The other debts here on this site, have been 'cleared' by the loss of our home - they all put a finger in the pie, wanting their share. They didn't get much. We now owe on the Mortgage - and halifax/Cabot. I have just sent one of my boys to uni - thankfully we are eligable for help. Its all a blur.

Thanks guys Cartel did say they would be able to help but will take a bit of time to complete. £175 admin charges - otherwise no win no fee. I am stuck on the legalities. My brain don't work that way. They say ignorance is bliss, but I am not so sure. I have not mentioned to Cabot anything about my debt, although Cartel suggest I give them a minimum each month - to keep the courts off my back while they sort out the rest. Ive had the final letter. If I leave it any longer I will be in doo doo. I have created an online account with cabot but can't log in. Typical, so nothing is done yet. oh my head hurts.

Cartel are a local company who 'help' people with debt/wrongful charges and misprints etc.. I contacted them when I got one of the latest letters from Cabot. My husband says that this site won't be able to help (pain in ar**) so I tried anything. So, I need to write down all the charges, late fees, etc.. and PPi payments on a spreadsheet and add them all up - send this to Cabot to ask them to remove this total? I had PPi when the debt was with Halifax. Should I not have been assisted in some way with this? Is it not an insurance for when the debt can't be paid? I haven't been on the forums for some time. Its been quietly hectic the last year or so. Now we have lost our house, settled into a rented property, Cabot have found us and sent us the copy of the original agreement. Their first correspondence was nearly 3 yrs ago. How can I have the agreement checked by people here? Forgive my naiveity.. Thanks for the prompt reply.

Hi Its been a while but I am back. I have had a credit card with Halifax. I owe £3300 approx. Over £1000 of this is charges and rediculous add ons. I hit a bad time where I couldn't pay and each time I did, the charges were too much and couldn't keep up. And so the story goes... It has now been taken over by CABOT financial who have been trying to chase me for a year or so. I have fobbed them off by sending them away to get the original documentation etc... which they have now come up with (copies) and copies of my statements. Looking thro these statements I see that I was paying for (and increasing payments for) Payment protection. !!!! I admit to being in such a mental state at the time that I had no idea this was in force. The debt has now been taken over, as I said... Is there anything that I can do - to either exonerate or help myself by mentioning that nothing was said about this payment protection? Should I not have been advised by Halifax that I had this? I can swear on as many bibles etc that is asked of me, they said absolutely nothing about it. I am really scared now. I have had threatening letters from Cabot saying they want the money - now within 7 days... I had the 28 days one a few weeks ago. I contacted a company called Cartel. Anyone heard of them? I am getting pretty desperate. Both my husband and I are on benefit - disability and such like. I don't have money to pay out at the moment. This cartel company are coming on Friday to assess the situ. They want to look at our mortgage failure too. (We lost our house etc... due to illness etc..unability to pay). HELLLLP!!! PLEAAASEE!!!

Thanks Version Will have a try. Cheers

Hi I am not sure if we have informed the council. I will do so just in case. Thanks. The £5.00 was to the DWP. Now they are taking the Incap benefit. Thanks again

Hi Both my husband and myself claim DLA and Incap. Benefit. We have had to claim housing benefit recently due to our personal circumstances. Neither of us are in a state to work. My eldest son turned 18 last august. He left full time education and 'went to work'. He cleans part time at the school, 15 hrs a week. The housing benefit we recieved has been cut by almost half. It is said that since my son is now out of full time education, and a non- dependant, he is in a position to contribute. Ok, fair enough, so he may be. That isn't the question here. I am worried that as my son is only working 15hrs a week, he may be entitled to income support? There is no way he can contribute nearly half of our housing benefit on what he earns! He isn't in a position to pay us. Plus I have read somewhere that he is not classed as a non-dependant til he is 20yrs? Does anyone know about this? I am pretty vague... sorry. In a nutshell, I think we get 'too much' so the council are cutting back on other things. PLUS, can some one tell me - I used to work part time but on the rare occasion I had to work extra. I was my mother's carer at the time and recieved carers allowance. Because I worked a few hours extra here and there, they want the whole lot back! About £550.00! I haven't been able to pay them the full amount so have been paying an agreed sum of £5.00 a month for now. They have now stated that they will be stopping my Incap Benefit to cover the amount owed. (£100+ a month). Can they do this? I know I owe it and am not disputing the fact. I just am gobsmacked that they want so much of it. Thanks

