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rudiconnor

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  1. Hi i have been reading through all your threads, i am in exactly the same situation as you, can i ask you what has happened? Are you any further forward after all this time?
  2. You see the only problem i have with doing everything you said is the time span. If i don't try and settle this somehow before all the interest charges start adding on which is the end of this month, then i have no chance to ever clear it, the debt will nearly double. I have already tried to appeal to their better nature on numerous occasions, and every time they have knocked me down. i explained that obviously if i can only just manage the payments now before the buy it now pay later charges are added, how on earth do they think i am going to manage to pay them then. I honestly think they would rather go down a long process and end up taking me to court rather than let me try and pay off what i owe. I am not disputing i owe it, i just have hit bad times, and everything has come crashing down, and i cant see a way out. I already contacted Step change, and whilst the lady was lovely on the telephone, you know what she said? can i not sell my house to pay off the debt, or get a family member to buy a share of my house so, i then can pay off the debt? I honestly was taken aback, what kind of advice is that?
  3. Hi I really honestly couldn't say how long i have been with the catalogues, its been years now, how would i find out, i tend to do a lot online and switched to paperless statements years ago, and the statements online only go back a year. I confided in my Dad, he said he could give me £2,000 to pay off each debt, but, the problem i have is that won't even clear half, and i still wouldn't be able to manage the payments even with that off. Do you think it would be wise to ask the companies if they would consider a settlement figure, or would it just be a waste of time?
  4. Hi I hope you can help me? I really don't know where to start. I have recently split up with my partner of 20 year. We had to sell our large detatched house and go our separate ways. Fortunately i was lucky enough to get enough money from the sale of our house to buy my own little house for me and my son. I am currently unemployed and i suffer from anxiety and stress, i do get some help for my son from my ex. But, i am struggling now to make ends meet and to top it all off, in the next month my catalogue Buy now pay later purchases will come into affect. I currently owe over £3,000 with Kandco, and over £5,000 with Littlewoods. By the end of next month if i cannot pay them off before the interest hits, these will spiral out of control with a massive interest of over 40%, so, all in all i will be looking at a lot of money owing. I have contacted them both, to tell them that i have hit hard times like a lot of people, and asked if they would accept £50.00 per moth for both until i get back on my feet. They basically told me where to go, stated that as this would be below the minimum payment, they will not accept it. Please help, i don't know what to do, my friend was telling me that she knew someone in the same situation, it went on for a year, numerous threats, letters, phonecalls, numerous debt collection agencies, all refusing to help them, then finally they were issued CCJ'S. After all that the courts accepted their offer of £30 a month of which they had made to the catalogues in the first place over a year ago, so, why don't they just try and help in the first place. My main concern is after reading a lot of threads, is the charges they can put on my property. I am a born worrier to start with, and i know i was stupid, putting myself in this situation if the first place, i am a great believer in that if you havn't got it you can't have it, but, i just kept buying and clicking buy now pay later, thinking that when i sell my house i can pay it all off but, the worse happened, i split from my partner, he had a nervous breakdown afterhe lost his business, we tried for 3 year to sell our house. Property prices dropping all the time and i only just managed to walk away with a little house for us to live in. Now am i going to lose that too? I am at the end of breaking point, i thought that if i contacted them before the debt even happens, it might be better but, they really just dont want to know.
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