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laalinz

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  1. Because I have no assets at all, no spare money yet he is financially comfortable in a well paid job as is his new partner, will they not chase him more then me, to settle the debt. I haven't got it to give them, yet he has.
  2. Hi, Stressing to bits here so hope someone can help me. I moved out of the family home 5th August 2012 with my daughter. Myt ex had made all mortgage payments and insisted on keeping the family home. It wasn't a good relationship, so I let him have the house and just left with a bag of clothes from me and my daughter. I contacted the council and was declared homeless, I moved in with my parents while we went through thge paperwork of finding me and my daughter a home. I lived with my parents for 6 months and eventually moved into a private rental. I was unemployed at the time, receiving full house benefit. I had to seek legal advice about my ex's access to my daughter, which is now resolved, housing options were discussed and I said , "he wants the house just let him have it". My solicitor wrote many times asking him to remove my name from the mortgage. Which he never did. It's took me a long time to get back on my feet, with the emotional support of my parents and friends, I am back on my feet and running a part time dog walking business. He found a new partner very quickly and moved in "offically" with her September 2013. Today I discovered that he has stopped paying the mortgage payments and they have possessed the house, (he was in Amsterdam celebrating his girlfriends birthday while they repossessed the house yesterday). I know nothing of any of this until today when I called on a friend, whom is a old neighbour, and there is an notice in the window giving us 7 days to remove belongings. My credit score is shot anyway as he left me in debts for other things in my name also. I am now self employed but earnings are low, I receive full housing benefit still. I understand I am still liable for the mortgage (it's a terrible Northen Rock together mortgage and in negative equity). But i have no spare cash at all to my name after I pay bills and feed and clothe our daughter. He is an assistant manager in a discount supermarket and on a very good wage, he has three holidays booked this year and his new partner has a very well paid job also. I cannot believe he has just stopped paying the mortgage on a house he insisted on keeping when I left. I need to know legally where I stand in all this. Plus what will happen next. Please help!
  3. Just had a horrible day, put an offical complaint into EDF after the advisor I spoke to from EDF said I should definitely log an official complaint. Had a call from Richburn collector today who was rude, unhelpful and unpleasant, even though a new direct debit was in place regarding a overdue gas bill and I was reassured two times I would not be called upon. He's the email I have sent them (might add I was fuming at the time I sent this) Dear Sirs, I am writing to express my concern and upset by how my gas account has being managed recently. I missed a Direct Debit payment due to being made unemployed through redundancy in December, and when the missed bill arrived for £68.00, I went online to your website, to set up a direct debit into my partners bank account. My partner's account is where our electricity Direct Debit, which we hold with you, is paid from. I got the message that the DD request had being received and that you would be in touch to confirm if the DD had being set up. I heard nothing more until a bill for £321.43 arrived, which included the amount for £68.00 that I had requested a new Direct debit for. Once again I went online on your website and filled in the Direct Debit request form for this new gas bill, and this time I sent a email to accompany it. I received the DD request received message and email received. I expected to hear from you within ten days as stated. I never heard from you regarding my correspondence, just a red letter bill from yourselves. So once again I sent a email and DD request just in case I had filled it in wrong. I waited another ten days as your received message said. A week pasted and once again no response to any of my correspondence, just a new letter saying you were passing the debt to Richburn who would contact me. I sent another email explaining the situation and waited again as your message said that my email was received and you would be in touch within ten days. Another week and this time a letter from Richburn received! I rang you at this point on the 20 April and spoke to a gentlemen who explained you had a backdate of emails to catch up with and that is why I had heard nothing from you regarding me emails. This I find hard to believe, considering my first contact with you regarding this overdue bill was in December!! I informed the advisor I spoke to, that I would ring back when my partner arrived home from work to set the DD up, as he explained that doing such a thing would stop all collecting activity on my account. Ten minutes later I rang back with my partner and a DD was set up for £46 a month with a additional £19 to cover overdue amount. Once again we were reassured that Richburn would be notified and no collector would call. Today 25 April I receive a visit from a