Help Please DEBT COLLECTORS HOUNDING ME

[JONNYCEE]

ruthbridge £1750

tbi £7000

dcl £543

bcw £500

bryan carter £400 ccj

aic £500

concila £2000 water

greenwoods £1800

PAYDAY LOANS

access fast £190

quickquid £240

cap one £210

debit card loans £260

wonga £150

txt loan £200

paytday uk £100

[dadofholly]

Nothing there i would call priority debts.

 

who are the original creditors for the following - and what was it for e.g. personal loan, car hp etc.

 

Bryan Carter

Rutherbridge

tbi

bcw

dcl

greenwoods

[Bazooka Boo]

How did Bryan Bloody Carter get a CCJ?

Bet it was by default in the NCC?

[JONNYCEE]

yes it was a cat debt which i defaluted on in 2008 they want £10 a week ,all the other debts were un/ loans btwn 2001 -2008 none of them are s/barred

[JONNYCEE]

also can they put that charge on my house for £500odd and can ruthlessbridge make me bankRUPT

[Bazooka Boo]

Any amount above £750 can be liable to threats of bankruptcy, however toothless are possibly the least likely muppets to carry out this threat, it is more than likely a threat to get you to contact/pay them.

 

Can you just clarify BC's CCJ?

Were you aware of him applying to the courts for this? Did you receive the court documents?

[Tiago]

Could be wrong but i've never seen a post on here where Ruthbridge have ever taken anyone to court. I don't think they know how

[JONNYCEE]

yes it went to court in 2008 for abt£600 pay a bit as you can see but they have not taken any further action as i pay a odd 10 here and there

[Happyhippy1959]

Hi Johnnycee

 

As Bazooka will tell you that BC is one mean mother... goes to court me thinks at a drop of a hat. I am awaiting my turn to fight him but as yet he has not reared is ugly head.... Can't wait for any of mine to issue SD will run round there in person and take them by the hand to the court........ Save me one of hell of a lot of money.

Bazooka, who does he usually act for????? what nasty reptiles of the big institutions does he cosy up to... might give me an insight as to when he take's on the hippy!!

[Bazooka Boo]

Johhny, can you confirm that the CCJ which was awarded you knew about, and failed to submit a defence, what payment did the court order, you can't just pay a bit here and a bit there?

[JONNYCEE]

yes i did not make a defence i was meant to be paying £10 a week and i think it was for £680 and i got it down but now i have not been making payments for ages and yesterday i got a letter saying balance£398.32 YOU ARE NOW IN BREACH OF YOUR PAYMENT AGREEMENT AND FURTHER ACTION WILL NOW BE TAKEN TO ENFORCE PAYMENT OF THIS DEBT.IF YOU WISH TO AVOID FURTHER ACTION ,IT IS ESSENTIAL THAT YOU CONTACT US IMMEDIATELY ON 08453133128 THIS IS A SERIOUS MATTER AND YOU MAY WISH TO SEEK INDEPENDENT LEGAL ADVICE YOURS SINCERELY BRYAN CARTER

[JONNYCEE]

these dicks are bleeding me dry ,just wish i could get straight again but it oks bad:sad:

[JONNYCEE]

is it worth taking out a £3000 loan with FLM or would that make matters worse

[coledog]

is it worth taking out a £3000 loan with FLM or would that make matters worse

 

Worse, you need to sort out what you owe. Can you get a loan with the debts you have and what would the interest be?

[rdm2006]

Do not take out new debt to pay old debt it is a very slippery slope and your footing is not too good on that slope. (just like the rest of us lol).

 

Today is the day you regain your control Important debts first (if the owners of non priority debts choose to go down the "Charging Order" route you can deal with that at that point, by that time you will be much more aware of your rights and we will be here to back you up and give advise.

 

Do not be afraid to go to court, it may actually help you, as a judge may order them to reduce the payments to a more affordable level, however, I say this to ease your worries not so that you give up and let the court deal with it, this would not be seen to be good.

[JONNYCEE]

So what about the dcl one i have just canceled the dd for £57 EACH MONTH AND THE GREENWOODS £45 A WEEK

[rdm2006]

Write and tell them you are re-assessing your finances and offer a token payment of £1 (or more if, and only if, you can afford it). You may if you wish tell them that this is a temporary measure for 3 months and after this time you will have a clear picture of your situation. Also tell them that once this has been done and your disposable income has been calculated you will apportion this accordingly based on the amount owed (ie least owed gets least amount).

