Jump to content

 

BankFodder BankFodder

hazbo

Registered Users

Change your profile picture
  • Content Count

    10
  • Joined

  • Last visited

Community Reputation

1 Neutral

About hazbo

  • Rank
    Basic Account Holder
  1. Just to update this: I have sent offers of £1 p/m to Cabot, Blair Oliver &Scott, Wescot and Vanquis/Impact. Also sent Impact the "do not contact me by telephone" and the "do not visit me" letters. As regards the MiB situation I sent a letter asking for disclosure of any information they have on me, just to see how the land-lies. Would like to say that the templates on this site are extremely useful, as is the amount of information available here. I am now getting used to the fact that I will have to deal with this debt problem and not bury my head, thanks to this site. I will keep this updated with progress, and the replies I get from all of the above. Thanks again.
  2. Also forgot to add: Local solicitor £720 - fees for fighting MiB/Weightmans so-far. And yes all the CC's had late payment fees etc Anne's when they were with the original Creditors £100's if not £1000's was added infact. Thanks again.
  3. Hi all, Apologies I should have been more clear in my original post, here is where these debts are at now: Wescot (MBNA CC) £4000 - stopped paying Oct 2012, they don't seem to care... Haven't even sent me a notice that iv missed payments! Cabot (Barclaycard CC) £4500 - stopped paying Oct 2012, threatening further action. Blair, Oliver & Scott (Halifax CC) £4500, stopped paying Oct 2012, threatening further action. Barclays Resolve loan £8600 - up-to date so far, first missed payment will be 4 Jan 2013. Impact (Vanquis CC) £2700 - threatening to visit my house, doorstep collection,beat my granny up etc (joking) Capital One CC £800 - up-to date so far, first missed payment will be 4 Jan 2013. Capital One CC £300 - up-to date so far, first missed payment will be 4 Jan 2013. Very Catalogue £1400 - up-to date so far, first missed payment will be 4 Jan 2013. So, should I cca all of the above and then offer minimum payment? Or some other course of action? Unclebulgaria, the bit about MiB, does that mean the part of the £18500 that relates to injury would still have to be paid, or would the full amount still stand through bankruptcy? Thanks again guys.
  4. Hi Unclebulgaria and thanks for your reply. Its good to know that my wifes property/money will be ok if i do go down the bankruptcy route. I have already had my maximum (2) amount of "time to pay" arrangements with HMRC so will contact CAB/National Debtline to see where i stand now. Hi Oleg and thanks for your reply also. But what do you mean, you've "read" that they'll take action??? I have read on other forums that after MiB have had a DCA chase you for money with no joy, their next step is to take you to court and prove that you owned such vehicle by producing signed copy of vehicle log book with your signature. Still not sure how they can prove it was me driving though. Do you really think that with possible £38k debt and making £670 p/m before deductions i should not go for bankruptcy? surely a fresh start would be better than this noose around my neck? Thanks again.
  5. Also forgot to add that the following lenders in 2008/2009 then passed my debts to: Barclaycard - Cabot Halifax CC - Blair, Oliver and Scott MBNA CC - Wescot (All the above I have been paying up until Oct 2012) And more recently: Vanquis - Impact DCA
  6. Also, with the exception of IMPACT who i am sending a CCA to today, is it too late to CCA all the above DCA's since i have already been paying them? Thanks again.
  7. I'll start from the beginning. I am an engineer and made decent money when i was in the job i had from leaving school at 17, im now 33. Back in 2006 i had debts close to 40k, which i was paying all ok, as listed below: Barclays loan - 19k Barclaycard - 8.5k Halifax CC - 8k MBNA CC - 8k A sudden, unwanted change of job meant i couldnt afford the repayments on above debts. I contacted all the above and after defaulting on payments (adding charges for late payment etc) etc and sending SoA's they all eventually agreed to freeze interest and enter repayment plans (Barclays were v.helpful with the loan and offered a Resolve loan for the 19k completely interest free over 10 years, so instead of paying £400 p/m the repayment was down to £170) the others were all £100 p/m each. As of now the Barclays Resolve loan stands at £8k and all the CC's are down to around 4.5k each. So total was paid down to around 20k from original 40k Around 6 months ago I received a demand for £18500 for an uninsured car accident from 2007 from Weightmans DCA Via MiB (Motorist Insurers Bureau) I hired a solicitor to deny any involvement in this accident and Weightmans have now dropped the claim and returned the file to MiB. However i have since read that MiB,s next step will be to take me to court where they *may* be able to prove my involvement and therefore my liability to pay the £18500 I now find myself working a 2.5 day week on minimum wage, earning £670 p/m. I have Vanquis/IMPACT DCA chasng me for a further 2k CC debt and 1.4k owing to Very catalogue as well as the above debts. I am sinking, really stuggling to pay the bills, let alone all the debt repayments. I really think Bankruptcy is my best option, I have no assets and no savings. I have some questions if anyone is kind enough to help: 1) My wife and her father own our home, I have never owned the house or even been on the mortgage, will bankruptcy have any affect on this? 2) My wife is currently on maternity leave, however she will be made redundant in March 2013 and get a payout of 17k, will bankruptcy have any claim on this money? 