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tete1980

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Everything posted by tete1980

  1. why be cautious about entering into bankruptcy regarding mortgage shortfall? i dont want to go bankrupt it seems a bit extreme. CAB dont seem to think i should worry too much. although i havent shown them my recent letter. is it a DCA still trying to contact me do you think?
  2. IVE READ ALOT OF LETTERS ON HERE REGARDING DCA'S. WHY DO BANKS ETC USE THESE PEOPLE THEIR TACTICS ARE SCARY AND DISGUSTING. DO THEY REALLY THINK BECAUSE WE GOT INTO DEBT THAT WE ARE ALL A BUNCH OF IDIOTS WHO DONT KNOW THE LAW?! DO THEY THINK THAT BY SENDING ME A LETTER ASKING ME TO CALL THEM REGARDING AN IMPORTANT MATTER WITH NO EXPLANATION AS TO WHAT MATTER THEY ARE REFERRING TO, THAT I AM THEN GOING TO RUSH TO THE TELEPHONE AND ADMIT I OWE THE DEBT AND OFFER THEM SOMETHING STUPID LIKE £200 A MONTH FOR THE NEXT 40 YEARS! COS THATS HOW LONG IT WOULD TAKE TO PAY OFF AND I COULDNT AFFORD 200 A M
  3. But If I Do Write And Tell Them To Sue Us Or Sod Off Then Arent I Making Contact And Acknowledging The Debt? How Do I Know That We Owe Them 46k They Could Be Making It All Up! I Read Somewhere Else That They Cant Chase After 6 Years Is That Correct? Maybe I Should Wait To Hear From Ge Money And Then Ask For A Subject Access Request? Wot Do You Think? If They Really Want Their Money Surely They Will Take Us To Court In The End!!
  4. we handed the keys back to our house in sept 2007 then 3 months ago had a letter from DLC demanding we pay 46'000 shortfall. as you know we have no assets i dont work as we have two disabled children. we noe live in a rented housing association property. ignored letter from DLC and heard nothing for 4 weeks then yesterday recieved a letter from a company called past due credit. it said i should contact them regarding an important matter but it does not say who they are working for and what its regarding! i can only assume its GE money have got another debt collector on to it? surely they are s
  5. i am receiving letters from dlc a debt collection agency for nearly 47'000 which i apparently owe for a mortgage shortfall on a house my husband and i owned and it was repossessed 2 years ago. ther is no explanation as to how they have come to this figure as i thought there would only be about a 15'000 shortfall. anyway after the repossession i never gave my forwarding address.i just handed back the keys. i am asingle mum now on benefits how can i write to the dca to tell them to take me to the court? i feel its best to go to court as i can then speak to the courts and try to arrange a payment
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