Hi all on the forum,

I came back to forum for some inspiration and guidance.

I go through all kinds of emotions when I read the heartbreaking stories that other people share with us the emotions range from sadness at one end and pure anger and rage at the other we all live in the 21st century and yet when I read what happens to other people all I can say is I am left with a sense of sadness for the future of the human race!

what kind of animals are we when we can inflict such levels of pain hurt and hardship on our fellow humans has the world gone mad for the sake of money?

what has happened to justice in our court system?

why are we all to scared to speak out and change what is rotting in our society?

I went to court yesterday to stop a dca called link financial getting a charging order on my house the pain and worry and sleepless nights are beginning to take a toll on my well being and for what,

So some greedy B******s can try and force me to pay money that I just do not have!

And all this with the law on their side.

Come people wake up what is the problem here?

If we all work together to change the law and see these people end up where they belong surely it cant be that hard.

while writing this plea for help this thought has come in to my head and will not go away I would like to share it with you all

"Alone we are but a single grain of sand but together we can hold back the oceans!"

So come people what are we waiting for?

the forces of darkness hide behind fear and intimidation to survive but only if we the people let them get away with it?

So cant we all get together and stand up to these evil people......"come on just how hard can it be to get together and change the law for the good of us all!"

Flaminscoty...XXXXXXXXXXXXXXXX.

I recently complained in writing to Lowell saying that I was also going to complain to the OFT, and guess what? They've stopped sending harassing letters.

i've never heard of someone stopping DCA's sending letters.

could i do this?

i have chronic severe depression with psychotic features, panic attacks, eating disorder, social anxiety and sometimes insomnia.

i am a self-harmer, but i'm currently trying to quit, so i haven't hurt myself in a while.

there has been many times when i've been suicidal, mostly due to money/debt worries.

the whole debt issue is made harder because i live on income support. i've been signed unfit to work for years due to my mental health problems.

i worry my parents [esp' my dad] will at some point open a letter about my debts. :{

Write a concise letter outlining your conditions and mentioning OFT guidlines and CSA code of practice in relation to the treatment of vulnerable people, post it up here for someone to check, then send it to the relevant DCAs/OCs.

Write a concise letter outlining your conditions and mentioning OFT guidlines and CSA code of practice in relation to the treatment of vulnerable people, post it up here for someone to check, then send it to the relevant DCAs/OCs.

could that really stop the letters to my house?

sury they wont stop while they still want money.

OFT guidlines, the CPUTR 2008 and the CSA code of practice all have strict guidlines that must be followed when dealing with sick and/or vulnerable people. If they do not do this and continue to send stupid harassing letters, complain, LOUDLY

Deppression first, feeling helpless about how unfair the law is and can do nothing about it, fear of looseing everything. Because so upset, ended up having a bad accident due to lack of concentration, now am unable at the moment to work, was self employed and my liability insurance in the small print does not cover me for own injury. I had done nothing wrong and all of a sudden my life was falling apart. I have good days and bad days, anxsious, keep getting diahreah and ill, headaches and not wanting to do much. Thoughts of how can I go on, fear this will never be over, panic attacks, angry that this is so unfair and there is nothing I can do about it. Frustrated that the government people I wrote to about this have not even bothered responding. Upset I have had an accident because I could not concentrate because of this unjustice. Not understanding how this could of happened to me, confussed alot of the time and not remembering to do the things I should be doing. Frightened of the next thing that will happen. Before this I was a very confident person who has dealt with alot of stress in my life, had got down after going through some very bad situations, but had got myself back feeling good, I hold on to the fact that there is a light at the end of evey tunnel, but it is hard when my head wont stop thinking the situation over and over and over again. because it is still ongoing.

One thing which keeps me going is to think if the law can be changed, then my suffering would not have been in vain, I do hope the law will change and innocent people like myself will not have to unnessesarily suffer.

I have had debt problems really for the last 20 years but always managed to avert what I always called 'Tragdy', what this meant was robbing peter to pay paul and when that was sufficient borrowing more money to stave off all the bills and to keep going. Looking back I was utterly depressed then, but didnt acknowledge it, I just kept going beleiving that somehow a miricle would happen and all would be right. How wrong I was, back then you see there were no web sites like this as I remember there was no computers, so I only had myself to blame, worry, pick myself up and then worry again, sleeping tablets, this became a routine for me for many years. I couldnt talk to my husband, he had his own worries keeping a job that the governement was determind to take away from him. He was a miner and had been for 30 years, in 1990 he turned up for work on the morning shift, to be told at 10.00am that morning that he was no longer required. Yes he got his lump sum which a lot of the public out there stated that the payouts were over the top. But let me tell you it does not cover life when there are no jobs to move into, in fact it took 18 long months to get him back into work, then he was working for £2.50 per hour, 60 hour weeks as a security guard, plus he was travelling 50 miles each way to work, it doesnt take Eienstein to work out that most of his wages were being taken up by petrol costs.