 

Booking yourself an appointment with citizens advice would be a very good idea. If you do, tell that to the creditors also it might get them to back off once they know you are getting help from people who know your rights.

 

Remember do not talk to these people on the phone everything to be done in writing ONLY.

 

Use the Telephone Harassment Letter if necessary

Edited February 7, 2011 by rdm2006

[JONNYCEE]

another letter just come today...from CONCILIA FULL BALANCE NOW DUE £1843.41 despite previous reminders,you have not kept up to date with your instalment plan.youy plan has now been cancelled and the balance shown above is now due foe payment in full.please contact us immediately on 08453094092 to discuss your account.if you are having difficultly making the payments we are able to offer a number of schemes to assist you based on your circumstances.PLEASE TAKE THIS OPPORTUNITY TO CONTACT US TO AGREE A SUITABLE ARRANGEMENT.FAILURE TO DO SO COULD RESULT IN YOU BEING TAKEN TO COURT BY OUR CLIENT.YOURS FAITHFULLY MS H CULLIGAN OPERATIONS MANAGER...............................................I rang them befor xmas and offered £40 a month they said no it has to be £60 so what can i do ..i can afford £40 but not anymore but these places dont get it .. IT IS FOR MY WATER ARREAS

[dadofholly]

You need to do a budget - find out what you CAN safely afford to pay to your creditors after all your priority debts and household living expenses. The divide the amount of Money that you can spare between these other debts.

 

Offer what you can afford - NOT what they want. A Court will only do the same.

[Fittobust]

My advice is to contact Citizens Advice Bureau or contact, via telephone, National Debt Line, you should be able to find telephone numbers for both organisations in the telephone directory. There is a website for the Citizens Advice Bureau. You should be able to find where the nearest CAB is to you from this website.

 

If the amounts of money being paid to these debt collection agencies is such that you are not making regular payments to your priority creditors such as the utilities, mortage or rent. Then reduce the amount to a nominal £1 per account per month. whilst maintaining payments to your priority debts. Meanwhile inform the debt collection agencies that you are seeking advice on your rights and that you will contact them later once you have received help. The CAB or National debt Line will advise you of your rights and will help you to deal with your debts.

[dadofholly]

My advice is to contact Citizens Advice Bureau or contact, via telephone, National Debt Line, you should be able to find telephone numbers for both organisations in the telephone directory. There is a website for the Citizens Advice Bureau. You should be able to find where the nearest CAB is to you from this website.

 

If the amounts of money being paid to these debt collection agencies is such that you are not making regular payments to your priority creditors such as the utilities, mortage or rent. Then reduce the amount to a nominal £1 per account per month. whilst maintaining payments to your priority debts. Meanwhile inform the debt collection agencies that you are seeking advice on your rights and that you will contact them later once you have received help. The CAB or National debt Line will advise you of your rights and will help you to deal with your debts.

 

 

JC This is good advice given here - strongly suggest this is the route you take.

[Tiago]

When calculating your I/E with the CAB or National Debt Line make sure you calculate EVERYTHING you can think of including your 2 cats and dogs + vet bills. Get it it down so that you have very little income left to pay these DCAs.

 

Don't speak to any DCA on the phone EVERYTHING IN WRITING send recorded and keep copies for yourself.

[JONNYCEE]

JUST HAD BRYAN CARTER ON THE PHONE WANTING £10 a week from today and dcl kicking off because i cancelled the dd ....tonight i am gonna put on here every debt i owe,how much,and what they want each week

Edited February 7, 2011 by JONNYCEE

[JONNYCEE]

also greenwoods will be kicking off next

[JONNYCEE]

income £668 fourweekly1st job

£270 fourweekly 2nd job

£384 fourweekly partners job

£133 fourweekly fam/all

TOTAL £1455

 

 

outgoing £656 mortgage

£200 mortgage arreas

£400 shopping =£100 each week

£52 elec

£60 gas

£5 tv li

£45 phone/virgin tv

AS you can see not a lot left ,plus got 2 young kids