Abbey chasing me - Help

[Ms-Pacman]

Hi, Like many people my partner and I owe money to various debt collecting agencies after a terrible year of low income and not being able to keep up with repayments.

 

My debt with Abbey though is my main debt and most others are my partners from many years ago he was making agreed payments on.

 

I had a regular bank account with Abbey debit card with all my month direct debits where both mine and my partners wages got paid into. My partner's boss was not great at paying and half the time he said he had paid said wages in he hadn't which of course led to all our direct debits bouncing month after month. he paid some of the charges but not all of them and we never caught up with all demanding money.

 

Abbey offered me a loan for £2k as up till then I had been a good customer with barely any defaults or charges. The loan covered the overdraft and left a bit of money to try and catch up with some outstanding bills.

 

Each month stil though my partner was paid late and so it just all spiralled out of control. The loan payment went out each month as obviously abbey wanted their money. My partner was then made redundant as the company couldn't affod to pay him and luckily he found temp work until a proper job. he opened an account so that our wages went it and regular direct debits were paid to things like council tax, etc.

 

However my Abbey account is in tatters. Total charges I have received total approx 4k. The loan continues to go through each month even though the account has defaulted seriously overdrawn and Abbey won't accept anything less than 300 a month.

 

Total disposable income for the house hold after bills, food and diesel is approx £75. Thats it and thats only if we are really careful and no one suddenly demands a payment or something goes wrong like a burst car tyre. Both my partner and I work but we've got ourselves tied into all sorts of repayments we can't afford with various DCA's breathing down our necks. I am getting help from people on here after posting about those and I'm really grateful, but after reading on bank charges I'm wondering if I can get help on this as well as it would make a massive difference to clear it.

 

I can't get a bank account. I don't drive, I couldn't afford a passport if I wanted one so my wages go into my partners account, which to be honest isn't a problem but its embarressing asking for money when I know we don't have it. I doubt if Abbey would have me back either as well! I've worked all my life, never claimed a penny and this is the state I've got myself into and its really depressing.

[Lula]

Hi There and I am sorry to hear about your difficulties, you are right in having both sets of wages paid into another account, that way you take control again.

 

Do you have all your statements? if you do then you need to complete a spreadsheet that is downloadable here. If you dont have your statements then you will need to complete a SAR with a £10 cheque to get them. It is also available in the link that I have given you.

 

While you are waiting for the statements to arrive or once you have completed your spreadsheet you need to start letter writing. All the letters that you need can be found in the link above, as you already are a member you probably know a bit already. But, when you require some further help then just post back on this thread and there will be someone around to help you.