I joined here way back in 2010 and never posted because, at the time, I just couldn't get my head around what I needed to do and couldn't articulate the help I needed and I ended up just making monthly payments to APEX (on behalf of an EGG credit card debt of a former partner but it was in my name so my debt of course.)
The general gist is this...and I apologise for any vagueness,
I lost a lot of paperwork a few years ago so some is off memory and also the reason I caved in a few years ago was the fact that I was suffering from mental health problems (depression and anxiety bought on by that former partner...she intentionally got herself pregnant
- as in stopped taking the pill on purpose according to her mother
- when she twigged I might be leaving her then threatened to have an abortion when I did signal my intention to leave her a few months later..
.she had the child anyway then left it unattended in a hotel room in cardiff while she went on a bender and it got taken into care and I've never had contact with him...there's a Jeremy Kyle show right there! :
( but it really affected me as my parents weren't there for me and I;ve never really recovered...still suffering from depression and on new round of medication and therapy sessions at moment yep 8 years later)
The EGG debt was something like £8000 ish.
I agreed to pay £35 a month to APEX as that's the maximum I could afford because I wasn't working.
They froze interest because I provided proof I wasn't working and of my mental health issues.
I have paid that £35 a month religiously on an APEX payment card at the PO since and the debt has reduced accordingly.
Had the odd letter from them asking if I was able to pay more which I couldn't and maybe a phone call a week (which I eventually started ignoring) asking same.
FFWD to middle of May
I got a letter from CABOT (APEX in disguise or the next desk along?) saying the debt was now with them,
you previously had a repayment plan (didnt mention details) but not to worry keep on paying what I was paying.
It didn't mention a new payment card or anything so I didn't pay May's payment to APEX as I was unsure if it would be a wasted payment (if that makes sense) so last one was 16th April (IIRC).
I can't put my hand on the CABOT letter right now but that was the gist,
I then had another letter from them on 22nd May (maybe a fortnight later than first one tops) saying
"thank you for the payments to your account, we think you might be better off with a payment plan as you haven't got one" etc etc
I genuinely don't know what to do.
It's nearly a month later and I've gone to write to them so many times
(my home phone plug is constantly pulled out, I just don't talk to people I've become a hermit the last few years
) offering the £35 again
(really is maximum I can afford out of the ESA I get)
and then I see mentions of the 3 letter steps and similar.
I'm not stupid or thick but I need some help (and maybe a slight bit of hand holding initially) to know the best course of action.
I have had and have other debts (which if possible I'd rather not get into) but none of them have got to that stage (being turned over to someone like APEX), a store card and credit I have that I don't use anymore I pay off with the rest of my ESA,
I barely eat Ive got no appetite so most goes on servicing debts at moment.
..rightly or wrongly it does and If i do get back to work that's something I have to look at but at the moment my concern is CABOT
Part of me wants to stand up to these DCAs (are they?) and do the three letter thing
part of me is so broken and compounded with stress and anxiety from what's gone on/going on personally.
..I just want to not have to worry about letters through the post threatening x, y or z and knowing which ones to ignore and which ones to action and how.
Does any of that make sense?
I'm sorry to be a pain and not as precise as I'd like. I'd love to be THAT person who knows the course of action they'd like to take and sticks the course but I'm such a mess (and have been for a few years) I just don't know what to do
I don't know the proceedures and don't know if I've got the concentration and strength to follow something like the 3 letter thing through, I sound like a pity party now...sorry.