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    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
    • Hi.   I think you've made a good start by setting out in writing what you need to deal with. People should be along later to advise on how to deal with your creditors.   For the mental side of things, have you talked to your GP about getting some help with what's getting you down? Or support with the gambling issues?   HB
    • Hi people.   So I've managed to get myself into a sorry state financially. I'm insanely depressed which I guess is common for many. I don't think all of it comes down to the financial stuff but it is really crushing me now.   Facts: A lot of debt has been due to living on credit and gambling. I don't have a job. I know I should get one but I just totally despondant at the moment (due to many reasons). I don't expect any sympathy but I thought I would share this.   It's tempting to bury my head in the sand and wait for the inevitable calls from various collections departments but I want to be as proactive as possible. I think I've cancelled all direct debits so I don't get bouncing charges from the banks...   So onto the debts:   Loans livelend; £2400 was 4k 13% interest Bamboo £3000 (only just made the first payment this month) supid interest Likelyloans approx £3500 stupid interest  One payday loan for £200 I just got to cover some bills (knowing that I'd unlikely be able to pay it) - this is the only thing I haven't cancelled with the bank as they just take it from your card   Credit cards: Aqua approx. 3900 Capital one approx. 1200 Amazon approx £500 Paypal Credit Approx £1100 Overdrafts Santander £1500 Barclays £1k limit (I don't actually pay anything for this)   So all in all approximately £18,000     I also have a negative Paypal balance of £5000 but I don't believe this classes as a debt and I don't think they can do anything about this having read up on it quite a lot.   I guess my question is what is my best course of action. Should I look to do a DRO? Should I go bankrupt? (eurgh. Full disclosure I did this 15 years ago when I was 21. You think I would have learnt!) Should I write to each creditor and offer them £1 a month? Should I talk to one of the debt charities?   It is all my fault that I'm in this state but I also know that it's not the end of the world because they are all non priority debts. I probably am slightly behind on the council tax but not significantly.   I started claiming universal credit a couple of weeks ago and had my first appointment last week but managed to miss the next one due to not being able to sleep and then oversleeping and so I guess they've probably kicked me off that already and I might have to claim again.    So yeah. I take responsibility for what's happened but I don't see any way out. I've been very depressed lately due to this and other things. There is no one to "bail me out" and I probably don't need or want that anyway. Any advice appreciated          
    • Hi All,   I left the UAE 2 years ago. Have my bank clearance letter from HSBC.  I have been receiving emails from a company based in Hemel Hampstead IDRWW about money owed to the bank of RAK in the UAE which I’ve ignored as thought it was spam. I have now received a letter through the post saying the same thing (no idea how they have got my new address) that they are acting on behalf of RAK bank. I’ve never had an account with them but know how dodgy things are over there so would be nervous going back!.... Do I just ignore it or reply? It must be identity theft?  I am also nervous about travelling as I travel a lot & wouldn’t want to be arrested!!  I obviously have no intent on paying a debt that is not mine plus have no assets here anyway... Can they actually take me to court for something that isn’t mine??  Any info gratefully received.  Have spoken to citizens advice & they couldn’t help. Thankyou   
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Capricorn1601

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My awaited cca has now arrived, after two attempts to stall by egg, asking for my signature.

 

Could someone please take a look and give me some advice.

 

The agreement is 1999/2000 but is not 100% legible, I think this is from micro fiche so they may not hold the original document.

 

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There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Yes they sent pages of T&Cs, but these may be the current ones as they clearly werent from microfiche. Yes I had one of the agreements which was terminated last year. To date I am not in default and never have been. I have a DD in place.

 

 

What should I do next?


There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Yes they sent pages of T&Cs, but these may be the current ones as they clearly werent from microfiche. Yes I had one of the agreements which was terminated last year. To date I am not in default and never have been. I have a DD in place.

 

 

What should I do next?

 

your call now, you will have to decide if you can carry on paying it and live the quite life or if you are struggling to make ends meet like lots of others on here go for unenforceable agreement.

 

but have a good read around the forum its going to be a rough ride.

 

cds

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I bit the bullet and sent them out the letter which basically say, this is unenforceable as it doesnt have the prescribed terms, so write off my debt.

 

Just sit and wait now.


There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Hi

 

Just got an acknowledgement back:

 

sorry you've had reason to complain.... la, la, la.

 

Please can you assist us by loggint into your account via the website and checking the contact information we hold for you is up to date (so we can set our dogs on you!!!)

Give us 8 weeks to find an excuse as to why you should keep paying us and give us the full 8 weeks as this will mean you have to pay us twice more at least.


There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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I have this same letter 4 times now, don't be surprised if they answer half your letter with irrelevant nonsense-answer a question you didn't pose and then close your complaint lol.

 

Seriously though it isn't funny.

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I've had another one since...

 

blah blah we are still investigating


There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Well, at least we are keeping those employees who are "investigating" in a job.

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ok seem to remember back in the early days having to pay what I think was PPI. Looking back at my agreement I can see anything which would indicate I agreed to it. How do I find out if my memory serves me well and I can claim back teh PPI?


There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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