needs help with k&co group

[pheonix86]

Hi ive come on here for well advice would it be!!,

 

i have a account with k & co group cataloge,

i took something out which i thought i could offord but now im in debt because well its my own fault really forgetting to pay them on my due date

and i always forgot to set up a DD, but ive had alot of stress just lately with the loss of my dad though it was 3 years ago i still cant come to turms with it im have really bad day.

 

.im scared to talk to family member ( i dont no why) about my debt

 

im in debt of £700 they want me to pay £192 arrears and i keep getting phone calls off them and letters from NDR

 

i really cant offord to pay the full arreas but scared to phone them as i no they will want more than they say.

 

.i really dont want to get black listed and have a bad credit check,

 

i really dont need the bad credit rating as i will be moving into letting accommodation soon and they said if i dont pay the arrears in so many days

then i will have 6 years on my credit file i really do not want this,

 

please please help me..im 25

i do work but ive recently had my hours dropped at work

so struggling at the minute im only just managing to get buy.

 

.i tell ppl im paying it because i feel ashamed and upset to tell anyone.

 

 

Thanks a very stressed person :sad:

[dx100uk]

well firstly it a catalogue debt

 

BOTTOM of the pile

 

i take it you've never had any threat-o-grams before?

 

they can do nowt to you

 

i'm going to move your thread to the catalogue forum.

 

there you can view other peoples threads too

 

you are under NO legal obl to talk to them

nor NDR who are their pet in-house DCA

 

DCA's are not bailffs,

they are the same as you or me

the have no legal powers to do nowt.

 

did you lnow:

 

you can reclaim ALL those £12 charges!!

 

and PPI if you have it too.

 

dx

[pheonix86]

ok thank you

[The Ghost]

For once I agree with this route. Reclaim the charges, see what the debtis then and see if you can arrange a F&F with them. Your credit file will stay in tact and you'll not have this stress hanging over you.

 

I told my family of my debt problems recently (now I'm almost out of them) and wish I hadn't! Only you know how your family will react, but mine were dreadful.

[pjc71]

thats true ive got debt which a lot was left by my ex-wife but ive got a 82 year old dad who has never been in debt and thinks that people who are have no one to blame but themselves luck ive got a great sister who has helped me out in the past.......oh and to pheonix86 dont let these things worry you we are all here to help each other and i tell you what my sleepless nights stopped when i found this great website....