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Totalmaverick

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  1. Hi All, I'm hoping to get some advice for my partner. On the 5th August 2019 she received a Claim Form for the County Court. Its from Lowell Solicitors Ltd and is for 3 outstanding debts. Shop Direct for £5669.77 Grattan PLC for £508.92 Grattan PLC for £302.24 Interest on the debts of £447.19 and £100 Legal representatives costs. The form came with options if my partner wants to contest the debts, admit all debts, admit partial, pay in full, ask for time to pay. My partner is unemployed, she is actually in the process of trying to claim pip due to her having severe osteoarthritis, degenerative discs damage, and psoriatic arthritis. She is unable to work and her illness has slowly been getting worse. I'm unable to help my partner with her debts because I have been on long term esa. I suffer from Borderline Personality Disorder which causes me to have depression, anxiety, self harming, suicidal thoughts and attempts to name just a few parts of my mental illness. We have worked out my partners money which is only Child benefit and child tax credit and once important bills like rent, council tax, tv licence, car tax is deducted and shopping etc she is lucky to be left with £10-15 a month. On the forms she has the option to offer a payment, she was thinking of offering £1-2 per month. Should she do this? The debt is her's and she doesn't dispute that but we have never CCA any of the companies or anything. To be honest we have just buried our heads in the sands. Been a very tough few years with me losing both my parents and illness in general. We have just ignored the constant phone calls and ignored the letters, which I know is our fault but life sometimes just sucks you down. She doesn't know what she should do. Any advice would be appreciated. I have my own debt problems and I'm currently in the process of CCA the relevant DMA such as Lowell and Lucas Credit. But I'm not asking about my issues, I will seek help from you guys as and when. My Partner just wants advice as what to put in these forms. Thank you in advance
  2. Thank you for your advice, I will look in the library section and write the relevant letters. Thank you for giving me a little bit of sanity back. I don't cope well with these sort of situations and though some might think my situation is trivial compared to others for me and the way my brain works I start panicking and these then leads to anxiety attacks etc. Thank you for giving me a starting position.
  3. I'm not sure this is the right place but here goes I suffer from Borderline Personality Disorder, which means I am often very depressed, anxious, scared, etc. I am on medication and generally have the illness to a level that I can cope. However I have got myself in debt with Vanquis, Capital One, Littlewoods and Very. I was making regular payments up to about 6 months ago but then my Mum passed away and my world fell apart. I am on esa and was managing with the help of my partner to maintain my payments. Now I am getting nothing but phonecalls and letters. This morning I received my second letter from Moorcroft for the Vanquis debt (£1287.14) asking for me to talk to them and payment or further action will be taken. I owe Littlewoods £925.73, I have only missed 3 payments on that debt so far but will miss more. I owe Very £2513 including arrears of £409. As for the two credit cards with Capital I owe approx £600 on each card. On top of this I have accounts with JD Williams which I'm not in arrears with but will soon not be able to make the regular monthly payments. I just want advice as to what to do, should I write to them all all and make an offer of a payment each month an hope they accept it. I don't have much money left over each month from my esa benefits so payment would have to be a small amount. Would I be better looking at a debt relief order? I just don't know which way to turn and it is affecting my mental health. It's hard enough dealing with the grief of losing my Mum just under a year ago on top of losing my Dad nearly 3 years ago. I just don't know what to do. I know this is my own fault, after losing Mum i went silly with money, anything to numb the pain I was and still am feeling. I just want some advice and guidance. Thank you for reading my rant and I appreciate any help you may advise me on.
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