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Mr Worried

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  1. Good evening to all, (re newbie is sinking) I need to decide what is best way forward with F M as I only have till Thursday to make payment of £1100.00 plus my normal payment of £365.00 p m, when they call me on thurs for the payment do I tell them my intention (cca) or do I ignore them untill I send them a hardship letter and a cca? and do i get into a conversation with them over the matter, or will they come for my jugular? whats the best way forward on this one and do I make any payment? would I not be protected with a personal protection plan and if so, then can I enforce it. What is the best account to get bearing in mind my situation, and will I be embarrased whilst in the bank, and will they do paperwork in the foyer or a private room what questions do they ask and what id do i need, when and if I get account how do I explain to my creditors Lloyds that I am leaving them, although the debt is mine and would it cause my partner any grief as it is a joint acc, (should she leave too?) Apart from that and the other issues, I would like to thank you all so much for your help and support you have given me so far. Speek soon Oh and are they any get togethers in the Tyneside area coming up as I would love to meet fellow CAGers.
  2. PGH Thanks very much for your input..cheers.
  3. Wow so much concern, thankyou to Stephie,Bookworm,Woody Berry and 42Man, I had to start a thread then try to upload from other area whilst i tried to do this enamae done it first so please read my original post that enamae has transfered. Thank you all so much, i'm not much help today as i am hiding at home affraid to go out, I just hope the advice comes along soon. Cheers:-(
  4. Can You Help Me Please Hi I am new here and I was on this forum for 5 hrs yesterday reading all of the problems, and I am amazed at the help that is on offer here, I was impressed in the way that (bobneedhelp) was nurtured through his dilema very well done to you all for helping him. So here we go well some of it any way, I wont bleat on about how it happened as you dont need to know that, however I believe that I have a fair few problems, and yes I have had Jacobs, bailiffs, henchmen, rossendales, etc all at my door, not to mention the dca's (to which I either paid in full or agreed a payment plan, but wish I had'nt after finding this forum) my pressing problems and questions are as follows.. Firstly do I need a debt company to help me, I have used one before and became mate's with the owner and I think he just fobbed my creditors off, and that is how i got two charges on the house as I believe he did'nt act accordingly, dont know if he had licence to act on my or others behalf. I have listned to talk sport (jon gaunt) and he recomends Debt wizard Mike Thomas, I called them and then a company called Bright oak called me and said they work with debt wizard, but the original person I spoke to (Jason) has now left the company and his collegue Kelly jago has not returned my calls or mails?? I am £1100.00 behind in a secured loan (future Mortages) and although they have been polite with there calls , they are expecting full payment of the arrears this Thursday, obviously I cant meet their demand..Any Advice? I have been sent paperwork from Poole c/c for an unpaid buisiness loan/overdraft Value £4729.55 total cost etc £5636.04, Lloyds TSB , I was paying them £70.00 pm but did not make payments for several months because I could'nt afford to,how do I respond to this etc etc. I have two charges on my property one by the sherriffs officer, and one from a trade supplier, can I get these looked at and do anything about them? I missed a court day last week for council tax from 2 yr ago and just reading the letter is was with the intention to enforce, what will happen now and what should I do in this instance? Lloyds TSB visa they sent me a default notice, then proceeded to take the money from my acc also with LIoyds , then put me into an unplanned over draft which is encuring daily charges What do I do, I have various credit cards etc (so has my partner which she used to help me) which we cant afford to pay, is there anything that we can do to have them 'looked at'. Ther are other matters going on in my life and I will post this when I have sorted a few things out. My observations within the forums are as follows.. 1.Why use the CCA method would'nt creditors see this as obstruction and delay tactics? 2..If you dont sign a letter is that legal correspondence? 3..Who do I get the postal orders made out to. re CCA or can they be left blank, and is everything done by recorded delivery? 4..When is it best to use CCR and S.A.R - (Subject Access Request) I cant get my head around this? 5..Over the last few years I have amassed copius amounts of charges from bank and CC companies can I get these back and how do I request this? 6..Monument visa called me and did not do security checks and proceeded to divulge info to me not knowing if i 'was me' when I challenged their decission to tell 'a stranger' my affairs they started to backtrack then take me through security I declined and they hung up ..what can I do? 7..What is classed as an unenforceable debt? 8..I have a trade supplier chasing me for 6k from about 4 yr ago they had a few £50.00 payments which was agreed, now they want to know what my plans are to pay the debt? 9..Am i allowed to record calls which I recieve, as some companies say they will not continue the conversation if I record..is this not agravating the situation? 10..My partner recieves calls and pressure at work from her CC companies 're helping me' some of them she has a payment plan, can we request a CCA or will this 'rock the boat? Over all I am in a mess and my relationship is suffering and my partner is on medication for depression and I feel guilty as this is all my doing, but I want to remain possitive and move forward in finding a solution that works and where I wont be let down, and the info I am given is in my best interest , that I believe will come from this site. Please help me, I may not sound distressed but believe me I am hidding my suffering from my family and it is killing me to do so, being self employed is not helping as there is hardly any work about and I am struggling to pay my monthlies not to mention the debt. In a nutshell what the hell do I do and how do I do it? THANK YOU IN ADVANCE.