3) Our family car is registered on my name, however it is owned by my wifes father, he paid a £1500 deposit and financed £4.8k and we currently pay standing order to him of £140 p/m which covers the payments, The car is legally his and untouchable in Bankruptcy, right? 4) What should my first steps be regarding the CC debts as I have so-far ignored all calls, (Vanquis/IMPACT are making lots of noise about doorstep collection etc) should i offer a £1 payment or such in the meantime? 5) I also owe approx £1500 to HMRC which will be due on 31st Jan 2013 which i already know i wont be able to pay, how should i deal with this? Any help on the above is much appreciated, Thanks in advance
  8. Hi and thanks for moving this thread, I'm new on here and just finding out how it all works. Yes I'm still driving, I have drove for the last 13 years, both on my own policies and, work vehicles on their insurance. I'm not really sure what you mean by I would be able to tell from my own policy, there was never any claim made on my insurance so my premiums have never changed. Does anyone think I should contact MiB directly, or should I let sleeping dogs lie? Thanks again
  9. In April 2012 a man, who I now know was a tracer working on behalf of the Motorist Insurers Bureau (MiB) turned up at my door asking me to confirm my name and had I ever lived at ######### address ( yes this was my address 4/5 yrs ago) He continued that he was here to ask about a car accident that I was allegedly involved in back in 2007 he gave me the location and date of the accident also the registration of the vehicle I was alleged to have been driving. I told him I'd never driven stated vehicle, let alone been involved in any accident, to which he replied "I'll report back to MiB and that'll probably be the end of it" Anyway, 3 months later I received a phone call from Weightmans solicitors asking how I'd like to clear my account of £18500. I was shocked and confused to say the least. I told the operator on the phone call in no uncertain terms that I had never been involved in any such accident, their reply "well MiB have paid out to the 'other' party and have instructed us to recover this amount from yourself, do you have a debit card ready to make a payment sir?" Suffice to say I hung up the call. I went straight to a local solicitor who wasn't exactly clued up in this field but would send a letter saying I strongly denied any involvement in said accident and any attempt to pursue me for money would be strongly defended. At the time of the stated accident I was living in accommodation with a shared postbox with 4 or 5 other properties, my gut feeling is that someone has gotten my details from stolen mail and gave my name when they had this accident. So now as it stands Weightmans have closed this "account" and returned the case to MiB. What I would like advice on from anyone in the know is: What will the MiB do now, surely they need to attempt to prove that I was in any accident, in court maybe? Now that Weightmans have closed this "account" does that prove they were just trying it on or clutching at straws? Thanks in advance for any help
  10. In April 2012 a man, who I now know was a tracer working on behalf of the Motorist Insurers Bureau (MiB) turned up at my door asking me to confirm my name and had I ever lived at ######### address ( yes this was my address 4/5 yrs ago) He continued that he was here to ask about a car accident that I was allegedly involved in back in 2007 he gave me the location and date of the accident also the registration of the vehicle I was alleged to have been driving. I told him I'd never driven stated vehicle, let alone been involved in any accident, to which he replied "I'll report back to MiB and that'll probably be the end of it" Anyway, 3 months later I received a phone call from Weightmans solicitors asking how I'd like to clear my account of £18500. I was shocked and confused to say the least. I told the operator on the phone call in no uncertain terms that I had never been involved in any such accident, their reply "well MiB have paid out to the 'other' party and have instructed us to recover this amount from yourself, do you have a debit card ready to make a payment sir?" Suffice to say I hung up the call. I went straight to a local solicitor who wasn't exactly clued up in this field but would send a letter saying I strongly denied any involvement in said accident and any attempt to pursue me for money would be strongly defended. At the time of the stated accident I was living in accommodation with a shared postbox with 4 or 5 other properties, my gut feeling is that someone has gotten my details from stolen mail and gave my name when they had this accident. So now as it stands Weightmans have closed this "account" and returned the case to MiB. What I would like advice on from anyone in the know is: What will the MiB do now, surely they need to attempt to prove that I was in any accident, in court maybe? Now that Weightmans have closed this "account" does that prove they were just trying it on or clutching at straws? Thanks in advance for any help
×
×
  • Create New...