very unpleasant collector from Richburns! I told him a DD had being set up, so I didn’t understand why he was here. I Showed him the letters confirming the DD from you and he insisted that he had to ring you. I asked him to do this in the his car and he refused to do this, instead attempted to ring you from my doorstep to discuss my account. Surely discussing my details on the phone, outside in the street would be in breach of the data protection act? I asked a further three times for him to leave my property and he refused each time. I have a front garden with a hedge and a gate, which is always closed, he was encroaching on my property without my permission which he refused to acknowledge, so I class this “gentleman” as a trespasser who purposely tried to cause me embarrassment at my doorstep on my property, which he refused to leave! I rang you after the collector from Richburns left (but not without serving me a letter informing me that they would be applying for a warrant to cut off my supply). I spoke to a very nice gentleman in your customer service department who listen and said he would get someone to ring Richburn and that he would ring me back and explain what happened. He was good to his word and rang me back half an hour after our first conversation. He said that it was EDF’s fault and he apologised on your behalf. He explained that the advisor who had sent up the DD had no put a “debt recall” on my account. He said that the collector from Richburn had called on good authority. But in my opinion this DOES NOT excuse how the collector from Richburn’s treated me on my own doorstep and I am very upset and distressed by this whole experience. I believe he should have left when asked!! It is three months since my first contact with you after my original DD went unpaid and as a result cancelled. It has caused me nothing but anxiety and worry that I heard nothing to any of my correspondence and which has ultimately resulted in a debt collector at my door. I am currently suffering from depression since my redundancy and this whole experience has done nothing to help my current situation. I look forward to hearing from you in this regard. what do people think?
  4. Just don't feel up to running the DMP myself just yet as I have only had 8 months on DMP with CCCS. I will get there just not yet. I am seriously thinking of going to Payplan though as I was nearly in tears after my review in February as the advisor was far from compassionate and this today with NRAM has stressed me out.
  5. I have felt let down with CCCS since the phonecall which made me start this thread. Up until then I was very happy and relieved that the stress of creditors calling had gone. I do understand that DMP take several months to settle down. But I have had two months of NRAM calling me everyday about this payment plan. It's not until someone managed to catch me in today that I discovered that the unsecured part of my together mortgage had not being added to my DMP (ever though I have a letter from CCCS stating that it had dated 23 March 2012). I did chase CCCS today as it is them who I have the DMP with and they said that paperwork had being sent to NRAM last week, yet I had the "telling off" from CCCS early February when I enquired about the unsecured part of the together mortgage going onto my DMP with CCCS at my review. Hence the "feling of being let down by CCCS"
  6. Just had a distressing phonecall which resulted in my phoning CCCS to ask why Northern Rock were saying that no payment plan was in place for the unsecured element of my mortgage. When I pointed out this on was a DMP with CCCS the lady said that this was currently on going and that no such arrangement had being agreed. They were still outstanding paperwork from CCCS so this is why they have rang me everyday! I rang CCCS and the lady informed me that they had spoke to Northern Rock last week and the paperwork was sent out to them now. Yet I have a letter saying that they could confirm that NRAM debt had being added to my DMP dated 23 March. I feel like CCCS have failed me. I am currently awaiting notification from JSA with regard to any money I will get, then I will be transfering my DMP to someone else. I feel SO let down by CCCS the past few months.
  7. Hi, My partner has a bank loan with Natwest. We are currently on a DMP with the CCCS so I am chasing all creditors at the moment to reduce balances down to what I "actually" Owe them. I contacted natwest to enquire about the PPI on this bank loan in the hope that a SAR would not be required. (worth a shot I thought and they responded with a letter with this info: Loan Start Date: 22 May 2008 Loan Amount: £7,500 PPI Loan Insurance £1,838.00 Please note that the loan insurance was cancelled on 15 October 2008 with £1,304 of the £1,838 upaid. Loan durtation: 120 Months The statements arrived today and its showing 15 October 2008 Credit Insurance interest £483.33 Credit 15 October 2008 Credit Insurance rebate £1,304.07 What should be next move be? Write requesting that they refund my payment of £534.00 as this PPI did not provide the cover that we thought it would (which is why it was cancelled on 15 October in the first place)? Any advice would be very much appreciation! They will just take this off the loan amount outstanding, not send us a cheque to allow us to spread the amount throughout our debts?
