Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Advice needed please.

    Hi,

    My partner and I have separated and there will be no way back from that.
    He has a full-time job and I work 25hrs a week and we have an 8yr old son.


    Paying the debts was slowly becoming a problem as BNPL were catching up quick and fast
    were not paid off in time
    were put onto the monthly payments
    all monthly payments were made and on time whilst we were together.
    That is now not going to happen.

    I have a lot of catalogue debt in my name only that I will now not be able to pay the monthly amounts.

    I have not defaulted on any accounts yet and I take full responsibility of all the debt and I am not looking for a way to not pay them.

    This is what I owe as of today
    NEXT £1800 - monthly payment £90
    ISME now VERY - £2,000 - monthly payment £75
    VERY - £1600 monthly payment £55
    WOOLWORTHS now VERY -£2,150 monthly payment £100
    SIMPLYBE £1,200 - monthly payment - £50

    Total catalogue debt - £8750 total monthly repayments - £370

    halifaxicon

    £1990 overdraft £47 a month charges - soon to change in Nov to nearly double this when they start the 1p charge for every £7 in the overdraft end of day charges.

    Halifax loan £6,000 - monthly repayment £185
    Halifax loan £2,000 - monthly repayment £60

    Total Halifax debt £9,990 Total monthly repayments £292

    I want to send out a letter to all the catalogues and inform them of my financial situation and I can send them a budget sheet and creditors list showing my income and out goings and try and appeal for them to accept a token payment of £10 a month to each of them.


    After reading on the www for the last few days I can see I am going to be hitting a lot of brick walls were they will refuse my offer and continue to add charges and interest then sell on to DCAicon who will then finally take me to court and I will get countless CCJ's and have an even higher debt to pay
    - albeit it is very likely the courts will accept my original offer of £10 each per month as my budget sheet will prove this is all I have left over.

    As I have said I do accept I owe the debt and they will take forever to pay off at £10 a month but is there anyway I can improve my chances of them freezing interest and charges?

    My Halifax loans I can continue to pay and they have less then 4years to go.

    My Halifax overdraft is a problem as it is just ongoing and never going to be cleared as I live on the overdraft after my wages get swallowed up by it and the new changes are going to create a bigger problem.

    Are Halifax someone who are easy to talk too?
    Will they allow me some other way to pay off my overdraft but still allow me to keep my bank account?
    I have been with them for 20 years and never ever had any defaults on my account will that help?

    I am struggling now on a daily basis and so worried about how to manage all of this debt.
    I can't increase my work hours or else would have done.

    This forum seems extremely helpful and very good with advice.
    What can you advise me to do?

    Any help is really appreciated. Thank you in advance.


  2. #2
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    Default Re: Advice needed please.

    You need to speak to the CAB or a debt managementicon company. I think your going to get swallowed up and drown if you dont seek help.
    Use a free debt managementicon company not a fee paying one.
    The good thing is the 1st step to dealing with debt is the realization you need help.
    You've already done that!
    That's the hardest step done


  3. #3
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    Default Re: Advice needed please.

    Thank you for your reply.
    I knew the debts were slowly starting to get out of control and this has had an awful emotional impact on me over the past few months.
    Not sleeping - waking up numerous times when I do drop off - irritable - feeling very low - slightest things upset me etc

    I have already looked at StepChange and put in all my details and they recommend I do a IVA
    when I read up on the www about IVA's there seems to be a lot of people who have problems with them.
    I don't want to go bankrupticon either.

    As well as the above I also have a few smaller manageable debts that take me to just over £20,000 so a DRO is also out of the questions.

    I was hoping of some way the creditors would accept my payments and I would definitely make them each month.

    What would happen if I sent them letters - then started to make the £10 payments each month onto my accounts.
    Would they still sell on to DCAicon's?


  4. #4
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    Default Re: Advice needed please.

    Start getting all your ducks in a row too.

    Open up a new bank account, with a different banking group, CO-OP or the Post Office.

    Inform ALL of your creditors that you are having financial difficulties and see what their response is, usually it is of no help whatsoever!

    Catalogues are bottom of the barrel, £1 a month max.

    When did you take these agreements out?

    Are any of them secured on the property?

    I wouldn't be the slightest bit worried about powerless DCAicon's, they can do NOTHING!