Well the final blow came 2003, I coudnt keep going any longer, no more creditors would lend. I by that time had updated my qualifications as I new also that I would soom be made redundant, so I thought I planned ok and in plenty of time to carry on paying the bills, the creditors and hopefully get a better job. I pushed myself mentally and physically, working full time, running a home, taking care of our children and supporting my husband who by this time had , had a nervous breakdown, and was in and out of the local pyschiactic unit at the local hosptial, and doing a part time MBA at the local univeristy. For 3 years this was my life, pushing my own fears and depression, to the back just to keep going and keep my family together.

2003 was when I signed up to a debt management program with a very well known Company, over the next 5 years I paid £65.987 back to my creditors, yes I get a better paid job, my MBA definatlly helped with that, I was working in London and commuting everyday. I spent 35 hours a week on the motorway travelling to and from work, 2008 came after what seemed like a thousand default letters, Phone call threats I couldnt even list, the final blow came with a CCJ from Lloyds TSB for a sum I had no knowledge of owing, £37,000, I turned up to court, asking for a breakdown of the figures, as I honestly didnt know where this figure had come from. The judge agreed with me and Lloyds TSB were given a fortnight to provide the information, well when it came I new something was wrong, it was not a proper statement, I couldnt make heads ot tails of the figures. I then went to see a solicitor as the judge had advised me to do, well 1st hour free, 2nd hour £175 later, the solicitor informed me that they couldnt make heads or tails of the bank fodder, that it would need forensic analysis by a qualified accountant, which would cost another £600-700 pounds. Well I just gave up, I couldnt go on any further. My job disapered right in front of my eyes due to downsizing of the firm, I had recieved a dreaded CCJ, last count 32 default letters, some of them double for the same debt. I couldnt keep affording the payments to the debt management company, so yes I did the most awful thing of all, the central reservation of the M1 was the answer to my prayers. God must have had some ulterior motive for my stupidity, anyway I am here to tell my tail. I am now in an IVA, I am pain riddled, on anti depressants, sleeping tablets. Have had two years of regular psychological intervention, I lock myself away from the world when I dont have to go out. I dont speak to anyone from the past, and I have no one to talk to in my present or in my future.

I feel extremely bitter, frightened, stupid, alone, even the light at the end of the tunnel with the IVA is a hollow triumph as we are still paying off our joint debts through a debt managment company again as my husband cant get an IVA as he is now retired and extremly disabled.

Write a concise letter outlining your conditions and mentioning OFT guidlines and CSA code of practice in relation to the treatment of vulnerable people, post it up here for someone to check, then send it to the relevant DCAs/OCs.

would i need my GP [or another medical profesional] to write or sign this?

i don't suppose there's a letter template for this kind of letter?

i guess a link to the OFT guidelines and CSA code of practice of vuinerable people would be enough to help me.

you can PM me if that's easier.

it's heartbreaking to hear of the way people are being treated by these companies.

esp' when the are struggling with mental/physical illnesses.

Consumer Direct: http://www.direct.gov.uk/en/Governmentcitizensandrights/Consumerrights/index.htm

This website number is an all singing, all dancing organisation who report to Trading Standards, the OFT etc.

YOU DO NOT need to give out any any more info. to chasing DCAs.

All these stories have a common thread running through them: people being lent too much money by greedy banks and then being harassed and bullied by their lenders when, quelle surprise, they can’t afford to pay it back!

I’m hopelessly in debt and it makes me so angry. For too long I’ve endured sleepless nights and months of depression worrying about it all. It affected my relationship with my girlfriend and we nearly split up because of my money problems. Now I can see clearly and I’ve basically resolved to go bankrupt because I know that in a few months I’ll be debt free. I already feel better just knowing I’m going to be free again. I have just finished reading the bankruptcy diaries, an amazing book that had me punching the air as the guy socked it to the banks.

Regulus is right when he says in his post that the worst that can happen is that you lose a few possessions so you shouldn’t let debt ruin your life; they can take everything I own for all I care.

All these stories have a common thread running through them: people being lent too much money by greedy banks and then being harassed and bullied by their lenders when, quelle surprise, they can’t afford to pay it back!

I’m hopelessly in debt and it makes me so angry. For too long I’ve endured sleepless nights and months of depression worrying about it all. It affected my relationship with my girlfriend and we nearly split up because of my money problems. Now I can see clearly and I’ve basically resolved to go bankrupt because I know that in a few months I’ll be debt free. I already feel better just knowing I’m going to be free again. I have just finished reading the bankruptcy diaries, an amazing book that had me punching the air as the guy socked it to the banks.

Regulus is right when he says in his post that the worst that can happen is that you lose a few possessions so you shouldn’t let debt ruin your life; they can take everything I own for all I care.

Have a look around because various companies and charities may be able to help with your BR fees

Good luck, I did it four years ago and boy, what a feeling when the judge signs on the dotted line