  8. I have just been told I will be made redundant and will get my notice on Friday so the plan that resulted from my review is no good now anyway. Another thing I forgot to mention was, that the advisor was pushing the IVA. She said that to clear my debts within the ten year government allowed period she would need at least £340 per month of me. But after doing more research about IVA's its definitely not an option I am able to go down. I need the flexibility of the DMP as jobs are so unsure these days. She said that even if we could clear it in ten years my daughter would be 17 (she must have thought I couldn't do the math) and strongly suggested we discuss the IVA on our next review. With regard to complaining I really don't want to "rock the boat" with them so to speak. I got the telling off today in written correspondence saying that if I took any further credit my contract with them would be terminated. This unsecured loan was not further credit, it is in fact the oldest debt I own. I just misunderstood it.
  9. Thanks for the links, I have worked with only a one week unemployment break for just over 2 years so hopefully I should have paid enough NI on a 20 per week job at NMW........ We should still qualify for Tax credits as my partner works 50 per week but his income is less then the threshold so fingers crossed I should still be ok. Must say I did not realise that they had reduced the threshold so much!! that is going to hit a lot of families hard!
  10. I have being enjoying the peace and quiet a DMP with CCCS has brought me and didn't want to rock the boat. But I am about to be meade Redundant again so back in fighting form. Going to try again for these chargers form VERY. Do I have to start from the very begining again ? Thank you
  11. I'm BACK Paperwork found, Spreadsheet of chargers done and ready to go!! Do I need to start the reclaim all over again? Which template letter would you suggest I send with my spreadsheet? I'm going all the way with these now.................even to court if need be. I am BACK lol:fencing:
  12. Just being doing some reading and research and it would appear that my food and household is way under what CAB would recommend. Maybe that is why I struggle on my food allowance. I shop online so I can budget what I am spending, make my own food as hate feeding my family rubbish and its cheaper to give them a home made meal. Yet the last ten days of the month I cannot do a shop and its a struggled to give my family a healthy meal then. A DMP teaches you that it is do-able living on a budget.
  13. I do love you guys on here!!! I will keep you posted. I am going to call into CAB over the next few weeks to discuss my options after redundancy (which is looking very likely) think it may be worth discussing my DMP with them as wel and letting them look at my figures. Thank you l
  14. Thank you. Words of encouragement are very helpful. I have looked into redundancy options and what will happen and I hopefully will be able to claim contribution based JSA for 6 months. Hoping to be able to go to college and retrain as I have been made redundant 4 times in 5 years. Which is part of the reason why we are in this mess to start with. I'm going to see how I go on the plan for the next two months and if I am struggling (which I think I will I will seek another opinion). If i am redundant by the end of March, it will need looking at again anyway. Another thing is that I told the advisor I could really do with make some allowance in the plan for my partner to pass his driving licence as this will lead to a promotion for him resulting in more take home pay. She said we would review that at our next review in four months time. xx
  15. Hi, thanks for your feedback and your answer on my other post. I did spend along time on my figures for my review and checked them against the allowances on CCCS website (I went through it like a new claim on the website) and the maximum allowances were higher on there, then then advisor was said I was allowed. It was just a horrible conversation. I tried to handle my own DMP before going to CCCS and I found it to stressful at the time, I am very grateful for CCCS taking this stress away when I first set up the DMP plan with them. I don't want it to appear like I am saying they are a bad company, as they are far from it. Sometimes though, the advisor's could show a little more compassion to the people who are struggling in debt. We are stressed enough without a trip to a headmasters office. It felt like she was trying to get as much as possible for my creditors instead of making sure I had enough for my little family (one child of 7 years of age) to live on. this particular advisor definitely seemed to be working for the creditors in my case.
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