    Inform the bank/creditors, and TELL them how much they will be getting each month until your financial circumstances change.


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
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  5. #5
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    Default Re: Advice needed please.

    Thank you for your reply. I do appreciate it.

    I opened the catalogues online and have had them approx 8 years at a guess.
    None are secured on property all unsecured.

    My close friend last year was taken to court by Restons after she ignored all their letters regarding a passed on debt from VERY for 2 accounts she had.
    She got into financial difficulties and stopped paying and ignored all letters.
    It took about 3-4yrs for Restons to have the debt handed to them and they went to court and she got 2 CCJs and has to pay both debts off at £50 a month each - which is what it said on the court papers. ( I saw the papers )

    I don't want them doing that to me and the courts saying I have to pay £50 a month on each debt.

    I would rather pay off the halifaxicon as I have so many household direct debits coming out on different dates plus my wages paid in and child benefit.

    The overdraft and loans payments are taken straight from my account so I wouldn't be able to tell them how much they will be getting as they just take it.


  6. #6
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    Default Re: Advice needed please.

    yep get you money out of halifaxicon's grasp.
    open a parachute accounticon
    and get any income paid in there.


    I gather that all your DDicon's come out of the OD account.
    so might be worthy to open 2 new accounts one for income on for PRIORITY DD's
    then you transfer money into the DD account
    though if this were pers i'd cancel all the DD's now


    you've gotta realise you'll default so might as well do so now.
    then the 6yrsstarts ticking soonest.


    don't go down the IVA/DRO or BK route


    theres nothing you stop you doing this yourself rather than using a dmpicon company
    its quite easy once you take control yourself.


    I wouldn't pers blindly be giving anyone a financial breakdown just yet.
    simply write that you are in financial hardship
    and for the next xx mts you are dropping their payment to £XX
    and will erview that in 6mtstime.


    if you look in the library<<Clickme there's a suitable letter in the debt collectionicon section.


    dx

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  7. #7
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    Default Re: Advice needed please.

    ps re restons: and CCJ's
    well if you don't defend a case you'll lose hands down
    restons are easy to defeat.

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
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  8. #8
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    Default Re: Advice needed please.

    Thank you dx


    I have just in the last few minutes been online and opened up a new basic bank account.


    I will be back soon a visitor just arrived sorry but I will be back. I will truly appreciate all your help and advice over the coming weeks/months.


  9. #9
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    Default Re: Advice needed please.

    hey no sweat
    debt is not a crime

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
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  10. #10
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    Default Re: Advice needed please.

    As someone who was once in your position and got out of it, don't despair because at the end of the day it is only money and you can only pay what you have. A few of the creditors might stamp their feet and throw their toys out of the pram, but they can't take what you don't have.

    I would echo the advice above. Use your new account for your wages and any benefits you get or other income - I imagine your ex will be paying maintenance? - and only pay out absolute essentials, rent, utilities and council tax, food etc. Get advice if you can if only to make absolutely sure you are getting all the benefits you are entitled to. It also does sometimes make a difference if your creditors are contacted by someone 'official', it shouldn't make any difference but there does seem to be an assumption that you can't be that badly off if you can write letters yourself.

    If you can't get help soon, then send a holding letter to all creditors saying you're having problems due to relationship breakdown but hope to be able to come to some arrangement soon, and give yourself some breathing space to decide what to do. For example, if a DRO seems attractive but you're just over the limit, could you use some of the money you save by paying no-one to pay off all or some of one debt to get it below the limit? (DROs are new to me, so check that you wouldn't be doing anything wrong first).

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  11. #11
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    Default Re: Advice needed please.

    Thank you for taking the time to reply Reallymadwoman.

    My partner moved out recently and I have no idea where he is.
    It wasn't a nice break up ( if there is such a thing )

    until he gets in contact one way or another then I have no idea about if he will be paying towards the upbringing of his son.
    I would like to think so but also I never ever saw this coming.


    DX100 I have opened a new bank account today which has been accepted and they will post out to me all the account details within 5 working days.

    My pay date is this coming week so not enough time to sort anything for my direct debits and halifaxicon debts this time.

