hugo1963
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Debt has spiraled out of control
hugo1963 replied to hugo1963's topic in Debt management and Debt self-help
Hi folks Just a quick catch up on how things have progressed had lots of phone calls and letters from dca, all ignored not spoke to any of them. Got my 1st threat of NEXT step legal action. CCJ threats. Do I now ask them for proof of credit agreement. Also could I send the original lender a mis sold credit complaint due to constant credit increases without me asking. Thanks H -
hugo1963 started following Debt has spiraled out of control and Speeding fine
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Hi I was informed at work on 06/01/23 that I was speeding in a company vehicle at 35mph in a 30mph zone this was at 12.23pm on 30/11/22, I have just received notice of requirement to provide driver details on 02/02/23. What time scales if any are legal requirement to inform me of prosecution Regards Hugo
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Debt has spiraled out of control
hugo1963 replied to hugo1963's topic in Debt management and Debt self-help
My original offer of payment was more, but at moment not agreed anything it will drop to £1 per month as circumstances changed. -
Debt has spiraled out of control
hugo1963 replied to hugo1963's topic in Debt management and Debt self-help
Last year I sent in my income and expenditure, with an offer of payments. I haven't been contacted by my creditor's but all have now been passed to debt collection agency, One dca caught me off guard on a telephone call, I made a complaint about this to the dca that I had offered payment and not had any response from my creditor, they then said they would send my files back to the creditor and close my file which they have, the creditor then sent me a letter apologising for this mistake and offered me £75 as compensation which i cashed last week. I'm now thinking that they have breached GDPR and now looking to buy a way out Any advice maybe all the others have breached GDPR how would I find out, and could I still make a complaint against the one that sent £75 Cheers -
Debt has spiraled out of control
hugo1963 replied to hugo1963's topic in Debt management and Debt self-help
Ok here an update on situation. All but one of my creditors have put my accounts on hold until 22/11/21, which is fine seeing I was off work sick for 3 month, the time is given for me to get an up to date income and expenditure sent off. The one creditor has been adding interest and late fees on my account and ignored all letters I have sent, I get phone calls, messages, letters etc of them regularly, they have not responded to my original letters to them regarding my situation. I have now had visit of resolvecall agency. I was not in but a note was put in my letter box, I'm assuming it's from them. Do I make contact or ignore them or do I contact the creditor again. -
Debt has spiraled out of control
hugo1963 replied to hugo1963's topic in Debt management and Debt self-help
Hi Sent the 2nd libary letter off, none have accepted my 1st offer or even indicated they have received the first letter, getting phone calls and voice mails daily, (I've not answered them) I've letters coming weekly to phone them to discuss. Also late charges being applied to accounts. -
Debt has spiraled out of control
hugo1963 replied to hugo1963's topic in Debt management and Debt self-help
Cheers dx, thank you. Think they are ignoring my letters as I sent out 2 other letters same post changing my direct debits to insurance companies they have received them and processed them to my new account. Regards -
Debt has spiraled out of control
hugo1963 replied to hugo1963's topic in Debt management and Debt self-help
Hi people Been a week since i posted pro rata letters 1st class to creditors so they probably got them on Monday I was expecting phone calls or letters to come from them, I've not heard anything until a text message today from a card stating payment is due today if unpaid a £12 charge will be made. Should I phone them and tell them I've sent letters Cheers -
Debt has spiraled out of control
hugo1963 replied to hugo1963's topic in Debt management and Debt self-help
Hi, All letters sent out with offer of payments, expecting contacts from them in next few days nothing in default yet 18th of month will be the first missed payment on the loan. I wasn't ignoring dx100uk advise, maybe trying to save face and get some other kind of income. Loan 4 years old 2 cards over 5 years 2 cards approx 2 years Thanks -
Debt has spiraled out of control
hugo1963 replied to hugo1963's topic in Debt management and Debt self-help
Hi. dx No i didnt I carried on paying what I could using my income and savings, but the crap hit the fan about a month ago, first partner was off work then me. I tried to keep my credit record good but suppose in reality nothing getting better. Just drawing up income and expenditure won't be much left with ssp could be off 2 or 3 month. letters will be off this week. Cheers for reply Nothing I can claim on benefits side of things, I will have to submit 2 different income and expenditure, one single ie my debt to the cards and another joint for the loan, bit confusing, what's lowest they will accept nothing left, maybe I can play around with it for to make a small payment. Cheers -
Debt has spiraled out of control
hugo1963 replied to hugo1963's topic in Debt management and Debt self-help
Thank you, I will look into this my partner has an income approx 1k per month, but she's not on cards only on the loan and mortgage. How does this affect income expenditure etc, do they expect her wage to come into the cards. -
Debt has spiraled out of control
hugo1963 replied to hugo1963's topic in Debt management and Debt self-help
Hi thanks for quick reply. All cards with oc mbna, hsbc, tesco, barclaycard, loan with tesco, never missed a payment but over last 6 month dropped down to minimum payment, due to 20% drop in income being furloughed 9 month last year, made redundant end of last year, took a lower paid job, now currently on sick leave on ssp, so very little income. it's now come to a head where I have to send the letters of explaining my situation. Many thanks Mick -
Debt has spiraled out of control
hugo1963 replied to hugo1963's topic in Debt management and Debt self-help
Hi do I wait until the oc put my debts into default before I send template letters off to them, I have cancelled all direct debits this month. My connected post to this subject has been closed due to time lapse. Thanks -
OK thanks I'll give it a go see what comes up
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Ash ok I'd have thought they have to keep it for a while
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