I am alsmost suicidal with worry... re debt agencies..

[BABYHOLLIE]

Firstly I have to tell you soem background as need help. I have posted somewhere else on here but not sure if in the correct place.

 

I have had a horrible year and i mean horrible as my daughter has been very ill and in and out of hospital. This all made be depressed and hence got behind with my bills.

 

Yesterday I had a pre bailiff visit as not paid one of my accounts and I had forgotten. It was on behalf of cl finance???

 

Before I got in this mess I had a good job, earned good money and goood live comfortable.

 

Now I do ot have hardly any money to live off. I cannot afford to run my 04 car as cannot afford the tax or insurance.

 

Well you have to magine I was very depressed soemthing I though was not a serious illness but honestly I could not be botehred to pay anything at all. I knew I had to do something so went to the cccs which were fine but i missed acouple of months as just could not be bothered so they sent me all the detaisl to deal with my creditors direct.

 

Well to cut a long story I work part time and i decided i had to try and claer some debt and my crditers were being terrible and hence my mum got my tax crdits/working tax credits every week and has been paying them off for the last 4 months.. the thing is i never know where the next penny is coming from although what i do know is the debts are going down.

 

Most my debts are with agencies now like wescoot, howard Cowen and couiple of more. I am about £7,000 in debt altogther.

 

I ahve been reading through threads and it seems i just be dealing with the people themselves rather than the debt agencies. Please could sombody point me in the correct direction.

 

 

I also am scared stiff of the re bailiff man coming back as i know him as my daughter went to school with his.. what shall I do about this. I ahve no money for Christams either as i got behind with my abbey mortgage and it went to court and have to pay my normal amount of £800 plus an extra £150 on top.. they have said (eversheds that they willl do this for 6 months then the capital will be added to end of loan) and be back with the abbey.

 

I have had 3 hours sleep all night with worry and just do not know what to do or where to turn.

 

I put in my other thread i have complained about the abbey as after 8 weeks they still ahve not decided if i can have my bank charges back as living in hardship. There letter of reply we still have not finsidhed our investigations and if i wish to complain to the finacial omnisbun then do. I hgae the complaint form now so need to know what shall I include in it.

 

I appreciate anybody at all that can elp me.

 

Thanks so so much maybe there is light at the end of the tunnel.

[BABYHOLLIE]

Hello there I just thought I would let you know my mum is dealing with my debts and I will be going to house in the morning to go through them all. I am paying too much as all my tax credits are going on debt but that includes my car laon that I am paying the full amount to black horse and that is all up to date.

 

I have not hd time to read through all replies in depth but I intend to do so this eveing.

 

All my debts are with either debt collecter agaencies or with the compnay. I have pais alot off already buit still owe alot too. Ony one of the debts has gone to to court and give me a ccg and that was my mothercare account with Howard Cohan.

 

I have paid this months mortgage plus what I ahve to pay extra alreday and know I have to do this or will loose the house.

 

I would also like to add this place is so good as I feel better already knowing you are all here to support me and give me help which means alot to me.

 

I appreciate everything.

 

In the morning/afternoon I will post all debt that I have and see what you folks can do. My halifax laon and my mortgage are with Eversheds.

 

Thanks so much.

[BABYHOLLIE]

Hello just a little update. My mother has been ill but meeting her all being well on Thursday to go through everything and will post all information on here. The card that came through my lrrtter box was one from the CL Finance re my laura ashley account. The card said it was a pre bailiff visit and ring urgent and i have don this and he says i have to pay him £122 straight away or will remove goods from my property. The debt is for a total of £350 only.

The compnay that has sent him is CL finance.

 

IAgain thanks so much as I have said I will update what debts but off my head I have the following ones

 

 

MY MORTGAGE £950 PER MONTH - BEEN TO COURT AND HAVE TO PAY NORMAL AMOUNT OF £797 PLUS £150 ON TOP.

BANK LOAN WITH HALIFAX £9000 - WITH DEBT COLLECTER EVERSHEDS

CREDIT CARD HALIFAX APPRX 2000 - WITH HALIFAX STILL

 

CITI BANK CREDIT CARD £600- STILL WITH THEM BEHIND BY £50

LAURA ASHLEY £350 WITH CL FINACE

MOTHERCARE £1500 APPROX- WITH HOWARD AND COWEN BUT NOT 100% SURE

 

NEXT £890- WITH DEBT COLLECTER

ARGOS£1100 WITH DETS AGENCY

CAR LAON WITH BLACK HORSE FINANCE £11,000- ALL UP TO DATE

 

I work and earn £80 per week but self employed so so about £60 as can claim lots as a childminder part time

 

I also get dla the highest rate as my daughter has been so ill of £264 pm

 

carers allowance £45 per week

 

tax cretits and child tax credits £275 per week but i have my son in after school so that costs me £35 per week.