  5. Hi I am new here and I was on this forum for 5 hrs yesterday reading all of the problems, and I am amazed at the help that is on offer here, I was impressed in the way that (bobneedhelp) was nurtured through his dilema very well done to you all for helping him. So here we go well some of it any way, I wont bleat on about how it happened as you dont need to know that, however I believe that I have a fair few problems, and yes I have had Jacobs, bailiffs, henchmen, rossendales, etc all at my door, not to mention the dca's (to which I either paid in full or agreed a payment plan, but wish I had'nt after finding this forum) my pressing problems and questions are as follows.. Firstly do I need a debt company to help me, I have used one before and became mate's with the owner and I think he just fobbed my creditors off, and that is how i got two charges on the house as I believe he did'nt act accordingly, dont know if he had licence to act on my or others behalf. I have listned to talk sport (jon gaunt) and he recomends Debt wizard Mike Thomas, I called them and then a company called Bright oak called me and said they work with debt wizard, but the original person I spoke to (Jason) has now left the company and his collegue Kelly jago has not returned my calls or mails?? I am £1100.00 behind in a secured loan (future Mortages) and although they have been polite with there calls , they are expecting full payment of the arrears this Thursday, obviously I cant meet their demand..Any Advice? I have been sent paperwork from Poole c/c for an unpaid buisiness loan/overdraft Value £4729.55 total cost etc £5636.04, Lloyds TSB , I was paying them £70.00 pm but did not make payments for several months because I could'nt afford to,how do I respond to this etc etc. I have two charges on my property one by the sherriffs officer, and one from a trade supplier, can I get these looked at and do anything about them? I missed a court day last week for council tax from 2 yr ago and just reading the letter is was with the intention to enforce, what will happen now and what should I do in this instance? Lloyds TSB visa they sent me a default notice, then proceeded to take the money from my acc also with LIoyds , then put me into an unplanned over draft which is encuring daily charges What do I do, I have various credit cards etc (so has my partner which she used to help me) which we cant afford to pay, is there anything that we can do to have them 'looked at'. Ther are other matters going on in my life and I will post this when I have sorted a few things out. My observations within the forums are as follows.. 1.Why use the CCA method would'nt creditors see this as obstruction and delay tactics? 2..If you dont sign a letter is that legal correspondence? 3..Who do I get the postal orders made out to. re CCA or can they be left blank, and is everything done by recorded delivery? 4..When is it best to use CCR and S.A.R - (Subject Access Request) I cant get my head around this? 5..Over the last few years I have amassed copius amounts of charges from bank and CC companies can I get these back and how do I request this? 6..Monument visa called me and did not do security checks and proceeded to divulge info to me not knowing if i 'was me' when I challenged their decission to tell 'a stranger' my affairs they started to backtrack then take me through security I declined and they hung up ..what can I do? 7..What is classed as an unenforceable debt? 8..I have a trade supplier chasing me for 6k from about 4 yr ago they had a few £50.00 payments which was agreed, now they want to know what my plans are to pay the debt? 9..Am i allowed to record calls which I recieve, as some companies say they will not continue the conversation if I record..is this not agravating the situation? 10..My partner recieves calls and pressure at work from her CC companies 're helping me' some of them she has a payment plan, can we request a CCA or will this 'rock the boat? Over all I am in a mess and my relationship is suffering and my partner is on medication for depression and I feel guilty as this is all my doing, but I want to remain possitive and move forward in finding a solution that works and where I wont be let down, and the info I am given is in my best interest , that I believe will come from this site. Please help me, I may not sound distressed but believe me I am hidding my suffering from my family and it is killing me to do so, being self employed is not helping as there is hardly any work about and I am struggling to pay my monthlies not to mention the debt. In a nutshell what the hell do I do and how do I do it? THANK YOU IN ADVANCE.
  6. Sorry Lula, did'nt know I was in wrong area of forum. Thank you
  7. Hello to all of you people within this forum, I am hiding in the house today, and I have bitten my finger nail s off with worry and disgust:mad:, that was untill I came accross this forum..wow it is fantastic and some of the advice on here is amazing. When I pluck up the courage to tell you my scenario, then I will post, untill then good luck to you all...
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