Ill anyway & Debt is making it worse.

[Undercover-Elsa]

Hi Skimbles Queen,

A warm welcome to CAG, although hopefully you're away having some much needed sleep after your post in the small hours!

We've all been there haven't we girls?

As my friends above say, nothing's insurmountable and now you're here on CAG you'll get loads of REAL help and support. No judgements, no flak just help every step along the way.

You've got enough on your plate to deal with considering all your health problems. On it's own diabetes can cause mood swings in line with the fluctuation in blood sugar, so with everything else I do understand how low it can make you feel. Please don't worry about telling us anything, there's always someoneone around to offer advice or just a friendly chat or shoulder to cry on. You're not on your own honey.

 

 

 

Getting to the debt. As Sunflower says, let us know the basic details:

• Who it's supposed to be with, for what eg Credit Card/Loan/Mobile Phone bill etc
  
• What Debt Company is chasing it
  
• What they are saying in their letters
  

Then, we'll get you some letters together to get you started on taking control and sending them packing.

 

 

 

Golden Rules from now on:

• NEVER EVER speak to them on the phone. As you'll have read on here they will lie, cheat and bully on the phone, saying things they REALLY CAN'T DO and which they wouldn't dare put in writing.If you answer by accident, either just hang up or say I HAVE TAKEN LEGAL ADVICE. IT'S NOT MY DEBT AND I'LL ONLY DISCUSS THIS IN WRITING and put the phone down. Or blow a whistle down the phone!
  
• Consider seeing if your phone company does a Choose to refuse option. I know Talk Talk and BT do..costs about £3.50 a month but it's well worth it to get them out of your hair. You can then ban up to 10 numbers. Eg phone rings.if you have caller display and you see its them..don't answer just wait till it stops, then you ring the number your telephone co give you when you subscribe, all automated, follow the instructions and voila! the last call is banned. Alternatively you can manually add any number in advance.
  
• Remember their threats are just that..they can't send in bailliffs (only a Court can do that, after a CCJ is obtained, and then ONLY if you don't keep up the payments) As it's not even your debt that just ain't gonna happen Debt Collectors HAVE NO RIGHT to come to your home and take goods.
  

That's enough to be going on with for now, hopefully we'll hear from you later.

Hugs,

Elsa xxx

Edited August 9, 2009 by Undercover-Elsa

[Undercover-Elsa]

Hi SQ,

Just looking in on the morning shift

Glad you got that spider..I wouldn't have been able to sleep either!

I used to have a labrador years ago that caught them on command..she was obsessed and could HEAR them. She'd be lying on the settee (tut!) half asleep, and suddenly wake up..stare fixedly at some part of the room, then whoosh she'd pounce. Really miss her, my Search and Get Spider dog

Glad things are starting to look better,

Catch you later

Elsa xxxx

[Undercover-Elsa]

ugh! slugs eeek! I forgot about them! I hate those too! i would be running round in circles too if some one brouht one of those to me!

What you need is some ducks Sunflower..they search and destroy slugs..hmm wonder if they'd catch the spiders too if I brought them in...

Elsa x

[Undercover-Elsa]

Hi Skimblesqueen,

How are you getting on with this?

Any developments?

Hope you're OK,

Elsa xxx