 

i get child maintenace also of £331 per month

 

child benefit £154 per month

 

I think that is it off my head but will put an in depth and proper amounts etc Thursday if that is okay.

 

Again thanks so much I got a first night of good sleep.

[BABYHOLLIE]

Oh thanks so much. yes I need my car. One of my debts does have a ccj but unsure which one as my mother i doing it all but perhaps I had better get it all back. What is the cca letter you refer to that I have to send the debt collecters?

 

I preume it will be in the templates.

 

Oh also I have made a complaint to the Abbey as after to going to the CAB they told me i could apply to the bank for my charges back under the grounds of hardship. The Abbey said they needed 8 wekks to look into it and then a week ago got a letter after the 8 weeks are up to say they have not concluded their research and i could complain to finacail ombismun if i wanted to which i have and have got the forms here already to fill in and send. What shall I put on them shall I say i have been depressed and my daughter is seriously ill etc.. I used to have very good creit and 2.5 years agao bought this house on my own so they will know ot had many charges etc before the 1 year (the past year) My daughter still is ill but getting better... she is diabetic but anorexic so terrible rally!

 

Thanks again I appreciate it so much knowing I can share here

[BABYHOLLIE]

hello my car is in the garage the tax is still valid but the insurance not. I would never drive a car without either of the baove. Thanks for pointing me in the correct direction too.

 

Nicola

[BABYHOLLIE]

Oh my goodness I cannot beleive how nice and helpful you guys.girls are on here.. so sorry I ahve not been into contact with anybody but my daughter (the one with diabetes and bulleamis) has been in hopsital again. This is why I got into debt in the first instance.. she just will not do her insulin and binges and makes herself sick and the doctirs say it is very very dangerous and life threatening as her blood suagars are always over 35 or unreadable.. anyway enough of that. But herbeing like this made me depressed alson with many other issues regarding bad builders in the house etc..

Anyway I now have all my correct details at hand.

1. ARGOS CARD SERVICES

BALANCE: £982.52

PAYING £70 PER MONTH

BEING DEALT WITHMOORCROFT DEBT RECOVERY

2. LAURA ASHLEY

BALANCE £367.93- THIS HAS A CCJ AND APPRANTLY I HAVE NOT BEEN KEEPING UP WITH HENCE THE DEBT COLLECTER CAME AND MY MUM HAS PAID HIM £122 AND HE HAS SAID RING THEM BACK UP AND WILL GET IT REDUCED TO JUST £10 PER MONTH AS I HAVE A MOTHERCARE ACCOUNT TOO WITH THEM AND THAT IS WHAT THEY SAY. I RANG THEM THIS MORNING.

3. HALIFAX VISA CARD

BALANCE £1944.15

STILL WITH THE HALIFAX AND AM PAYING £56.48 PER MONTH

4. LITTLE WOODS- STILL WITH THEM AND I AM PAYING THEM £100 AMONTH AND OWE A MIN PAYMENT OF £300 I HAVE SPOKE TO THEM A COUPLE OF WEEKS AGAO AND HAVE SAID £100 IS THE MIN I CAN PAY THEM.

5. MARKS AND SPENCER FINACIAL SERVICES RE THEIR CHARGE CARD

BALANCE £740.00

THIS IS WITH MOORCROFTS AND THEY HAVE SAID I HAVE TO PAY A MIN OF £120 PER MONTH?

6. NEXT DIRECTORT Y

BALANCE £ 1050.41

THIS SI WITH IQOR DEBT RECOVERY AND PAYING THEM AT THE MOMENT £50 PER MONTH

7. BANK OVERDRAFT WITH TEH HALIFAX

BALANCE £555

HAVE ARRNAGED TO PAY THEM £100 A MONTH AND HAVE STOOK TO THIS AMOUNT IT IS STILL WITH THEM ALSO.

8. MORTGAGE WITH EVERSHEDS MY NORMAL AMOUNT IS £797 AND HAVE TO PAY AN EXTRA £150 PER MONTH HENCE £950 PAYING OUT

9. CAR LOAN ALL UP TO DATE AND HAVE TO PAY £233 PER MONTH AND HAVE THIS ON DIRECT DEBIT WITH THEM THIS IS WITH BLACK HORSE FINACE

10. CIT CARDS VISA CARD

BALANCE £780

THIS IS WITH CABOT FINACE AND I HAVE BEEN PAYING£10 PER MONTHS

11. LOAN WITH HALIFAX THIS IS WITH EVERSHEDS AND THEY HAVE JUST SENT ME AN INCOME AND EXPENDITURE TO FILL IN AND RETURN TO THEM TO SEE HOW MUCH I CAN AFFORD TO PAY BACK TO THEM. I OWE THEM ABOUT £8000 OFF MY HEAD MAYBE A LITLE LESS

12. IKEA BALANCE

BALANCE £650

THE ACCOUNT IS WITH COURTLINK DEBT COLLECTERS

I AM PAYING THEM £75 A MONTH

13. MOTHERCARE ACOUNT

BALANCE £1786

P[AYING £10 PER MONTH

THIS IS WITH HOWARD COWEN AND THERE IS A CCJ ON THIS ACCOUNT TOO

GOSH I AM IN ALOT OF DEBT AREN'T I????

