My daughter told of this site and how it had helped her over the years reclaim unfair charges and it has been extremely helpful to her over the years, I know she donated several times and so I decided to register myself.

My daughter has suffered severe trauma over the last 12 months and I am very pleased to say that she is in a much better place now.

I am trying to sort her finances out, she is unable to work presently and unsure at this time when she will be capable of working.

I was considering writing to the companies she owed money to explain what's happened to her and ask if they would consider wiping the debt in her circumstances, especially at the moment as we have no idea when she is going to be able to return to work, its not likely to be any time soon as she is in therapy 3 days a week for at least the next 6 months.

The debts are roughly as follows:

Vanquis £650 (paying £1 a month)

Three Mobile £121

Lowell Financial £1200

Welcome Finance (Secured) £18K (paying £10 a month)

Santander Loan (Unsecured) £9K (no payments made since 2010)

HSBC £1500

Robinson Way (Barclaycard) £950

Creditlink account recovery solutions £94.76

My husband and I are old age pensioners and we cannot afford to pay these debts but I know all these letters that come through only add to her stress and depression as they do! We would love to be able to pay this off but we are financially just not able to.

She has a mortgage which she is in arrears with although I am dealing with and they are understanding, there is no equity in the house but the mortagge payment is so low at £429 a month (interest only) we want her to keep this as renting would be of more cost to her.

I am not sure if it is possible for anyone to advise us if it is worth writing to these debters with her situation and seeing if they might consider wiping these debts.

Many thanks

A worried GrannyMargaret.

don't go paying anything or doing anything without checking here first.

go get her credit file noddle, clearscore, Experian are all FREE

Vanquis £650 (paying £1 a month) ..good who is she paying vanquish or a powerless dca like Lowell?

Three Mobile £121 - ignore is this on her credit file

Lowell Financial £1200 - what was the debt type & original creditor

Welcome Finance (Secured) £18K (paying £10 a month) - send a CCA request

Santander Loan (Unsecured) £9K (no payments made since 2010) - its statute barred

HSBC £1500 - last payment please

Robinson Way (Barclaycard) £950 - - send a CCA request

Creditlink account recovery solutions £94.76 - what was the debt type & original creditor

ask your daughter her old username please too i'll find her threads

Hello there DX100uk, Thank you for your reply! I will get a credit report from Experian tomorrow and have marked responses below, thank you again for your help!

don't go paying anything or doing anything without checking here first.

 

go get her credit file noddle, clearscore, Experian are all FREE

 

Vanquis £650 (paying £1 a month) ..good who is she paying vanquish or a powerless dca like Lowell? SHE PAYS DIRECT TO VANQUIS

Three Mobile £121 - ignore is this on her credit file WILL CHECK CREDIT EXPERIAN REPORT

Lowell Financial £1200 - what was the debt type & original creditor MOBILE PHONE/IPAD/THREE

Welcome Finance (Secured) £18K (paying £10 a month) - send a CCA request SHE DID A SAR QUITE A WHILE AGO, HAS PILE OF PAPERWORK/AGREEMENT COPY ETC

Santander Loan (Unsecured) £9K (no payments made since 2010) - its statute barred

HSBC £1500 - last payment please OCTOBER 2017

Robinson Way (Barclaycard) £950 - - send a CCA request - OK WILL DO

Creditlink account recovery solutions £94.76 - what was the debt type & original creditor UNPAID INSURANCE POLICY/BUDJET INSURANCE

ask your daughter her old username please too i'll find her threads

I have obtained the credit report

the Three bill is actually Lowell as well.

Both are on as seperate accounts and she has 2 seperate defaults issued Sep/17.

Interestingly, unless i'm reading it wrong there does not seem to be anything on there for the Santander Abbey loan or the Welcome finance loan.

if debts are not showing make sure all of her old addresses are showing in linked addresses

the double default for the same debt is not hurting her twice as long as the fleecing DCA has not changed the defaulted dates

just remember our golden rules.

a DCA is NOT A BAILIFF

they have ZERO legal powers

NEVER EVER talk on the phone to them or ANYONE concerning her debts.

YOU [as GP's] are NOT responsible for her debts

if all her addresses are showing then it means the debt was defaulted more than 6yrs ago and has been removed.

it is a good point to p'haps the debt being Statute barred

that means no payment in 6yrs

more soon trying to find her old username

rings bells to me

the welcome loan

which home is it secured on and does she still own it the property?

could you poss ask her her old username not getting hits for surrey_74

could you poss ask her her old username not getting hits for surrey_74

Try surrey_36

the welcome loan

which home is it secured on and does she still own it the property?

Its secured on her one bed house, which is home to her and her 2 little children.

She pays £10 p/m. Looking through this huge pile of paperwork it looks like its been taken over by a new company. There is nothing on her credit report about this debt!

Thank you dx100uk although when clicking the link i see this message only:

Message from The Consumer Action Group

Sorry - no matches. Please try some different terms.

https://www.consumeractiongroup.co.uk/forum/search.php?searchid=10112359

Hehe sillyme...

Dont go blindly paying her debts just because you think it will removed the defaults..it won't and it wont help her score either

Hello Granny

I have been fighting the same battle for my sister who likewise is mentally unwell.

Had some great success by sending where appropriate medical reports and a covering letter. So far a significant sum has been written off.

It is very stressful but keep going