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poeticmum

Worried whitless and scared

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I am posting this because i really dont know what to do or who to talk to

and i am very worried

my debt is out of controll and i am not in finacial position to pay any of the people I owe money too back

I have 2 credit cards (stupid I Know ) but they are up to the limit

I owe 2 catalougs

provident lones dont even go there

shopa check

plus i have been paying back reliable collections 20 pounds a month since

2006

I live with my partner who is out of work due to long term sickness

I my self have become dissabled

all we have income wise is our income support and dissabilty allowence

appart from that we have the gas &electricty 2 bills wich total nearly 500 pounds

phone bill

I pay my water bill 20 every 2 weeks to a collector

I really really dont know what to do

i know i should go to CAB but i have become so ill with this that

i now suffer panic attaks when going out

can anyone help me via this thread

thankyou

poeticmum:cry:

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-oh you poor thing.

 

right firstly

pay only the important ones [rent/mortgage/utilities]

 

the rest can go swing for the minute. or make a token payment of £1PCM.

 

cards/catalogues/provident/shopa/reliable

 

please make us a list without out standing & whom is chasing/paying too.

 

dx

Edited by dx100uk

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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hi, welcome to cag.

 

no need for cab.you will get all the help you need here.

and always someone around to talk:)

 

just bump your thread up.see if some one else spots you.

going school run will check back later.

 

chin up,you have made a start.

 

SAM:pLOWELL DETESTER


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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omg thankyou i thought this was going to be one of those places with nobody answering

as i siad via my post i deperatly need help

i understand the offering of token payments but how do i stop the phone calls i cant afford a scolicitor

i was thinking of going to somthing like debt free direct ect ect

but i dont think we qualify because we are not over 30thousand in debt

if i were to put a figure on it i reckon 15thousand ish

and this is making me so sick

i cry practicly everyday just knowing some one is there is helpfull

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Trust me poeticmum, in a few weeks time you will wonder why you were so worried.

 

I know because I was in exactly the same state as you are now when I stumbled across Cag. I honestly think I would have had a nervous breakdown if it were not for this site - I now take it in my stride and am standing up to my creditors.

 

You will receive no end of help on this forum and your learning curve will rocket upwards over the next few weeks/months:)

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Here's one telephone harrassment letter which you could adapt to suit.

 

There is also a template letter section on the forums, which I'm sure will prove very useful:)

 

Dear Sir/Madam

 

 

I am writing in relation to telephone calls that I have received from your organisation, which I deem to be personally harassing. I have requested that these calls stop, but I am still receiving calls. I now require the telephone number listed above to be completely removed from your systems.

 

I am in the view that your continued calling puts you in breach of the Protection from Harassment Act 1997.

 

This is a private telephone line, operated on a contract with the intention of receiving and making personal phone calls, I have not authorised any other member of my family to receive calls from your organisation using this PRIVATE TELEPHONE LINE.

 

By using this telephone number without my permission you are interfering with my ability to use my own private property for the duration of any call.

 

It is my right to require that this telephone line, which is licensed solely to myself, is kept clear for my own personal calls.

 

It is consequently my view that you are committing the tort of interference with contract insofar as for the duration of each call you make to me without my permission, you are interfering with my contractual right to receive and make personal calls on my private telephone line.

 

Continued interference with my contractual rights in this manner will result in legal action.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to the Office of Communications, Trading Standards and the Office of Fair Trading, meaning that you will be liable for a substantial fine.

 

Be advised that all telephone calls from your company will be recorded.

 

 

Yours faithfully

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send telephone harassment letter that underdog has given you.

 

most here have or are in your position,and yes its the best move you could have made.

 

as said lets start working through.and your confidence will grow,and you will wonder why you have let this make you so ill.

 

as DX100 says.priority first.

 

SAM


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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I have 2 credit cards (stupid I Know ) but they are up to the limit

I owe 2 catalougs

provident lones dont even go there

shopa check

plus i have been paying back reliable collections 20 pounds a month

For all of the debts above you can send whoever you are paying a CCA request. If you have an overdraft it would need to be a SAR http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

First send them a CCA request to see if they are entitled to collect these debts & if they are enforcable. Any that fail to provide it within 12+2 days or the CCA is unenforcable you can legally withold any payment until they do. Send it recorded delivery enclosing a £1 postal order. When you get a reply start a new thread for each one, scan it & remove any identifying details and post it back here where we can have a look at it. We'll advise you from there;

 

Dear Sir/Madam

 

Re:- Account No: XXXXXXXX/Your Reference Number: XXXXXXX

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

You should also note that I will only discuss this matter in writing and should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you or any of your associates.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. (Optional addition)

 

I look forward to hearing from you.

 

Yours faithfully **Edit to suit**

Print name do not sign


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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Hi and Welcome Poeticmum.

 

Believe me, most of the cheery folk on CAG will have been in your situation or similar and are now in confident command of things. You'll look back on the day you found CAG and be happy you did so despite the circumstances.

 

You'll get things sorted but in the mean time de-stress yourself with the knowledge that CAG will help and you have absolutely nothing to be fearful of:)

Edited by kurvaface

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