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About jagxjs

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  1. Hi Sorry but why am I getting email after email about this post sent to me ?
  2. ok again thanks for all advice , im going to continue and struggle on paying the wifes debts and maybe look at getting reduced payments but as for mine i think ill go down the DRO route and try get it sorted but will see and open new bank account somewhere first
  3. Ok so lets say i dont even say or show ive got the camper will they check somehow and will they or can they come to house and check what assets there and so on
  4. Ok thanks guys for all the help & advice I think I will go the DRO option but will open a new bank account somewhere else first etc. The only other things im little worried about is reading on the DRO it says about I wont be able to apply for credit but what about things like my car insurance as thats classed as credit paying it monthly Plus they say i must not have assets or car worth over £1,000 so what about things like my car worth around 2.5k and as said before when my father passed away he left me his camper that I cant part with its worth about 4k and what about things in house and jewellery etc ?? Can they come to house and check and so on
  5. So sorry but just to check do i write to all these about the debts and try get deal to reduce monthly payments and stop all interest first or do I stop payments then write to them ? Same if I was going for the DRO option do I just sort out and apply for that first or stop all payments then apply for it .
  6. Thanks ive got them now to read through and also got a pro rata form .
  7. say i was going to write to all these about the debts and try get deal to reduce monthly payments and stop all interest do I write to them first or do I stop payments then write to them ? Same if I was going for a DRO do I just sort out and apply for that first or stop all payments then apply for it . Also I see for a DRO it says ive got to go through an authorised debt adviser so who do i go to about this and at moment we still on lockdown here in wales and not many places open . Last off ive asked regarding pro rata forms and still cant find any
  8. Sorry I dont understand whats going on here I cant see find or open pro rata letter and in the message now you say look at this link but its not showing me any link to look at ?? Yes my debts are around 9k & about 4.5k in wifes . When you say no assets ive no savings or anything but what about things like my car worth around 2.5k and when my father passed away he left me his camper that I cant part with its worth about 4k also what about house contents like tv's etc and wifes jewellery and so on ??
  9. ok thanks so where are the pro rata forms so I can start sorting and sending to each to get the ball rolling. Also sorry should have said i dont own my home im renting from housing association
  10. Ok I cant find pro rata letter and dont knowhow to get to the debt collection section of our library . Id like to send letters and see if I can get low monthly payments for now or am I better off looking at a way to get them cleared like see some saying about going bankrupt or apply to courts to get them wrote off or something I dont fully understand best ways to go about things and dont want it all going down against me and effecting my credit etc as I know some say you cant get car insurance on monthly basis or mobile phone contract etc if goes down on credit score and I need car insurance of course with disabled family I cant not be without car
  11. Ok thanks so in regards to all the debts whats my best way to go about them and trying to get low payments and interest stopped on them for now
  12. I’m still thinking about this PayPal but only because ive been reading other forums and them saying that PayPal sells the debt to other companies and then they chase you for it . Here are the other debts I have below and I’m still paying them all but now really struggling with it as I’m now full carer and no tidy income. None of these have I failed to pay yet to date and ive never been to court or anything and no criminal record ive always been clean & tidy and always paid things without fail but due to circumstances already said about ive now got deeper in owing more and just really struggling now and cant afford all the payments I’m paying plus then all the interest that keeps going back on them. Nationwide building society credit card £4,400 Nationwide building society overdraft £345 Capital 1 £2,594 Argos credit/store card £1,904 the wife also has Nationwide credit card £1,600 Argos credit/store card £1,875 Capital 1 £1,280 Its the Nationwide bank I’m really wanting to keep sweet as ive been with them since I was like 17 and I’m 50 now plus I use it for all direct debits and car insurance / life insurance etc etc plus I rely on the overdraft from month to month.
  13. wont paypal keep hounding me or even sell the dept on to others to hound me ? Been trying with family & nephew to sort this but they cant he gambled everything so no chance me getting it and now im left with it to deal with
  14. Yes wife was hair dresser she started getting ill and all her joints etc hurting and pain all over her body and so on after long tests she was told its Fibromyalgia well they have been treating her and meds etc but it just got worse and worse to the point some days she cant move or turn over and its attacked all her joints and nerve system plus started calcifying bones resulting in 2 operations already to shave bone joints in shoulders but just getting worse and my daughter is special needs so now I care for both 24/7 . you say do nothing with paypal but im really worried about it. I will sort out and list other debts later when get more time and hopefully get advice on best way to send them letters etc and hopefully get payments reduced
  15. Help & Advice wanted on PayPal debt please I had someone staying with me for a while before they moved away and they had access to my PayPal account and was buying a few things and giving me the money no problem but then unknown to me until it was to late they had a gambling problem also and last off used my PayPal to fund online gambling . They ended up using £5,000 through PayPal and the first I knew was when I went to do some online banking and seen £1200 went out of my bank for PayPal so I looked straightaway and stopped / cancelled my bank letting PayPal take from my account . Then I logged on to PayPal and seen transactions 1 after another this going to total the £5,000 so I unlinked my bank & cards from PayPal account . Then nearly 2 weeks after I started getting emails and messages saying my account was in negative balance for £3,800 because they already had the £1200 . I’m in a bit of debt anyway and struggling so for this to happen left me feeling very ill to find they have spent thousands and left me without anything no money to live on or feed family even at the time as that £1200 that was took out of my account was all I had, I’m very annoyed and feeling very mad and very ill. Ive no idea how I can put this right as got no work no money because My wife got struck down with illness and disabled and I also have special needs daughter so I’m now a full time carer for both wife and daughter . I need to sort this but dont know how or best way to go about it. Ive had emails from PayPal and ive replied and explained plus went on live chat etc and asked for it to be logged and for them to please come to some payment agreement even though I cant afford it I know I got to put things right somehow but had no joy in chat and was just told pay into PayPal what I owe. So again I get emails and I reply but not getting any reply back to my emails . Ive not told my ill disabled wife about this right now as it would push her over the top and make her more ill thinking about it and its her Nephew to top things off so I know it would destroy her . Ive tried talking to someone with PayPal in live chat etc and emails as said asked if it can be logged showing ive been in touch regarding this matter and need to try sort it and also asked for them to contact me in writing so hopefully we can come to some sort of agreement to put this right but so far its been about 31 days now since account been in negative and ive had no phone calls or letters from them yet So what can I do and whats best way to deal with this I’m trying to pursue the person for these funds as we speak but know I’m not going to get anywhere
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