Ill anyway & Debt is making it worse.

[sillygirl1]

What we did here to stop calls coming (mostly for a previous tenant) was to have a phone which doesn't ring, but we can make outgoing calls on. If anyone needs to contact me or my flatmate they have our mobile numbers. You can also get your phone provider to change your phone number due to harrassing calls, the first change is usually free of charge.

 

I know how you feel, the DCAs are like a dog with a bone, I have one in particular at the moment who have broken loads of rules but seem to get away with it - complaint letters going recorded delivery tomorrow yet again.

 

If necessary you can get the CAB involved, they will write to people and tell them to stop - although this only works for a limited time (usually three months) but it does give you a breathing space.

 

Posting on here should help too - quite a few of us have been through the extreme stress stage and can help out.

 

With sleeping there isn't a great deal you can do - the NHS supply Zopiclone which whilst making you sleep doesn't kick in the dream cycle which helps relieve stress. You need something like a milky drink with a bayleaf boiled in it, take the bayleaf out. It might taste a bit 'bitter' but you can add sugar and a yeast tablet and that will help you sleep. A high dose of Vitamin D also helps.

[sillygirl1]

The other thing is, My fridge, freezer, TV, Hifi computer & parts of my laptop, are only borrowed, if they got a CCJ they could take them

They cannot take what isn't yours - you need to list what is borrowed and who owns it and keep it handy.

, & then I'd have a fair few angry family members wanting their stuff back, or me to pay them for it, as they are only on loan, even my cooker & washing machine is technically my mum's as she bought them for me on her catalogue & is still paying for them.

Anything on Hire Purchase CANNOT be seized by a bailiff

Everything else I have is all second hand. If they got a CCJ what can they take? Nothing is worth very much except the things that are borrowed, as everything I have is very old & second or third hand, including the bed. The only new things are the cats toys & litter tray. (They can't surely take those can they?)

They can't take animals, they will bluster that they can but they have to notify the RSPCA FIRST and then there will be trouble for them back at HQ.

 

Make an appointment for the local CAB and they should be able to help.

 

If a case has gone to the litigation department it is only the next desk (or next room along) until you get court papers DO NOT PAY A PENNY to them. Once you get court papers come back and we can help more.

 

Please please stop worrying so much about them, that is exactly what they want you to do - your no 1 priority is your own health and welfare - in your current state you are vulnerable and need outside organisations such as the CAB to help.