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

[nowayjose]

Im sorry everyone but Im on a downer, dont know how much more I can take..

 

DCA letters arriving daily, phone ringing all the time with messages left on my answer machine (I never answer the phone unless I recognise the number)

 

Almost 2 months behind on my mortgage (Kensington)

 

Husband not in work due to sickness (Told today not entitled to anymore Employment Support Allowance)

 

I only work as a relief, no set hours. Looking for more work but nothing around.

 

Attachment of earning for council tax on my wages.

 

Car repossessed in Jan.

 

Had to borrow money from sister in law to buy a cheap run around, but can rarely afford to put petrol in to go to work

 

On token meters Gas and Electricity. No gas at the moment so sitting here typing with freezing cold hands.

 

Very little food in the house.

 

Afraid to do the washing cos it uses too much electricity.

 

Sick of worrying from one week to the next.

 

Contract phone/sky disconnected.

 

Dreading family birthdays etc.

 

Feel like Im in a black tunnel with no way out, sick of my hubby saying we will be alright when I know we are on the verge of losing our home, and will NEVER be free of debt, I feel so ashamed.

 

NWJ

Edited March 25, 2009 by nowayjose
Remembered more things

[nowayjose]

Thanks for the reply, tbh my head is in the shed, I have started CCA ing most of my debtors but Im so confused Ive lost track, they are a list as long as your arm, and they have been passed to so many people I dont know whos who. I would have to get all the paper work out but off the top of my head there is First Credit, Cabot, Wisemans, Aktiv Kapital, Scotcall,Fredrickson International, Wescot (but has just been passed back to abbey cos account in dispute) Face to face, sc gray (bt), wescot(sky), bryan carter(boxclever), ruthbridge theres prob some more piddly little ones, without the recent car repo, the abbey claim has been stayed so no luck there.

Even listing them down like this is making me feel sick.

At the mo I am not paying anything off these debts and I am not in a position to start either, so really dont know what to do... I cant help but feel ashamed, though

[nowayjose]

Thanks everyone for replying, my biggest problem is getting my other half to accept that we have a problem, he always tries to look on the bright side and it drives me mad, and when it all gets too much for me and I get upset, he flies off the handle and thats when the conversation stops, without sounding soft we love each other very much, we ve been married for almost 22 years with 2 grown up children and 2 younger, but I really feel like this is putting a strain on our relationship. I know he feels useless that he is unable to keep a job down due to his ill health (he has Crohns and he has lost several jobs due to this) and this is why we are in this situation. I know I have been advised to phone the National Debt line but that would be difficult because he doesnt know I have asked for help on this forum and he thinks along the lines of they cant have what we havent got. Well thats fine but when your without heating and wondering if you have enough food and electricity/petrol till my next payday sometimes gets too much.

Thanks for your advice Steven as regards to priorotising my debts, at the moment I dont think I have enough money for the priority debts without clearing arrears and having enough for food, clothing etc so I really dont know. I am afraid I will lose my home, I have lived here all my life, it was left to me by my mother who I cared for before she died, unfortunately it needed a lot of building work and I have used up the equity in it to pay for remortgages to cover this and consolidating loans , I would have great shame in explaining to my brother and sisters if the house was repossessed.

Sorry to rant on everyone, but this is how I feel at the mo.

[nowayjose]

Thanks Martin and Babybear, Ill try to get some info together tomorrow and try to make sense of which debt belongs to which DCA, its going to take a lot of sorting tho, I have already started a few threads already with first credit and cabot. I thought a good idea would be to deal with each company when they send new demand so I knew where I was, a couple of companies I havent heard from for a few weeks, dont know if thats a good thing or a bad thing.

I know I ll always get great advice on here and I know there are others in a worse situation than me, I just feel totally drained today, perhaps I ll feel a bit stronger tomorrow.

 

Thanks for your support

NWJx

[nowayjose]

Hi Hopeful, no my Abbey account is now closed, and I am being chased by DCA for the balance outstanding, I opened a Step account with NatWest last year and they have since offered me a Current Account with a cheque book, so my wages go in there and since opening I havent incurred any charges so I suppose thats a good thing.

Thanks for your support,

 

NWJx

[nowayjose]

Yes Lex I know your right, but my hubby likes to sort out a prob when the s**t hits the fan, and then its usually me that sorts it, Ive got a file and some polypockets so Ill try and organise them tomorrow, thanks Lex

I will let you know how I get on.

[nowayjose]

Martin, Ak are still on my case, cant remember how far Ive got, Im confusing myself I will look in the morning now, I always thought it was a bad idea to get a copy of your credit file, I thought it alerted the DCA, am I wrong?

[nowayjose]

The hardship case seemed so difficult because I am feeling worn out with it all, I know its common sense to follow it through, I need to be spurred on, I will be asking for a lot of help over the next few days, if thats ok.