I HAVE KEPT UP PAYING EVERYTHING FOR THE LAST 4 MONTHS OTHER THAN THE LAURA ASHLEY ONE WHERE I PAID £122 TO THE DEBT COLLECTER AND TODAY HAVE SPOKEN TO HOWARD SOHEN AND THEY ARE GOING TO REDUCE THE MONTHLY AMOUNT I HAVE TO PAY THEM DOWN TO £10

All my gas, electric, poll tax, cart loan and the mortgage is up to date.

I am not using my car as not taxed and my direct bounced last week for the insurance. I do really need the car as finding it so hard getting around.

I work 2 days at the momnet childminding and only earn about £80 per week. I used to earn £500/600 per week before all opf this but had to give up work as my daughter has been so so ill in and out of hospital for the past year!

Okay my INCOME is as follows

Child maintenance £539

tax credits £1110

DLA £264

CARERS ALLOWNACE £180

EARNED INCOME ££346

FAMILY ALLOWANCE £164

THINKS THAT IS IT

I ALSO PAY CHILDCARE BUT IT IS THE AFTER SCHOOL CLUB £40 PER WEEK AND THAT IS INCLUDED IN THE AMOUNT OF TAX CREDITS I GET.

WHAT SHOULD I DO SEND THEM ALL ALETTER OTHER THAN THE ONES I AM JUST PAYING £10 A MONTH??

THANKS PEOPLE VERY VERY MUCH APPRECIATED INDEED AND FEEL PART OF 'A FAMILY'

 

[BABYHOLLIE]

Hi there thanks again for everything... by the way if i type funny I am dyslexic and type too qick for my brian. I am going to do an income and expenditure and think I can cope myself or am I best using the site the payplan. I do have degee belive it or not lol.

I have downloaded the online debt spreadsheet for income and expenditure.. Can I just ask sombody some where said they do not count DlA is this correct do you know.

I also do have charges with all of these accounts can I claim these back perhaps or not? I could perhaps go down the lines where I am with the Abbey as regards their charges under the a hardship caseas honestly although I look to have money coming in on paper I have not got as keep getting charges all the time due to poor cash flow.

Thanks

[BABYHOLLIE]

Okay I am going to do what is told but before I send the letter just need to ask a questions. Today I get my tax credits and my mum says it is today I have to pay Moorcrofts £75 and Index £100 shall I get my car taxed and insured instead as really do need this on the raod and at the momnet it is off the road in the garage.

Thanks again you are all my starts!!!! I gfeels so so much better knowing I have you lot to help me through all this.

[BABYHOLLIE]

is it a cca letter or dca letter i am sending them???? sorry to sound silly but just looking through templates.... Nicola x

[BABYHOLLIE]

Hello just me agan so sorry to have to ask so many questions but do not want to be a fool and need to knopw exactly what I am doing is this the CCA letter. I ahve also been looking at templates is it not worth sending letters to write off my debts??? is this ever the case. I am under, well was for depression due to my daughter being so ill. Withe her diabestes she shouts kicks etc and last week we were driving to school and she pulled laods of my hair out. She has bulleamis too and we are under a psychologist and mental nurse as well as here diabestes speacilaist. Having all this is stressing me out I know. As it stands I have bought about 3 presents for Christmas and I have three children and are single ages 16, 14 and 7.

Oh thi is the letter I have found... is this the one???????

 

1 High Street,

Newtown,

Kent

R21 4RH

 

 

June 28, 2006

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

 

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

 

We understand a copy of our credit agreement should be supplied within 12 working days.

 

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

__________________

 

[BABYHOLLIE]

Oh another quick question also do I send any payments at all to my crediters while i wait for a response or not? What is the one pound postal order for also? Do I get the postal order made payable to each indivial comany or the debt agaency.. Also am i sending the cca letters to the people who the debt is with or the people collecting the debt. Thanks

[BABYHOLLIE]

Hi there thanks so much for asking. I have just sent the form off to the crediter to both who the company was with and also to the debt agencey.

