i suffer from heart condition

my wife had an op 18months ago and we are slowly getting in more debt as she was off sick for four months and just ssp

i took out credit cards etc to keep us going

now we are paying so much out each month

two weeks ago i bought some shoes clothes for us both on a catalogue as we hardly had anything,

we have a santander overdraft £600 which is nearly used

90 percent of the debts are in my name

and just £500 in my wifes name

keep wanting to sort things out but scared to do so

my wife works

i trying to secure work

dunno how to cope with this

i could not get a simple bank account as still got overdraft with santander

have set up a cashplus account so wifes wages can go in that

just scared of the phonecalls which will come etc

when we start sorting this mess out

we have £4700 in debt total,

want to pay it back its our mess

but need to sort budget and be able to live but pay back our mess up pls help

I'm sorry, but please could you represent your story with proper spacing and punctuation. Also without abbreviations so that we can understand it.

I'm sure that there are lots of people here who would like to give you some very enthusiastic help but trying to decipher your post here is very difficult indeed. I'm closing this thread please start a new thread.

done it

well the simple answer is you don't answer the phone

put it down after stating writing only please.

you are under NO legal obligation to talk about your debts with anyone on the phone.

can you list you debts please [£4700 is peanuts and easily dealt with]

who you took the credit out with

when you took the credit out

what type of credit is it

who is currently chasing you now for the money

is this debt with a DCA if so name them

when you last paid the account

thank you

Thankyou dx1000uk for your help ! very much appreciated

it was very constructive !

jcacamo 2012

jd williams 2013

premierman 2013

capital bank 2 cards 2014

santander overdraft 2013

vanquis 2016

im upto date to end feb but cannot keep going much longer as we not eating much etc

£4700 sounds alot to me

sorry bankfodder that i not good at english

im trying harder this time

ok so mostly recent them

the catalogue ones you can all but ignore or pay them a very low figure

are these all still with the original creditors

or are there DCA's involved now?

yes with original creditors

but what about the santander overdraft £600 they will probably add charges on when i cant pay it back as we have a new bank account

that's ok

they can add what they like

bank charges are still unlawful and so are the penalty charges the others are adding or going to add. [those pesky £12 ones late over failed DD etc]

you 've don't the most important thing

and that's get your income away from any one you have debts with yes?

my wife is going to give bank details to her boss its my bank account but i have been told she can have her wages paid into my account

as her account is not done yet

iassume thats ok as i asked someone at the bank if you can do that

yea sure you can

no debt with that bank or their cards I hope...

if you click our library tab

you'll see a debt collection section

in there are various letters

might pay you to send each lot the one that offers short payment as your in trouble

wow thats good its not a joint bank account its only in my name

so my wife can pay her wages into my account

never really knew that ! no debt with that bank no i assume not its a cashplus account aps financial

thanks for your help can you pls let me know i am ok doing all the above

ive gotta amit i'm not too happy with what you appear to have

https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=cashplus+account+aps+financial&sa=Search+CAG#gsc.tab=0&gsc.q=cashplus%20account%20aps%20financial&gsc.page=1

have tried the co-op, they do online accounts needing minimal credit rating etc.

that's another thing you might want to do

pop off and get yours and your wifes' credit file

noddle clearscore and Equifax are all free.

lets see what shows.

you say your not happy with what i have i looked at link but dont really understand whats wrong with cahplus account so i know

not seeing very good things if it goes bad

ie defaults and lack of money

look at the threads in that link

not any real diff from a bank account in terms of that I suppose

can you do DD's and stuff from that type of thing though?

its a pre loaded card, not a bank account..

it has a preloaded card but you can do bank transfermdirect debits standing orders pay your wages into it etc its banking is done by natwest or is that processing

so its not illegal for me to have my wifes wages paid into my account then

ok then

no ofcourse its not illegal for her to do that.

get it our of anyones hands that you owe money too.

might pay you to get those credit file

and poss and SAR to satans bank too.

be that OD's got lots of penalties charged?

its just i am surprised as its only in my name and she can have her wages paid into it thought we be in trouble with money laundering rules i nearly died last year so i worry and brain freezes so thats why i have bad grammar moments

nothing to hurt you getting this lot a bit more settled and get an account in joint or her name at the co-op

have you tried them

you can do it online

hows the credit files doing?

not checked credit files yet looked at coop bank but i dont think we be able to do it as i think as there is a credit check and we have limited id im looking for a simple account at coop but cant see it

http://www.co-operativebank.co.uk/currentaccounts/cashminder

its for people with bad credit

but go get your files.

all you need is an account to verify you - a debit card that's it - doesn't matter to get your credit check if its a trashed account

not checked credit files yet looked at coop bank but i dont think we be able to do it as i think as there is a credit check and we have limited id im looking for a simple account at coop but cant see it

Hi,

I think they will all do a credit check to confirm your identity, most basic accounts need proof of address plus one piece of ID.

Co-op Cashminder is their basic account.

*EDIT *

As dx has pointed out above.

Good morning worried man,

you've come to the right place for help,

hubby & myself have a lot of debt (way more than you),

we also have an od with Santander so had to open another account,

we opened a Cashminder account with the Co-op bank,

it's especially for people with poor credit & we had no problem at all opening it, we did it online, hope this helps.

thankyou oldgirl did santander give you much hassle i assume they will add on charges all over the place

basic account only you look for most bank have them no frills.