New, fedup and need lots of advice!

[fiery_leo1984]

Hi Everyone, im new!

 

Well ive been on a dmp for the last 2 years, reducing my debts from £18,500 to £11,500. Ive been working two jobs for as long as i can remeber to try and clear my debts. However 2 months ago I came into £5,500 through some inheritance money and I though great wow can get my life on track, do some full and final settlement letters and get debt free...Wrong :?

 

I have debts with, Lloyds Tsb (card and loan), Egg (card and loan), hitchai capital and also a small one with a dca. I wrote letters to everyone and only hitchai replied saying they had accpeted my offer (50%). So i contacted egg and lloyds tonight and have been turned down with a BIG NO, 100% or nothing. My debts arent a big enough worry for them to right off . So I feel angry, im not paying interest and have another 4 years on my dmp.

 

What should i do, write again? Use my money to clear a few things or put in savings?

 

Emx

[huggys boss]

Have you sent CCA requests to your creditors?

 

You can not CCA a loan as far as I know, But regarding your credit cards, I would CCA them and then if they can not provide a copy of your agreement, you are in a much better position to negotiate a full and final settlement with them.

 

To CCA them you need letter N in here. http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Send a £1 postal order with your request and send it either recorded or special delivery and keep your receipts as proof of posting.

[fiery_leo1984]

Thanks for that, I will look into the CCA's then on that link.

 

I will keep you posted how I get on.

 

Thanks Em:)

[42man]

Also make sure you don't hand sign the letters, just print your name as it has been alleged that some debt collection agencies will lift your signature !!!

[Mr Worried]

Hi I am new here and I was on this forum for 5 hrs yesterday reading all of the problems, and I am amazed at the help that is on offer here, I was impressed in the way that (bobneedhelp) was nurtured through his dilema very well done to you all for helping him.

 

So here we go well some of it any way, I wont bleat on about how it happened as you dont need to know that, however I believe that I have a fair few problems, and yes I have had Jacobs, bailiffs, henchmen, rossendales, etc all at my door, not to mention the dca's (to which I either paid in full or agreed a payment plan, but wish I had'nt after finding this forum) my pressing problems and questions are as follows..

 

Firstly do I need a debt company to help me, I have used one before and became mate's with the owner and I think he just fobbed my creditors off, and that is how i got two charges on the house as I believe he did'nt act accordingly, dont know if he had licence to act on my or others behalf.

 

I have listned to talk sport (jon gaunt) and he recomends Debt wizard Mike Thomas, I called them and then a company called Bright oak called me and said they work with debt wizard, but the original person I spoke to (Jason) has now left the company and his collegue Kelly jago has not returned my calls or mails??

 

I am £1100.00 behind in a secured loan (future Mortages) and although they have been polite with there calls , they are expecting full payment of the arrears this Thursday, obviously I cant meet their demand..Any Advice?

 

I have been sent paperwork from Poole c/c for an unpaid buisiness loan/overdraft Value £4729.55 total cost etc £5636.04, Lloyds TSB , I was paying them £70.00 pm but did not make payments for several months because I could'nt afford to,how do I respond to this etc etc.

 

I have two charges on my property one by the sherriffs officer, and one from a trade supplier, can I get these looked at and do anything about them?

 

I missed a court day last week for council tax from 2 yr ago and just reading the letter is was with the intention to enforce, what will happen now and what should I do in this instance?

 

Lloyds TSB visa they sent me a default notice, then proceeded to take the money from my acc also with LIoyds , then put me into an unplanned over draft which is encuring daily charges What do I do,

 

I have various credit cards etc (so has my partner which she used to help me) which we cant afford to pay, is there anything that we can do to have them 'looked at'.

 

Ther are other matters going on in my life and I will post this when I have sorted a few things out.

 

My observations within the forums are as follows..

1.Why use the CCA method would'nt creditors see this as obstruction and delay tactics?

 

2..If you dont sign a letter is that legal correspondence?

 

3..Who do I get the postal orders made out to. re CCA or can they be left blank, and is everything done by recorded delivery?

 

4..When is it best to use CCR and S.A.R - (Subject Access Request) I cant get my head around this?

 

5..Over the last few years I have amassed copius amounts of charges from bank and CC companies can I get these back and how do I request this?

 

6..Monument visa called me and did not do security checks and proceeded to divulge info to me not knowing if i 'was me' when I challenged their decission to tell 'a stranger' my affairs they started to backtrack then take me through security I declined and they hung up ..what can I do?

 

7..What is classed as an unenforceable debt?

 

8..I have a trade supplier chasing me for 6k from about 4 yr ago they had a few £50.00 payments which was agreed, now they want to know what my plans are to pay the debt?

 

9..Am i allowed to record calls which I recieve, as some companies say they will not continue the conversation if I record..is this not agravating the situation?

 

10..My partner recieves calls and pressure at work from her CC companies 're helping me' some of them she has a payment plan, can we request a CCA or will this 'rock the boat?

 

Over all I am in a mess and my relationship is suffering and my partner is on medication for depression and I feel guilty as this is all my doing, but I want to remain possitive and move forward in finding a solution that works and where I wont be let down, and the info I am given is in my best interest , that I believe will come from this site.

