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Bumbler111

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About Bumbler111

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  1. They are requesting copies of paperwork from the solicitors. I assume that they will just be filling in the time to pay order. If the request halts the court case, then I will be pushing the cca side on my own. If the date has to go ahead, I will be appearing, and requesting (hopefully) a delay while I either read the copies fom the solicitor or Arrow/solicitors send me the documents. Can I contact the sherriff court and ask or a delay until my paperwork appears? Never been to court, so no idea what I can or cannot do.
  2. Hi folks, I've posted here before about my tales of woe, but need a bit of advice again. Having built up a lot of debt through credit cards, I finally hit 'tilt' last year. I finally got in touch with CAB, and after over a decade of paying the cards like a good soldier, I stopped payments (just didn't have the money). I am self employed and have had to move onto part time working about 3 years ago because of my hubbies health. I also have to admit to 'bumping' 2 cards because there just wasn't enough money to go round. Anyhoo, strangely, I didn't get much if any contact from these cards up until January when solicitors contacted me. This has now escalated to a summons to the Sherrif Court in a couple of weeks. Now CAB are going to contact them to ask for a copy of the paperwork they may have. I have to do this as my hubby sufferes from serious depression and 3 years ago flung out a LOT of stuff, including the paperwork for these cards. Now, while CAB are contacting the solicitors, should I contact the Court and tell them I have no paperwork and am awaiting copies. Also should I go ahead and request cca's for all of my debt? On CAB advice, I am sending £1 to all other debtors, all of which have cashed the cheques, although not to the 2 cards as I had no details to send to. (Bit of a weak excuse, but it did me fine at thw time) I really need some help here (or just reassurance), and I know CAB are really good, but I feel I need to be doing something myself.
  3. Thank for advice. I think I'll send a hold action letter now. I can then CCA them, and while this is going on, get myself booked in for the debt advisor. This sound like a plan?
  4. I last used these cards 4(?) years ago, and was making regular payments up until the end of January, beginning of February this year.
  5. Hi Many thanks for reply. Does a DAS have to go through a third party, or can it be done as a diy. Should I send a 'hold action' letter now, and get myself booked into one of the official debt advisor people asap?
  6. Advice on credit card debt please I put the message below in the wrong forum, but someone was kind enough to reply anyway. Many thanks for that (sorry for forgetting your username). I've reprinted it here in the hope of getting the maximum amount of help and advice possible. I've checked out the site and am impressed with the quality of the replies so far. 'In a nutshell, due to husband's mental health, the credit crunch, and me being too soft, I've ended up in debt of probibly £25,000+. I managed the payments for years, and have recently paid of a secured loan, and our mortgage. Unfortunately, at the beginning of this year my business took a downturn (I'm self employed) In January, I took the decision to stop 2 credit card payments (both in my name), and did a serious review of my budget. Now business is picking up again, but I cannot afford to pay these cards. Everything else IS being paid. I did not contact the relevant card issuers, and have, in effect stuck my head in the sand for years now. The amount owed on these cards is probably in the region of £16,000, and I have denied my own existence when they call me (statements go to another address.). Can you give me a bit of advice as to what to do now? Should I write to them with a credit sheet and a postal order, as I have seen advised on forums? Do I have to cut payments to everyone else, or can keep paying the full amount to them, and just work something out with these 2 cards. I need to get this sorted out now before I end up completely cracking up (hanging on by a thread here). I should be starting to cut back on the amount of work I do, and getting a bit of enjoyment out of life. Not working 7 days a week just to cover bills. Please advise.'
  7. Hi Many thanks for your reply. Have I posted this in the wrong bit? If I have, apologies. Was a bit wound up when I posted this morning. Have now opened thread in proper forum -'Dealing with Debt in Scotland'. Can moderator merge threads or something?
  8. Hi In a nutshell, due to husband's mental health, the credit crunch, and me being too soft, I've ended up in debt of probibly £25,000+. I managed the payments for years, and have recently paid of a secured loan, and our mortgage. Unfortunately, at the beginning of this year my business took a downturn (I'm self employed) In January, I took the decision to stop 2 credit card payments (both in my name), and did a serious review of my budget. Now business is picking up again, but I cannot afford to pay these cards. Everything else IS being paid. I did not contact the relevant card issuers, and have, in effect stuck my head in the sand for years now. The amount owed on these cards is probably in the region of £16,000, and I have denied my own existence when they call me (statements go to another address.). Can you give me a bit of advice as to what to do now? Should I write to them with a credit sheet and a postal order, as I have seen advised on forums? Do I have to cut payments to everyone else, or can keep paying the full amount to them, and just work something out with these 2 cards. I need to get this sorted out now before I end up completely cracking up (hanging on by a thread here). I should be starting to cut back on the amount of work I do, and getting a bit of enjoyment out of life. Not working 7 days a week just to cover bills. Please advise.
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