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    • tell her to simply ignore all the harassment and laugh at them.  
    • you dont need to hide times dates and £figures can you please type the POC out in full not your abridged version above. dx  
    • you mean you've done AOS? not filed a defence yet? dx  
    • Rather than dsunaks lies, lets look at the reaL Data and real black holes in the UKs budget - all created by the poop Tories   Public sector finances, UK: April 2024   Main points Borrowing – the difference between public sector spending and income – was (a black hole of) £20.5 billion in JUST April 2024, the fourth highest April borrowing since monthly records began in 1993. Borrowing in April 2024 was £1.5 billion more than in April 2023 and £1.2 billion more than the £19.3 billion forecast by the Office for Budget Responsibility (OBR). Public sector receipts grew by £1.6 billion compared with April 2023, however, this growth was outstripped by a £3.1 billion increase in spending over the same period. Since our March 2024 publication, we have increased our initial estimate of borrowing in the financial year ending March 2024 by £0.8 billion to £121.4 billion, now £7.3 billion more than the £114.1 billion forecast by the OBR. Public sector net debt excluding public sector banks (debt) at the end of April 2024 was provisionally estimated at 97.9% of gross domestic product (GDP); this was 2.5 percentage points more than at the end of April 2023, and remains at levels last seen in the early 1960s. Excluding the Bank of England, debt was 89.9% of GDP, 8.0 percentage points lower than the wider debt measure. Public sector net worth excluding public sector banks was in deficit by £703.4 billion at the end of April 2024, a £93.5 billion larger deficit than at the end of April 2023.     and the Tory legacy of financial mismanagement  to be passed on :   UK government debt 2023 | Statista WWW.STATISTA.COM Government debt in the United Kingdom reached over 2.25 trillion British pounds in 2022/23, compared with 1.83 trillion pounds in... - and graph does NOT show the increases as it should  
    • yep. if they send no paperwork by the time mediation comes to be able to make an informed decision upon mediation..you refuse it. keep reading up here dx  
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kays catalogue debt please help!


cpen
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hi i have been a kays customer for many years and have always paid by direct debit.I have quite a large debt with them.My husband has recently left and i am now alone with 3 young children and on benefits until i go back to work after my maternity leave(even then with tax credits things will be grim as he was main wage earner.).This will be the first month that i am unable to pay and i'm terrified .I have been reading some other threads and i know i have not signed a credit agreement.Any advice on what to do?I will struggle to pay even a small amount per month at the moment and wonder how to approach the matter to avoid charges and harrasment.Any help would be appreciated. thanks

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Hi,

 

First of all, don't ring them. You need to be putting everything in writing from now on and sending by recorded delivery even though it's going to cost you £1.14 per letter.

 

Have a look here:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Letter "c" is a good one to start you off with but if Kays start playing silly beggars with you then you can start getting shirty back by asking for a copy of your agreement.

 

Reading between the lines, I'm assuming you want to be responsible for your debt and not use the CCA to get out of paying.

 

If these companies treat you right, I'm sure you'd be more than willing to pay them a rate you can afford.

 

fox

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Hi cpen

 

Your right they wont have a credit agreement, if you send a CCa request they are lightly to send you a blank up to date agreement, and will admit they cant locate your agreement. But send one thats important.

 

You are almost certainly going to have negative reports put on your credit file at the CRA, that said if you can handle your file at the CRA being trashed you are in charge of the debt.

 

They will pass it round some pond life DCA's until they get tired of it, keep the letter they send you stating they cant find the agreement, then photo copy it and send any DCA that contacts you a copy.

 

Other people will advise you also

 

GG

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Hi GG

 

Fine by me. All different opinions are much better than a single one. I've been lucky to never have a catalogue account and after reading the horror stories on here, I'm glad. :D

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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