 

I jhave another question I have been issed with ccj the one where I refered to where the bailiffs came and left me note to say it was pre bailiff visit. This has gone to court and today, evrn though I paid the debt collecter/bailiff £122 I have to pay them £150 or it says they will send in more bailiffs.. but worried about this as I have no money at at alla nd this year the children will be hardly getting any present.

 

I also would liek to add I have had a reply from the Abbey, after going to the Citens advice Bureau they told me that I could try and claim the past year since my daughter has been in hospital in and out off under a different term under the condition of finacail hardship. I gave them 8 weeks to reply and today they replied afyter 12 weeks so I am now complaining to the fiancial obbusman under terms of hardship as the Abbey replied saying I knew about the terms and the conditions when I opened the account etc..

I ahve just filled the form in and will return it recorded delivery.

 

My daughter has been very ill in hosptial again last week so everything been everywhere and to be honest have been getting depressed again but I am still coping which is very good as would not be on here if not. Again when they write back will let you know each crediters reply and post on here

 

Another question.. I ahave sent them a token payment all of them, of £1 until I get on track this is correct and this £1 is ontop of the £1 you told me to send as well for there service. I hope I have done correct. What do I do if they demand more from me.

 

Eversheds have replied and want and income and expenditure which I have also sent one to them for thir attention as that is where my big debt is with the Halifax for laon I took out.

 

Thanks so much for cheering me up you make me feel I am not the only one with debt!

 

Nicola x

[BABYHOLLIE]

Hello there just dropping in gain I am truly feeling good and posotive tonight but wanted to ask a quick qestion.. I do not have enoughmoney coming in on my income and expediture so what will happen there? This is no wonder I am in such mess I never really looked at like this bfores as used to earn about £400-£500 a week and did not have to worry. My food bil is high though at £100 so will ahve to try and budget but it is so hard when u have a child with an eating disorder that eats everything in site to get there bloods high hence then do not do insulin hence loses weight through gainy keytones!

What will happen here I have just offered them a token paymant and told them this all I can afford. It looks like I am going to have cut back drastic as a few £100 pouns in the red each month. I hope my daughter improves but it is going to take tike. She was in hospital last week as been bleeding alot from the back and they have done some biopsies but it her own fault and she sid this while in hospital.

Thanks guys and advice again grateful and so sorry for asking so many questions.

[BABYHOLLIE]

actually included dla and it gives me just £27 left to pay crediters?

[BABYHOLLIE]

Thanks so much have goodnights sleep.

[BABYHOLLIE]

Hello there just me again. I would just like you to note that after I have donea monthly income and expenditure with reduced childcare as I have always had my son in after school care as would get 70% off working tax credits and never changed it. The only reason he was in after school club was that i did not have car big enough for him an dthe minded children. He has been there for 4 days for the past few years but if I reduced it to 2 days it would mean after I paid the ccj of £125 it would leave me £27 a month to pay my crediters and thats all. My children all ahve school dinners and they are £10 per week so that is a high cost and my eldest child has to travel to music college and it cost her £22 a week on the train.

I will get that form from the courts and fill in as if i could reduce this payment then i would have more money to pay the crediters.

Again thanks. I have two letters today but probaly have been crossed in the post one from littlewoods saying I have to pay £185 and one to next asking for £50 as the charge is late. Do I just ignore these and wait for the replies from my letters and the ccas?

Thanks in advance Nicola

[BABYHOLLIE]

What is PP1. I have gotb the form and filled it and returned to the court to get that amount reduced. I have also sent thos other letters and all crediters 31 token payment other than the other account with ccj which I have to pay £10 per month on as happy wit that to be honest and think that is afir amount. iT is the mothercare one that.

 

Again thanks for helping me and I will now diarise 12 days from sending letters. I will drop on here to let you know how things are going or if I get a reply from any of them. I had Little woods on the phone demanding money todaynand said I have put a leter in the post with my finacial statement. She was ok but tried to get me ring another number who would let me refinace and that way they would get paid off!

 

Thanks in advance I appreciate so so so much!!!!!!!!!!!!!

 

Oh also how can I go about getting charges back for these accounts>>> with my bank accounts still I still go through the route of reclaiming or see what happens when it goes to court in January.

 

Nic x

[BABYHOLLIE]

still had no reply and had carrs on the phone asking me for £75 tonight//I am not sure if my letters have all gone astray. When I try to tace on royal mail website it say untracebalbe. I will let you know asap.

[BABYHOLLIE]

Updat on what has been happening...Today I had another agency ring me and they also have not received the letters from me that I sent to be signed for so today are sending them all again! I have had moorcrofts ring and get a letter this morning and it states unless I pay £70 they will send a person round to discuss payment options etc..Any advice much appreciated.Nicola x