CAB says we are on our own

[mrfdes]

Hello,

 

In the past, Citizen's Advice Bureau (CAB), worked out a repayment plan for our debts, they got in touch with the creditors and made them an offer (£ 1/month).

However, there were 3 creditors where the offer was not accepted as, they claimed, 'the debt had not gone to collection yet'. Now it seems the debts have gone to collection as we get letters from debt collectors, urging us to pay back and threatening to take us to court if we don't.

So, we got back to CAB, sent them copies of those letters and asked them to re-open our case.

 

This morning, we got a phone call from CAB, they tell us they cannot re-open our case as the 3 last creditors have not accepted the offer of £ 1/month (which CAB never let us know, all they said was they could not make them an offer until it had gone to collection). The only thing they suggest now is to let things run their course, and go to court, and offer them £ 1/month in court. So, basically, they are saying, "you are on your own, sort your own mess out". All they can do, they say, is send us a new financial statement. Another thing, how do they expect us to go to court, it is miles away (where they plan to have a court case), there is hardly any connection by public transport from where we live, and we are on JSA. So, how can we go there and defend our case. CAB were also friendly enough to inform us that, after the court case, "we will have CCJs against us" (Thanks for the information, very helpful and encouraging). I don't know where to go next or what to do, my wife is already on anti depressants because of all this trouble, is there anyone who knows a final alternative on how we can at least defend our case?

 

Thanks in advance.

[mnrbig]

You can do what the CAB does yourself. Look here http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

[JonCris]

Ok if your creditors refuse to cooperate lets go on the offensive. Without posting personal details and in order that we can help you will have give us details of your debts such as who they are with, what type bank overdraft, loan, credit card, mortgage etc. have they gone to DCA's (Debt Collection Agencies) yet.

 

When you incurred them, which are secured & unsecured etc when did you last make a payment & so on. When you do that we can commence helping you to fight back

[PGH7447]

You need to list what the 3 debts are for so people can advise accordingley.

 

Snap

Edited June 3, 2008 by PGH7447
updated

[mrfdes]

You can do what the CAB does yourself. Look here http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

Thanks for your replies so far, I will go into more detail later on today.

However, when clicking the above link, I get a 404 error.

Thanks.

[JonCris]

Try this

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/

 

Once opened it's the 3rd template down

[mnrbig]

Beat me to it!! Fat finger syndrome.