[nowayjose]

Thanks Cymru, welsh and proud, your post managed to put a smile on my face, thank you, yes most of the time Im a secret CAGGer, if he comes and has a look I usually shrink the page and look at the jobcentre website:rolleyes:

Thanks again

NWJx

[nowayjose]

TYVM lex X

[nowayjose]

Thanks everyone for your support, its definately cheered me up knowing so many people are there for me when I need it, which I prob will over the next few weeks, Ive looked back over a few of my threads and realised that Im all fired up at the beginning but fail to follow things through. Not this time though, I just need to get organised. Ive got a day off today so its a good excuse to empty my drawers (of my cupboards:rolleyes:) and sort through the paperwork, its not going to be good reading and I will try to put them in order, I might have to start a few more threads. I couldnt really guess how much debt I am in at the moment but I will soon find out today, no more hiding....

Yes Cymru blowing a gale out there today, bloody soaked walking my son to school, (no petrol in the car:() Neva mind...

 

Best wishes

NWJx

[nowayjose]

Wow davey thanks for all that, I didnt think to make a record on my computer, not quite sure I know how to, not very good at saving to folders etc, wordpad is about my limit Im afraid, just learnt to copy and paste lol...will def list them somehow though, thanks for your time;)

[nowayjose]

Well done Hilary there must be no better feeling than to be debt free, I ve just spent the afternoon sorting through paperwork, Im 40 now and I dont think I will EVER be free from debt.

As you can see, Ive been around for quite a time, but half heartedly dealing with things, nows the time to take control me thinks. I know I couldnt be in a better place than here, thanks for the encouragement.

Much appreciated.

XX

[nowayjose]

Well here goes, its a lot worse than I thought, I feel so ashamed of the debt we are in and cant see a way out, I have listed below the debts and an outline of where I am on each one.

 

Abbey - £3127 last contact 28/1/09 passed from Debt Managers to Equidebt to Credit Security to Nelson Guest to Wescot now back with abbey after I sent all these DCAs 'account in dispute' letters.

 

Citifinancial -£8685 last contact 6/3/09 passed from 1st credit (who issued 2 SD s) to Connaught to Judge and Priestley, last letter offering me f&f settlement offer,

 

A T I - £3716 for a car reposs possibly 10 years ago, but payments were paid to DLC since then so not Statute Barred. passed from Aplins to Ruthbridge to DLC to ATI last contact 15/9/08 after sent 'account in dispute letter' no reply.

 

Cabot - £336 Providian CC last contact 6/3/08 CCA request , p/o returned, no reply

 

Cabot - £605 Providian CC last contact 17/10/08 CCA request , application form and t&c sent back. No CCA received.

 

Call Serve - £643 B&Q warehouse passed from Credit security to Peter Knipe to Credit Security to Aktiv Kapital to Call Serve last contact 13/1/09

 

Provident - £965 & £720 passed to Wisemans with a doorstep call from manager, give tresspass letter and told him to leave.last contact 27/2/09

 

Boxclever - £ 146 for a fridge freezer I hired I dont know how many years ago, asked for a cca, no reply last contact 16/07/07 passed from Bryan Carter to SRJ debt recoveries.

 

AOL - £500 debt in wrong name MR with my first name, last contact Advantis Credit 9/3/09

 

now the piddly ones

 

EBAY - £8.00 last contact 2/1/09 by Intrum Justitia - this account was cleared last year.

 

B T - £3.08 moorcroft last contact 4/3/08

B T - £18.01 S C Gray last contact 23/10/08

B T - £317 moorcroft last contact 4/3/09 - spelt name wrong

 

Sky - £104 wescot passed to credit security last contact 1/8/08 - wrong name again

 

Swinton Insurance - £125 Car insurance DD bounced and asked for full amount - last contact Face to Face 12/1/09 - wrong surname again

 

T Mobile - £170 cancelled mobile contract - midas legal services last contact 24/1/09

 

And finally the most recent which hasnt gone to collection yet, Finance U Ltd (car reposs) £6820

 

So there you have it, I make it around 27k in debt, what an idiot we have been. I told you it was bad.

[nowayjose]

Thanks both, yes I think some will have added charges to them, especially like you say Provident, Abbey is in dispute, claiming bank charges back eventually, bot Cabot accounts because no CCA to date, Call serve, not sure, Ill have to check, dont know why first credit didnt act on their SDs, thought they would.

I have a mortgage with Kensington, Ill dig out the paperwork because I have a question about that as well, sorry.

[nowayjose]

My latest mortgage statement says Current balance - £84444.06 with 22 years 8 months to run. It is a Interest only mortgage and the house value is around £95000. I had a fixed rate for 3 years up in 8 months time, my current payment is £505 per month which I am struggling to pay, almost 2 months behind,the rate is set at 7.49% I have no idea what this amount will go up to at the end of the fixed rate, does anyone have any idea.

