Great thread. This goes out to all, don't worry about what they throw at you, it never stands up! think that your the first of your generation to do your best for your future generations, in 200yrs will any of todays matters be an issue? if anyone has question, thought or worry...please ask, I have a few good tips to help.

Thank you for your kind words and understanding Ro, its so hard, so sad.

Hope you are all well.

Take care

Update from me, I have put my case to the FSA, three days before the 3 month break finishes from when Paratus start chasing again - so I can just do a one line letter stating case with FSA and give them the reference no.

FSA seem to think that giving me a 'rebate' without a breakdown is enough to go by, let alone the problems with getting information out of them, and their blatant lies in the letters they have written.

Sorry to hear about the loss of your cat, the loss of a pet can be very hard to take - hope things pick up soon.

Hi Tuttle,

in 200 years time eh, I'm a family historian and it's of great interest to me what went on 200 years ago I'm one of those strange people who think a step backwards is progress thank you for the offer of support it's appreciated.

xxxxxRo

Starblackie,

I know you won't feel much like anything at the moment but I just wanted you to know we are thinking about you,

love Ro

FSA seem to think that giving me a 'rebate' without a breakdown is enough to go by, let alone the problems with getting information out of them, and their blatant lies in the letters they have written.

Hi SG,

oh I really wish you well with this one, lies seem to be the done thing with these people and none of them willingly give up information,

good luck

Ro

Got the FSA forms today, going to do a draft before I send them off, have dug out and copied the correspondence, and will do a cover sheet showing where they contradict what they are doing (including immediately taking me to court in one letter) and their statement that they did not repo me, the second charge one did some 6 months BEFORE they took over...haven't had any letter from them yet but have the reference no to pass onto them to shut them up for another 3 months or so.

Go through it with a nit comb.

Fingers crossed for you.

Ro

i've cleared my nram, today the solicitors sent a CC date, what a bunch of bullies! i'm going to continue the fsa, trading standards and fos route, because of health and family issues that effect people in the UK. Lets put a stop to these tactics, I know that some peoples 2/3 months arrears are alot, but i bet some are next to nothing for struggling familes who can't pay, why is there blanket treatment?

Hi tuttle,

bullying seems to be second nature to these people and I admire you for taking a stand and you are right debt has to rank as one of the most destructive things that a family can have to deal with. I suspect that the blanket treatment dished out to debtors is because of the depersonalization culture we live with, we all end up as numbers so yes fight your corner and remind them that you are a human being and remember that those who are causing such misery have been found to have acted criminally and fraudulently,many people who owe money have either been unlucky or misguided and have not acted criminally. Good luck.

Ro

Hi tuttle,

bullying seems to be second nature to these people and I admire you for taking a stand and you are right debt has to rank as one of the most destructive things that a family can have to deal with. I suspect that the blanket treatment dished out to debtors is because of the depersonalization culture we live with, we all end up as numbers so yes fight your corner and remind them that you are a human being and remember that those who are causing such misery have been found to have acted criminally and fraudulently,many people who owe money have either been unlucky or misguided and have not acted criminally. Good luck.

 

Ro

indeed, i agree with all you have said, the main issue in the whole country is: the unlucky who own their property and have lost thier jobs, claiming DWP payments on the SMI - have been so pushed in repossessions because the interest rate being paid is less than is charged, the amount is such that after 2yrs and the mortgage help will stop, the shortfall is enough for repossession procedures at the start from that date, shows that this government are truly acting in a way to manipulate the market. The paper for this strategy was written by a university at the time of the coalition came into power, and initiated at that time, so 2yrs on and the repossessions are rife. A total un-caring and out of touch government we are at the mercy of.