The 'deadline' is a lot that I get these days. I have also just come out of hospital after a brain op. What are they going to do??? Sue me??? HAHAHA!!! I really don't care anymore. My life is worth more than their harassing calls. My son took a call the other day. He told them that his mum was very ill and in hospital having a brain operation. (It wasn't that bad, thankfully). Oh, they said, we will stop the calls for 10 days. How big of them. No matter who I speak to or how I tell them, they still call. I have sent them all the relevent letters and even had the statements back. I don't know what to do with them - nor do I have the energy at the moment. They are the biggest bunch of b*llsh****s I have ever come across. They are not interested in helping anyone, no matter what. I feel there is no point in being rude, but there is definitely no point in making the effort to be polite either... why should I pretend to be happy and polite when I feel like telling them otherwise? There is no point. No difference. Life's too blinking short.

Hi This came up in conversation today and I am not sure where to ask. I immediately thought of this site and hoped that someone would steer me in the right direction. Sorry if it doesn't belong. Hoping someone can help. Can an ex partner, ie ex-wife, have the right to put a charge on our property for a small debt owed to the CSA - (partner been ill and not earning). The debt belongs to my husband - her ex, and the house is in both our names? We have other debts that we are fighting at the moment - including the mortgage co. who do have a charge on the property, obviously. Many thanks TL

Hi all. Just wondering if there is a site anyone would know of that could give me some guidance on Company (personally owned) legalities and the wrong doings of others that have caused problems. I wasn't sure if this sort of thing is covered on this site. Much obliged. TL

Hi Pford Sorry its taken a bit of time to reply. Pc a mess! Thanks for this. I will try. Not a good time to offer anyone any money right now but I will try for £1 a month... even that's too much! THANKS AGAIN.

Hi all OK. Here's the thing. I have been recieving calls from Halifax re my credit card. Unfortunately there is nothing I can do about paying even a minimum at present. I have spent many an hour explaining to a number of people from their call centre, what the situation actually is. Sympathetic they may seem but they still call with the same old. I sent a letter requesting they stop ringing me as well as a Data Protection Act letter, with my stat payment of £10. I have recvd an envelope stuffed full of statements. I STILL get phone calls. One yesterday was from a really stuffy condescending snotty nosed mare who was sooooo rude to me, I was gobsmacked!! For once in my life I was speechless!! I said that she wasn't supposed to be calling, as it is harrassment. She said that she had every right to call and would I now give her my security details... and do I now wish to talk about it... errrr.. no. I put the phone down. I was so shocked. I only thought in hindsight that I wouldn't speak to her even if she was the last person on earth! So, I still have phone calls. Shall I send another letter? I have these statements and three pages of other figures, I am not sure what they are. What do I do with them? silly question??? I have added up the charges and interest seperately. Is this right? BTW, I am only so overdrawn on my card thanks to these charges and interest. It looks like I pay for card payment protection as well... what is that for exactly? Thanks.... Now I'm even more totallylost! :confused:

Yet they still come! I see the number - 08706716096 very often. I know it's my bank. I've sent them letters asking not to call, told them not to call, yet.... STILL THEY COME!! Bain of my life!!

k.

Can they take a vehicle if it is used for work? I was told that, ok, if you have paid so much of it they can't take it but also that if it is used as a vehicle to get you to and from your place of work. This was the CAB that told me this. Thanks