Consumer Finance (Quickdosh) – Disappeared off the face of the earth £520.00
· Cabot Financial (Vanquis Card) - £540.27
· Debt Managers Ltd (Barclaysoverdraft) - £597.68 – suspended for three months until my situation improves.
· Credit Resource Solutions (Samedaycash) £414.42
· Welcome Finance - £3519.16
· Capquest (T Mobile) - £147.62
· Lewis Group (Oriflame Cosmetics) - £45.00
· Abbey Bank Overdraft - £85.62
And there are also some bills, which I try my best to keep on top of because they are absolutely essential for the running of my self-employed business, when I am NOT claiming benefit I might add. The majority of any money I do earn from Self-Employed goes to pay these.
· £75.00 due to National Rail Business Travel Service at end of July.
· £35.00 due to Travelodge Business Account Card at end of June with another £70.00 due at end of July.
· £145.00 due to Premier Inn Business Account due in the middle of July.
I also have one CCJ, set at £10.00 per month for a Citibank Overdraft and this is paid via Bryan Carter and Co.
Now the debts in BOLD have been really accommodating of my circumstances. The companies in red have been the worst to deal with.
So far, I have CCA'd them already, and had a debt from Freemans written off as well as nearly £400 in charges refunded to my Premier Man Account, then I made pro rata payment arrangements with them all. Stupid me though, as I was telling you I was so desperate I kept looking for credit and adding to the debt.
I cannot provide any more information then I already have given you. I am on here all day now, so feel free to ask as many questions as you wish.
Re: I need some serious help or advice. I can't cope any more.
Hi vtrn,
Well done to you for managing to get some debt written off! Any chance you could PM me the letter that you are using for that? Would like to give it a try myself as ive got an old mobile phone bill that am getting nasty letters about. The bill is 4yrs old and I really cant afford it.
Re: I need some serious help or advice. I can't cope any more.
Welcome vtrn!
You're amongst friends now!
Listen to the advice and you won't go far wrong. Caggers are really supportive and not just that, they are also constructive and will try and offer advice and solutions where possible. I think most of us have been where you are at some point - and guess what? We've come out the other side stronger and much wiser . You'll have help to sort out your priority debts (those that have to be paid) and the others won't seem so daunting.
Re: I need some serious help or advice. I can't cope any more.
Hello. I'm new on here. I've been pretty much harrassed by Roxburghe for a while now and not sure what to do about it. I can't afford to pay back the £580 I owe (from Next) and I'm losing sleep over it every night.
I can't even answer my phone anymore. I've had a letter today saying unless I pay the full amount within 7 days, I'll be passed on for further action. I wish I could just write this off, but I'm pretty much living hand-to-mouth at the moment whilst trying to pay other stuff off.
It helps a little bit at least that I know I'm not alone in this situation and I've managed to find this forum. I think I'll read as much as I can and work out how to get out of this...
Re: I need some serious help or advice. I can't cope any more.
hi vtrn. you have come to the right place to help you and look,,,,,,someone is already asking you for advice!!!!!(cagger 120805), think positive. in no time you will be in a better place. your young and can re build. loads of luck marie.
Re: I need some serious help or advice. I can't cope any more.
Hi can somebody help me, i took out a car finance with black horse 3 years ago, to cut a long story short i got myself into a lot of debt but have managed to pay most of it back slowly over the last 2 years. The last one is black horse, i have defaulted on payments and they now want the full money. The car is now worth about a quarter of what i still owe on it and i just dont know what to do next.
I need some serious help or advice. I can't cope any more.
with fake details just to find money to survive on. My parents cannot lend me anything and I have no other family. I have tried to find work as self-employed but cant take it on because I can't afford the costs I would incur.
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Originally Posted by vtrn
LOWELL DETESTER.
. You'll have help to sort out your priority debts (those that have to be paid) and the others won't seem so daunting.
