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can anyone give advice out there


craigy4win
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hi after getting made reduntant in 2008,i had loads of bills which were covered by ppi which i used however these stopped paying out after a year so i was left with debts only on 60pound a week,so i contacted cccs i was adviced to pay only token payments of a pound the trouble is ive done that for a year and have had loads of defaukt notices for underpaying i got a job at beginning of this year only working part time so phoned cccs again and they advised to do same thing but these debts are just going up and up with defauts some have even doubled i do not have any assets live with parents here os a list of what i owe

halifax overdraft 2,200 this is made up of bank charges

halifax credit card 2,000

littlewoods catologue 1,800 doubled with intrest when i opened this they have my surname wrong and i asked them to change it but they never did now with ndr

capital one 799

aqua 600 now with clarity

premiur man 300 now with 1st credit

belmont thorton 200

studio 24 300 now with westcox

sainsburys bank loan 1.700

id be gratefull for any advice anyone may have i can not afford to pay anymore than token payments is there anything else i can do

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all credit card and loan charges like missed/late/over limit/letter/phone budgie died are unlawful and can be reclaim + int at THEIR rate

 

you could cca everyone [barring the bank a/c's or od's]

that might throw up a few ifs and butts...too

 

however, you are doingthe correct thing so far.

 

lets get you ducks in order first, then we'll start shooting then.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thanks i do have a lot of charges on my sainsburys loan i thgink i claimed late charges back but not phone calls also they charged extra intrest are they allowed to do this,what would you recomend i do ask for cca what do i need to look for in these can you still reclaim bank charges where do i stand with overdraft,catolouges please

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pop along to the homepage and do some reading i think is your best bet.

 

then we'll deal with anything you don't understand.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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