[nowayjose]

At the moment everything is up in the air as far as income is concerned. I only work as a relief, no set hours, my income can vary from a take home pay of anything from £750- £1200 per month depending on available hours, I have child benefit for 2 children and tax credits of just over £300. My husband has a private pension of £140 per month and at the moment he has been told that he is no longer eligible for Employment Support Allowance anymore (read my other thread) so he doesnt receive anymore money, it will be difficult to find out what we are entitled to:confused:

[nowayjose]

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

[nowayjose]

Just a quick note to say thank you to everyone for all your advice and support, sorry I havent had time to reply but did a split shift in work today, so no time to do any thing really, Im workin in the morning so hopefully will have more time to look through threads tomorrow, thank you all for your time, much appreciated .

NWJ xx

[nowayjose]

Hi, everyone, thanks for finding out that info BB on the tax credits, I will phone on Monday now with as much detail I can give them and see if we re entitled to anymore money, I have an appeal as regards my husbands illness and will let you know how I get on there. I ve received a letter this morning regarding the car repossession on our car which was repossessed in Jan, I think it would be better if I start separate thread, which I will do now, if anyone can help I would be grateful. Well it was pay day yesterday and it was alot worse than I thought, I didnt receive my petrol expenses of around £100 as they said I submitted it too late, I will have to wait for next month now:evil: I am really having to consider changing my job (which I love) to a job with full time hours, my take home pay this month barely covers my mortgage, so I really dont know what to do either that or I will have to take on a second job.....once again thanks for your support and kindness. x

Edited March 28, 2009 by nowayjose
forgot a bit...

[nowayjose]

Hiya Cymru, up late again I see, Im ok, no nasty letters this morning, for a change, in fact I had a letter from my employer, (local authority), it seems that I might be eligible for an increase in my hourly pay, my grade and pay scale is due to be restructured in line with the equal pay to male employees within the council, about bloody time too. So it should be good news.

I spent most of yesterday trying to scan documents onto my other thread on Car Repossession, that took me all night, I will phone T Credits shortly and see how I get on with them. Thanks for keeping in touch, best wishes.

NWJxx

[nowayjose]

Hiya Lex,

TBH I havent phoned them, I told my OH that I was going to phone them and he said what if we get less than we re having now, he has no trust in Tax Credits, so I dont know what to do....

As far as back pay goes the council has already settled their equal pay claim and I received that last year, it sorted christmas out with no extra borrowing, so I dont think we will get any more, in the middle of the hardship spreadsheet though...

 

NWJxx

[nowayjose]

Hi Cymru, Im Ok at the moment, Im eager to see if Corner Park get back to me with all the right information, I cant wait... it really feels like Im fighting back... No I havent got any outings planned, Im working as many hours as I can at the moment, begging my duty desk for more hours while my hubbys not receiving any money....its my weekend off but Im on a retainer this weekend, they pay you for being on call so I have to sit by the phone basically... I am looking forward to the weekend though because my son who is in the Navy will be home for Easter and my other son who has just started his training in the Army will be home for the weekend, I havent seen him for 8 weeks so I can t wait, it ll be a great weekend I hope... I think your remembering either Porthcawl or Barry Island, unfortunately they are both very run down, especially Barry, the fairground isnt what it used to be, theyve still got the same Log flume from when I was little and Im 40, about time they spent some money on it now.. How about you, have you got any plans... its a lovely day today, but not sure what the weathers like for Easter though???

Take care

 

NWJxx

[nowayjose]

Yes, I used to love Porthcawl when I was younger, (used to call it 'hiya butt bay' because you would always see soo many people you knew lol) and we used to stay in Happy Valley in a tent... or if we were really posh we had a caravan in Trecco... I used to think it was soo far away, its only around 20 miles!! I prefer the Gower now though, not much there but beautiful beaches, all you need on a nice day.... BTW if your interested there is still a paddle steamer from Penarth to Weston, called the Waverley went on it a couple of years ago.. hope you have a good time on your trip, and the weathers good for you;)

NWJxxx

[nowayjose]

Thanks PF, the only one with PPI I think is Citifinancial, we wouldnt be covered though because my husband is off with an existing illness, but the insurance was very expensive and we were desperate at the time and would have signed anything... the salesman was very pushy... I hope you are recovering after you heart attack, you should take it easy now and dont let your problems get you stressed out, take it as a warning... Im a fine one to talk, my blood pressure is sky high, even with medication, (family history, my dad died in his late 50s through a brain haemmorage)and I have recently been diagnosed with type 2 diabetes... Im sure the DCAs are adding to my health problems and likewise with yours,

 

Just look after yourself

Best wishes

NWJxxxx