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jobk

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  1. They hve now sent another letter saying pay up or call us to arraneg a payment schedule or we may return the account to our client who may then sell the debt to another agency. What the hell does that mean?
  2. Thanks d. So, I should just ignore the letters completely? I was concerned that they might harass my parents who are elderly and both quite ill.
  3. I owe £9700 to the Cooperative bank credit card (which I originally took out in around 1995 when i was living in the UK although I now live in Spain). A couple of years ago I lost my job. I carried on paying the debt back at the minimum payments as long as I could but eventually could not pay any longer (about £150 per month). Initially the co-op said as I did not have any extra income, I did not have to pay for 6 months and they would freeze the interest. However, after the time was up they sent me a letter (which I did not get in time due to the vagaries of the Spanish postal system) saying I had to respond in 7 days otherwise they would pass my debt over to a collection agency. I replied to the letter the day I received saying I could still not pay or over anything in final settlement as I am currently unemployed and receiving no benefits and my husband (he is Spanish) salary is below the poverty line and we have 2 children. We have a house with a mortgage in Spain. I have no assets in the Uk. I do owe around 2k to Barclaycard which I have continued to pay throughout this time as well as an account with the Next Directory whcih I have now paid off. I received a letter back informing me that they had passed the debt to the Lewis Group and today have received a letter to my home from Lewis grp saying that they have been instructed by their client to recover the debt. That it is imperative for me to pay the amount in full immediately and that it is in my interest to ensure this matter is dealt with as quickly as possible. What should I do now please? I cannot repay the money. The amount I could afford to pay monthly would only be around £20 and that would be a push. What do you recommend please. FYI I have lved in Spain continuously for 15 years and co-op bank were aware I was living in Spain and have sent my statements and correspondence here for many years although when I initially defaulted they did try and call my parents home in the UK severak times (an address where I have never lived incidentally but which I have sometimes used for mailing purposes). Any help anyone can give would be greatly appreciated.
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