Not sure what to do first

[HertsTog]

Wow what a gold mine of information there is on CAG, in fact so much I'm not sure what steps I should be taking 1st

 

I've previously worked for clients via my own Ltd Co but the work has dried up so I now find myself claiming JSA (the DWP and HMRC see me as an employee)

 

One of my creditors pointed me at CCCS (a debt charity) and they have suggested that I send a standard letter (plus financial budget statement & list of creditors) to each creditor offering them a token payment of (say) £1 a month and asking that the interest be frozen etc until my financial situation improves

 

I also have a credit card from Aqua on which I had PPI, I tried to claim but was told by the folk at Halifax insurance that they classed me as self employed (unless I wound up the Ltd Co) and that the claim was rejected so it looks like I have a claim for mis selling of the PPI policy

 

Should I be sending those "token payment" letters to each creditor and the same time as a CCA (which I understand helps to establish if the loan/debt is enforceable) or should it be one or the other ?

 

Also if I send a PPI mis selling letter to Aqua should I also send the other 2 letters (or one of the other 2) as well

 

I'm not totaly sure where a SAR fits into these steps as some people seem to use that approach rather than a CCA request

 

I've taken on board the warning to open a new bank account with a bank where I have no debts in case my current bankers lump all of the debt together with my JSA payments and leave me with no food

 

 

Great Thanks in advance

[maroondevo52]

Hello and Welcome, HertsTog.

 

Best thing to do would be to start a new thread on your individual debts in the appropriate Forums. If you have any problems with this I can 'link' you to each Forum.

 

Regards.

 

Scott.

[HertsTog]

Thanks Maroondevo52

 

As I have the same issue with several bank/lenders should I post the same Q in each appropriate section on CAG or just once as a token Q and then apply the advice across all of my creditors ?

 

Thanks

HT

[maroondevo52]

Best keeping them all seperate, makes it easier for people to give appropriate advice.

[HertsTog]

Thanks

 

Hope I dont get different advice in different threads ;-)

[maroondevo52]

Thanks

 

Hope I dont get different advice in different threads ;-)

 

Now thats something I can't guarantee, if any inappropriate advice is given there's always someone to correct it.