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By Badtimes123 · Posted
Hello Yorky, I'm not entirely sure what you are asking, but I'd like to help.. Can you perhaps be more specific with your questions? You mention, currently unpaid from work, but then say employment could end? are you employed? You mention unpaid carer but then talk about carers allowance as income? If you earn less than the taxable allowance then correct, no tax will be taken. -
By evilmrkipling · Posted
Oh and Exhibit E, which shows that they do not have planning permission at the Urban Exchange to errect ANPR cameras or to put up advertisment signage. Planning - 100 Great Ancoats Street Manchester M4 6DE.pdf -
By evilmrkipling · Posted
Here's my draft defence, let me know what you think... Draft Defence.pdf -
By Badtimes123 · Posted
Hi Stuckfast and welcome to CAG Great job starting to self-manage your debts and listing them out here, you seem proactive and that's a great trait to have when it comes to debts. You don't mention your partner's income so maybe there is some flexibility there to maintain pro rata payments? Personally, looking at your list vs income I would consider dropping all of them to £1 per month as per the pro rata process and stating you are having further financial difficulties. The reason I would do this is you are unlikely to clear any of them as it stands and there's little difference in £5-£1 from the creditors point of view, whereas due to the amount of accounts, that's alot of ££'s for you when multiplied. This can be saved initially with a view to perhaps making full and final settlements on the none defaulted smaller accounts in the future but at the very least give you some breathing room for now. Then, at some point after the companies all default you, they are likely to sell the debt on, at which point you can challenge the DCA's to prove the accounts are enforceable - they are usually not due to how the Original Creditors (OC's) and Debt Collector Agencies (DCA's) carry out this process. Have a read through the debt forum for similar situations as yourself you'll soon pick up the idea. You are not alone and there's nothing to be ashamed of - you've done the right thing in reaching out here on CAG, we will help you Lastly, I disagree with Yorky and do not think you should seek advice from any company that is funded by the financial institutions, advice here is free and if you're willing to learn you can absolutely do all of this yourself. Don't use the phone - letter's only. Don't complete any income and expenditure forms You've already proven you are willing to take control, continue! BT -
It isnt a great thing to have to worry about all these things. I am sure someone on this site will offer some great advice. Priority debts need to be sorted first; Rent/Mortgage, Council Tax, Utility - Dont quote me as I do not know the legal points around this; but Overdrafts, catalouge, card debts are not priority. I would sit down and work out exactly what your priority debts and living costs are, deduct from your income. Look at all your cards, loans overdrafts etc, list them all, starting from the highest interest charging ones, think what and which ones to work out a realistic monthly payment, dont overpay what you cant afford. I would consider not using the cards etc, as you will be adding to your debt and problems. I would contact someone Like Stepchange or Citizens advice, they will offer you some very good advice and ways of contacting your companies you have debt with. Dont be afraid of your debt companies, write to the fully explaining situation and what you can realistically offer, do not be preasurised into paying more than you can I personally prefer contact by post or e mail rather than telephone. Ive no idea what Factor, Monzo is, but may well fall in line with what Ive said. Keep a note in a diary of every call you made or who contacted you, ask for names, keep and copy all letters to and from as this may be helpfull further down the line for record keeping. Do not ignore contact as this just adds more stress for you and the problem wont go away. Make sure you make your affordable monthly payments, every month, even if they say we wont accept it, its to low. As you have a lot of stress going on, I would certainly contact someone like Stepchange or Citizens advice, Good luck
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