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Everything posted by roedeer

  1. Yes, I am still living in Northern Ireland. I was unaware. Thank you. They still made a home visit regardless of the law.
  2. Thank you very much everyone. I feel better . Your replies have all be so helpful and empowering.
  3. I'm really sorry that I am so clueless about this. I dont mean to be annoying. I apologize for my lack of knowledge in this area. I came to this site to help improve my knowledge and I am grateful to you all for your help. May I ask what a CCA is please? I have not heard anything about this account in three years until last week. I was foolish to forget about it.
  4. Thank you for your assistance in this matter . I will try not to answer the door without knowing who is calling first. Should I try to rearrange a repayment plan my original creditor? Or with Cabot? I really can't see them being any more reasonable now than they were in the past. However, the agent said he will keep calling at my home until I pay in full and that is really frightening. It will take me years to pay it off . I don't relish the thought of daily/weekly/whatever scary visits.
  5. Yes, I informed Tesco of my new address. I moved in 2012 and my first default was 2013. My reduced repayments remained the same until my debt was sold to Cabot who increased my repayments to the unaffordable level. I had no way of meeting their requests and I stuck my head in the sand. I was told that my debt had been sold and that I should now deal with Cabot, but when I could not meet their repayments I only got one letter asking me for payment in full. Nothing else at all. Not even a telephone call and I have not changed my number in 15 years. And certainly no letter saying a DCA would make a home visit. I don't know what my next step should be. I'm terrified of their next home visit. He was an imposing person and rather forceful. I'm scared of court action or being made homeless with 3 kids.
  6. Yes, he did try to walk into my home "to discuss the matter further". I did not permit him to enter my home and asked him to leave. He did after making a few thinly veiled threats. I did not allow him to see that my legs had turned to jelly. I suppose he saw a single mother with three crying little ones as an easy target to bully. He was right, but I'm glad I did not allow him to see that I was frightened. My original credit agreement was with Tesco bank. Card taken out in 2009 and first default in 2013. My payment plan was with Tesco and I was paying for around a year via direct debit until they sold my account to a DCA who made my payments unaffordable from the start of their involvement around mid 2015. I have never paid any DCA. I have not heard anything about this account until last week. My last payment (reduced...made directly to the creditor) was may 2015. Thank you for your assistance.
  7. Hello everyone. Im new here, so I hope I am in the right place. I really dont know where to begin. I was paying my credit card off at a reduced rate until around 3 years ago when my debt was sold to Cabot who more than doubled my payments. It was too much for me to afford with no job, recently divorced and a young family to support. So I defaulted. Other than one letter from Cabot asking me for full payment of my debt, I have not received any further payment requests nor notifications of home visits during this time. I have lived at the same address for 6 years. I am in Northern Ireland. Last week I received a home visit from Resolve Call debt collection agency. He said I would have got a letter giving me 7 days notice of his call, but I honestly did not. He was very rude and really frightened me. He said various nasty things and made some threats of court action, bailiffs and being made homeless if I failed to pay in full. He also said that he will keep coming back until I pay up. I have been terrified to answer my door for almost a week. I really dont know what to do or where to go from here. I dont have the money to pay them and they wont listen to reason. I did query the account with him when he tried to push his way into my home by attempting to walk straight through me, but I did not admit to the debt. They want the full amount or they will take me to court. My original debt was for £15000 and with my previous payments it now stands at almost £9000. Any advice would be deeply appreciated.
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