It just gets worse-Debt problems are causing great stress.

[babybear39]

You took the most important step today, posting here and asking for help...

 

Things may seem daunting now but each account needs looking at individually not all together as this is overwhelming.

 

To move forward and tackle this you need to organise yourself and make a list of creditors noting progress of each one. To be able to do that all you need is a piece of paper and a few cheap files.

 

Once you know where everything stands you can come here and ask as many questions as you like, we'll always be here to support you.

 

Kindest wishes...BB

[babybear39]

NWJ you've done the biggest and hardest thing by sorting through everything. Print off your list above so you have a hard copy to tick each one off as you deal with them. Leave some space so you can write what stage you're at with each one Do you think the credit cards and loans will have charges on? If so, SAR the original creditors to determine how much they are (the accounts may be made up mostly of charges, you never know). The provident accounts will have heavy charges as the interest rate is very high.

 

Which accounts are in dispute, and is this due to CCA requests not being furnished?

 

Do you own your house and is there equity in it?

 

And you're not an idiot, things like this happen to all sorts of people for various reasons *hugs*

[babybear39]

Your first priority is your mortgage. You really need to keep in contact with them at all times to let them know your situation. All other accounts come after that...

[babybear39]

Have you checked you're getting all the benefits you're entitled to?

[babybear39]

Are you claiming working family tax credits?

[babybear39]

No only when hubby was working. Tax Credits seem to have a problem when you are relief, got to have regular hours.

 

Give the tax credits helpline a call and ask them about this as I'm sure you can submit wage slips and have it calculated on a pro rata basis

[babybear39]

Just called the tax credit helpline and all you need to do is give them an AVERAGE figure of hours worked...So get a few months and average it out. You can do it over the phone if you wish

[babybear39]

Good luck with the job hunting NWJ

[babybear39]

Thanks both, Im really hoping I will get lucky with a Scheme Managers job at a sheltered housing complex in my local area.. would be a big pay increase for me, Ive had a lot of experience working with the elderley but I think I might be aiming a bit high, but hey.. you never know unless you try??

NWJxx

 

A good attitude is half the battle, go for it

[babybear39]

Big *hugs* from me

[babybear39]

Have you checked if you're entitled to any council tax benefit 'cos of your low income? Sorry, I don't know much about CTB.

[babybear39]

How much are they taking?

[babybear39]

It depends on how much I earn, my income varies greatly, this month they only took 30.00 plus 1.00 admin fee and about the same the month before, but they have taken around 125.00 3 months ago..

 

That's disgusting

 

Are they extracting the urine or what

[babybear39]

Nos da NWJ to you and your family

[babybear39]

Yummm...Welsh cakes. I threw my bakestone out a few years ago, wish I hadn't now

[babybear39]

Have a look through my 1st crud thread too NWJ.

[babybear39]

Thanks ladies for being so nice It is hard but I get by. I get a lot of good feeling from helping on here and seeing people beating the DCAs,OCs and solicitors

 

Have a great weekend

[babybear39]

nowayjose my heart goes out to you hun.im in the same boat hun.made dinner for the kids last night an they asked why i wasnt havin any.just said i wasnt hungry but wasnt enough for me.you think that dosent happen in this day and age but it does.i sit awake at all hours of the night tryin to figure a way out of this mess but the phone calls keep coming and the letters keep piling up.your not on your own hun.xxx

 

*hugs* to you ...

[babybear39]

It's called cawl and is indeed yummy

[babybear39]

I have an old family recipe for it if you'd like?

[babybear39]

hi i got a letter today and need advise.the letter is from buchananclark+wells they say they are trying to collect a debt from scotcall? formerly owed to littlewoods.Dear miss..... we have been instructed to recover an overdue debt in the sum od £428.36 on there behalf. bla bla bla.....i phoned to ask as i dont recall this debt an the snotty lady asked why i dont recall the debt.told her i dont remember havin a catalogue.she said its quite a few years old.said my signatures there.i asked how old the debt was and she says if i cant remember havin a catalogue then the date is irrelevent.seems a bit slippy to me.said she was sendin a cag.i said i would request one in writing she said you do that.im sure this debt is very old but why wouldnt she tell me how old?i refused to pay whats my next move ive never requested a cag before?

 

She was being vaque 'cos it's either SBd or almost Or it's a phishing trip

[babybear39]

sbd? can anyone help me with a cag request and let me know the rules

 

Do you mean CCA request?

[babybear39]

You need letter 7 from here:

 

The Consumer Forums - Debt collectors

 

Amend to suit, send recorded using a £1 PO for the fee, keep a record of the PO to check it's been cashed, PRINT do not sign your name. Keep everything together in date order in a file or envelope

 

Good luck and best wishes...