    Once I have my new bank account up and running and have arranged my wages and child benefit to go into the new bank and phoned all utilities up to swap direct debits to the new bank then I will write to Halifax once I have myself covered with the new account.

    I will get printed off the financial hardship letters to all the catalogues on Monday morning and get them sent out and I will come back to this thread when and if they reply.

    I will offer them each £10 a month as I can afford that amount without causing more financial hardship and if they do end up taking me to court then the court will see I have £10 a month to pay each of them I have started all of this by being totally honest with them.

    If they refuse - which after reading this forum and www seems highly likely - I will continue to log on to my accounts online and make the £10 a month payments.

    When I hear from them I will come and tell you what they have said if that is okay as this is all so new to me

    I really have no idea what I am doing so I will follow your advice as I can see you have helped out so many many people on here?

    Thank you


  12. #12
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    Default Re: Advice needed please.

    Original creditors don't do court
    They'll sell the debts on to powerless DCAicon's
    Who are not bailiffs
    And are totally powerless

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  13. #13
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    Default Re: Advice needed please.

    If/when they refuse the £10 and I am more than willing to keep paying it each month and they then sell on my debt to DCAicon's

    will I still have online access to my accounts to make the £10 payments or will they close my account and I won't be able to access it?

    How quickly do they sell on the debts to DCAs.

    You say the DCA's are powerless
    but aren't these the people who will take my debt to court
    and force a CCJ then the court tells me I have to pay them so much a month?

    Thank you


  14. #14
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    Default Re: Advice needed please.

    ''IF''

    DCAicon's are powerless, and have zero legal powers,

    the ONLY time they EVER obtain a CCJ is ''IF'' the DCA 'owns' the account, and then the debtor 'ignores' them....

    you're far to ahead of yourself, and you've been reading their jackanory websites.


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  15. #15
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    Default Re: Advice needed please.

    not how it work cc...

    the OC will write the debt off and reclaim it against their insurance and tax rebate etc

    they 'll sell it on to a DCAicon for about 10p=£1
    and then its nowt to do with them anymore.

    the dca will try and fleece you for the whole balance.

    time to get reading

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  16. #16
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    Default Re: Advice needed please.

    Bazooka Boo my apologies this is all new to me and so many different www pages say so many different things that it is easy to get confused.
    I am ahead of myself you are right there and it's because I am so stressed at the moment.

    dx100uk
    I have probably been reading far too much.
    I am so glad I found this forum though and I am thankful for everyone who has taken time to offer advice.

    I will get those letters out and then be back when they respond.
    I intend to stick with you all the way through this.

    Also once I have finances in a better state I will definitely make a donationicon to this consumer group for helping me through what is coming.

    Once again thank you and I will let you know what they say.


  17. #17
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    Default Re: Advice needed please.

    Hi

    Just an update for you.

    I wrote to all 3 very accounts - Isme - Woolworths and Very - NEXT and Simply be.

    Very ( all 3 accounts have emailed me today ) NEXT emailed me yesterday. ( Still waiting ot hear from SimplyBe )

    Very ( all 3 ) and NEXT have accepted my offer of £10 a month for the next 12 months and froze all interest as long as the monthly payments are kept up. I am absolutely amazed and so relieved! I never thought for a moment they would accept as you read all kinds of horrible things on the www about how they are with customers.

    When I wrote to them I printed off a copy of my income and my out goings plus a list of all my creditors and I wrote to them before any payments were missed. Not sure if this helped but they have all agreed to £10 a month and it has lifted a lot of stress at once.

    Thank you so so much for the advice I was given here. I appreciate your help so much.


  18. #18
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    Default Re: Advice needed please.

    Hey that's great
    And so they should help you

    Keep an eye on your credit file now

    If you see AP or any strange monthly markers other than D
    We might want to complain as it should be defaulted

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
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  19. #19
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    Default Re: Advice needed please.

    Thank you DX I will do.
    I have just made a £5 donationicon to your forum. I know it's not a lot of money but it's to say thank you from someone who has really appreciated advice when I felt completely lost.


    I will be back if I need more advice. If my circumstances do not change over the next 12 months hope they keep the payment arrangement a rolling thing.


  20. #20
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    Default Re: Advice needed please.

    Excellent, good news well done.


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
    HOW DO I START A NEW THREAD?



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