 

Please help me, I may not sound distressed but believe me I am hidding my suffering from my family and it is killing me to do so, being self employed is not helping as there is hardly any work about and I am struggling to pay my monthlies not to mention the debt.

 

In a nutshell what the hell do I do and how do I do it?

 

THANK YOU IN ADVANCE.

[enamae]

Hi I am new here and I was on this forum for 5 hrs yesterday reading all of the problems, and I am amazed at the help that is on offer here, I was impressed in the way that (bobneedhelp) was nurtured through his dilema very well done to you all for helping him.

 

So here we go well some of it any way, I wont bleat on about how it happened as you dont need to know that, however I believe that I have a fair few problems, and yes I have had Jacobs, bailiffs, henchmen, rossendales, etc all at my door, not to mention the dca's (to which I either paid in full or agreed a payment plan, but wish I had'nt after finding this forum) my pressing problems and questions are as follows..

 

Firstly do I need a debt company to help me, I have used one before and became mate's with the owner and I think he just fobbed my creditors off, and that is how i got two charges on the house as I believe he did'nt act accordingly, dont know if he had licence to act on my or others behalf.

 

I have listned to talk sport (jon gaunt) and he recomends Debt wizard Mike Thomas, I called them and then a company called Bright oak called me and said they work with debt wizard, but the original person I spoke to (Jason) has now left the company and his collegue Kelly jago has not returned my calls or mails??

 

I am £1100.00 behind in a secured loan (future Mortages) and although they have been polite with there calls , they are expecting full payment of the arrears this Thursday, obviously I cant meet their demand..Any Advice?

 

I have been sent paperwork from Poole c/c for an unpaid buisiness loan/overdraft Value £4729.55 total cost etc £5636.04, Lloyds TSB , I was paying them £70.00 pm but did not make payments for several months because I could'nt afford to,how do I respond to this etc etc.

 

I have two charges on my property one by the sherriffs officer, and one from a trade supplier, can I get these looked at and do anything about them?

 

I missed a court day last week for council tax from 2 yr ago and just reading the letter is was with the intention to enforce, what will happen now and what should I do in this instance?

 

Lloyds TSB visa they sent me a default notice, then proceeded to take the money from my acc also with LIoyds , then put me into an unplanned over draft which is encuring daily charges What do I do,

 

I have various credit cards etc (so has my partner which she used to help me) which we cant afford to pay, is there anything that we can do to have them 'looked at'.

 

Ther are other matters going on in my life and I will post this when I have sorted a few things out.

 

My observations within the forums are as follows..

1.Why use the CCA method would'nt creditors see this as obstruction and delay tactics?

 

2..If you dont sign a letter is that legal correspondence?

 

3..Who do I get the postal orders made out to. re CCA or can they be left blank, and is everything done by recorded delivery?

 

4..When is it best to use CCR and S.A.R - (Subject Access Request) I cant get my head around this?

 

5..Over the last few years I have amassed copius amounts of charges from bank and CC companies can I get these back and how do I request this?

 

6..Monument visa called me and did not do security checks and proceeded to divulge info to me not knowing if i 'was me' when I challenged their decission to tell 'a stranger' my affairs they started to backtrack then take me through security I declined and they hung up ..what can I do?

 

7..What is classed as an unenforceable debt?

 

8..I have a trade supplier chasing me for 6k from about 4 yr ago they had a few £50.00 payments which was agreed, now they want to know what my plans are to pay the debt?

 

9..Am i allowed to record calls which I recieve, as some companies say they will not continue the conversation if I record..is this not agravating the situation?

 

10..My partner recieves calls and pressure at work from her CC companies 're helping me' some of them she has a payment plan, can we request a CCA or will this 'rock the boat?

 

Over all I am in a mess and my relationship is suffering and my partner is on medication for depression and I feel guilty as this is all my doing, but I want to remain possitive and move forward in finding a solution that works and where I wont be let down, and the info I am given is in my best interest , that I believe will come from this site.

 

Please help me, I may not sound distressed but believe me I am hidding my suffering from my family and it is killing me to do so, being self employed is not helping as there is hardly any work about and I am struggling to pay my monthlies not to mention the debt.

 

In a nutshell what the hell do I do and how do I do it?

 

THANK YOU IN ADVANCE.

 

Post copied and pasted onto posters thread;

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/167895-newbie-sinking.html#post1809414

[silverfox1961]

You can not CCA a loan as far as I know,

 

Not out to tread on toes but are you confusing loans with overdrafts? a loan is a credit agreement and you can CCA them( shoot me if I'm wrong:D)

 

fox

[fiery_leo1984]

Thanks for moving mr worrieds thread, he might get more response that way! Well im going to send off cca's tomorrow. Im also looking into reclaiming some bank charges, just fed up with how the banks treat you, ignore letters, pass you around to different departments. I know its my debt at the end of the day but they dont make it easy for you

 

Emx

[42man]

Good luck Emx and keep us posted...

[fiery_leo1984]

Ok so im sending off my letter today to ask for a cca. I dont know how far to push it with my creditors though, I didnt know whether to look at bank charges and also the PPI insurance to? Should I do one thing at a time or hit them with everything? I just dont want to put my DMP in trouble

 

Thanks Em