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Hi Hope you are well

 

I have fended off my creditors bully boys for a while now by payimg them all £5 per month each.

None of these debts have gone to court and its their agents... that I am paying

 

My circumstances havent changed and I cant afford to pay off the total debt so is it wise to continue paying this ammount until presumably I die? not yet i hope but I will be paying it forever at this rate

 

I owe people like LLoyds TSB /Tesco /Nat west/Ikea/ british gas/HFC

 

My credit rating is rubbish and I dont want to go the voluntary bankrupt route because I'm a director of a company.

 

any suggestions please. Do I keep paying the £5 keeping the debt "live" so to speak or do I ignore their demands for the 6 years or so

 

Im not sure what to do?

 

thanks in advance

Sushi

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Since you're a director your only real option is to offer a token payment like you're already doing.

You could ignore their demands, they may consider using legal action at some point.

Are there any disputed debts?

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hi sequenci

no disputed debts

and let me clarify that these debts are personal and not for my business. Im a director of a dormant company at present.

i run up debts when I took the local borough to a tribunal and they refused benefits etc....all that is settle but Im left about 30K in debt and im trying to start again, which has been quite sucessful, except for the credit rating, and thats what made me think, "hang on, im going to be paying these off forev er and my credit rating will still be rubbish"

 

Im going to try and get the charges back on my credit cards and a tesco PPI which was sold i feel inappropriately and eventually didnt pay out when I was sick and unable to work! so these will help the balances.

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BUMP!

Hello all

 

Further to my previous posts i have a further question.

I have just been notified of some priority debts from the council regarding unpaid parking fines. I cant contest as in my ignorance I have committed some of the offences. However this is not my issue

My question is regarding the priority debt. The council want me to pay more than I can afford. If I didnt pay the other debts I could afford it. Can I write to my creditors and inform them that because they are not a priority debt the priority now takes precedence and as soon as that is paid off I will resume payments?

Its taken me three years to sort them out so I am abit annoyed but Im left with little choice. Ive written "begging" letter to the council but dont hold out much hope.

Any thoughts please

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its your money, do as as you wish.

take control not let them do it.

 

i take it you've travelled the CCA route etc?

 

dx


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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thanks dx

Ive gone down every road I can except bankrupcy and IVA both of which I dont wish to do.

 

Im guessing that if there is no available money left after the priority debt is paid, the other creditors cant make me pay.

Im annoyed because I had settled everything and they were all happy with the repayment plans. Now the letters will start again. But I cant pay what I havent got can I? and I want to avoid bailiffs for the parking fines.

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have you cca'ed everyone that is demanding money from you?

 

as for the parking fine

thats a diff thing

.

dx


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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When you say you can't contest them because you've committed some of them, do you mean admitted some of them. Most appeals against parking fines get them written off - you've nothing to lose by trying!

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Hi thanks all

I did that one with two of the fines and they dismissed the appeal. I havent admitted any of them. I figure that it will be less hassle to just pay because then the fine doubles with extra costs etc.

Ive written to Harrow council to ask if they will take mayments direct from my benefits...i know they can only take a small ammount. They previously wanted fifty pounds a month and with my other debts I couldnt do it.

If they insist of fifty again I will have to write to all the creditors and send them the council demand letters explaining that i cant pay them anymore becasue a priority debt has taken their money!

No I havent CCa'ed everyone, i know I owe the money you see so I thought id better make arrangements to repay even if it is at £5 per month.

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Incidentally, can I ask a court to change a payment order because I cant afford it ?

I have a judgement with an order to pay monthly but need to lower it....

are there special forms i need to fill in?

thanks

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Incidentally, can I ask a court to change a payment order because I cant afford it ?

I have a judgement with an order to pay monthly but need to lower it....

are there special forms i need to fill in?

thanks

 

n245 variation application:

 

http://www.hmcourts-service.gov.uk/courtfinder/forms/n245_0204.pdf

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thnk you, as ever this site is fantastic

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