my husband lost his job through redundancy around 13 years ago the we had what could only be called a life changing event and my husband had to stop his new business as he was diagnosed with PTSD. We ended up with £20,000 in debts as we had no money coming in. I raised what money I could and my husband manage to sell all his work equipment as he could no longer use it and after a few months we got the debts down to around £11,000, since we have had to survive on my husbands DLA and over the years he has got much worse and I have been told he is unlikely to recover, we have been paying what we can afford to Moorcroft DCA and Credit Securities DCA for over 12 years now, I am disabled and now with the government cuts and the council is now making us pay 25% of our council tax, that means that the few pounds we gave to the DCAs has now gone my husband cant leave the house very often and because of his condition cannot talk to people or use the phone, When Moorcroft called the other night my husband completely lost control and shouted F*** off at the collector and slammed the door in his face. a few minutes later a scribble on the back of an envelope said my husband was being taken to court with no signature etc as we have tried our best to pay these debts regularly but now through no fault of our own we have lost the ability to pay them, my husband has been in a worse condition since and I don't know what to do or where to turn as I can see things escalating.

I think you need to tell it more about the dents please.

value and dates

Hi

Im

No expert but as far as im aware a Dca cannot sribble you being taken to court on a envelope as they have no legal power to do so unless they own the debt. If they are just acting on behalf of the OC they can do didly squat!

As bankfodder says more details would be required.

Hi sorry about that the debts are Credit Security Ltd ( Re Lloyds TSB) £6972.41 (Home improvement Loan)

Credit Security Ltd ( Re Lloyds TSB) £1605.43 (Credit Card)

Moorcroft Debt Recovery Ltd (Re Provident Personal Credit) £2114.30

Hi Shirts,

I am so sorry for all the problems you have been having over the years and can only say that I Honestly know where you're coming from. Due to my ill health and not being able to work we lost our house, we struggled for many years and everything got on top of us when my husband then had to finally give up work to become my Full time carer.

Again we carried on struggling and eventually through no fault of our own we were issued a section 21 notice to quit our flat because we could not give the landlord a date of when we would be moving out and into a council place as we honestly didn't know when we would be given one.

I couldn't manage the stairs with my disability any longer and we were advised by my OT to apply to the council.. Thankfully someone must have been looking down on us because 2 weeks before we were due to quit we were offered a Disabled flat...

Money worries eased a bit as the rent was less but it still wasn't great so we three months ago went for an IVA.. It was the best thing we could have done, we are still able to hold our heads high knowing that we are still paying something towards our debts but they have all been taken away and we no longer get all the phone calls and letters every day demanding money..

Life is still tight, no room for luxuries but at least we can afford a hot meal every night instead of sandwiches as we often used to have as we couldn't afford to eat.. We didn't want the stigma of Bankruptcy and lose total control of our money or bank account so an IVA was the best thing for us. Everything was handled with care and understanding and everyone was really helpful and are only a phone call away if we need them. We now only have to pay £235 each month instead of the £1,980.+ we were having to find every month... This money is paid over 5 years and after 6 years you are considered debt free and have a clean credit file...

We have a little bit of spending money which means that now due to my health I get what I need instead of having to go without as we always used to have to do. We still have to keep a tight rein on how we spend but it's a lot easier than before and as I said, we can hold our head up..

It would have been easy to go for bankruptcy but I wasn't comfortable with that and although we didn't owe a lot compared to others it was a lot for us and would have taken a lifetime to eventually pay back on benefits.... Hope this helps somewhat Shirts..

Hi Shirts and welcome to CAG

Have you sought help with these debts from one of the recognised free services like National Debtline - https://www.google.com/url?q=http://www.nationaldebtline.co.uk/&sa=U&ei=sj-ZUYepBKSW0AXOyIEI&ved=0CAcQFjAA&client=internal-uds-cse&usg=AFQjCNFEd4tBmlVW6QsamGJEiRwU248MQg

They may be able to offer help and advice about your circumstances.

Have you challenged the debts in any way, for instance by sending the creditors a CCA request. You'll find a CCA request template here - http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

Have you kept all the paperwork relating to these debts. In particular, did you receive Default Notices for either debt.

You are most likely eligible for a Debt Relief Order, a simple and fast alternative to bankruptcy. It would put an instant end to the debt misery - and get rid of Cretin Security,s doorstepper.