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richarddawkins

home repossession and effects on health

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Hi Richard

No I havent had the pleasure of visits from DCA. I am just really staring down the road of fighting back.

I have been paying DCA for years. Left my husband 12 years ago, long story so wont bore you but had a lot of debt, knocked myself outself paying as much as i could for the next couple of years and had a massive relaspe of bipolar, ended up in hospital and not worked since. I started paying DCA then and been paying every month since and owe more now than i did then. It was while i was looking on this site just over 3 weeks ago that i started to confort the debts and really started to learn that i did have rights and so i have started the fight back to see what i really owe and what is legal. I CCA the DCA time is up for them to send me the info. Next step is letter in dispute then i guess i really dont know what will happen. I depend on the advice and support on here to help me through. I know that there is a template letter for no visit. I know i will panic if i did get a visit and would likely call the police. I know that the code of pratice states that DCA have to deal in a sensitive way to people with ill health, although from what i have been reading i doubt some of them know what sensitive is. Yes I am afraid and equally empowered to fight back as even though i was ill at the time I know i did not rack up the debt and any debt i did have i have more than paid for. I am feeling the fear and doing it anyway. Remember Richard there is nothing to fear but fear itself.

Take care of yourself

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starblackie,

please promise me that you will ask for advice on this site if you need it,stress is a big trigger for your illness and your health comes first.If a DCA does land on your doorstep ask them to leave and shut the door.

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Thank you so much Rohannah. I have been moved to tears more than once for the kindness on this site. I will ask for help, indeed i shall need it i am sure. Havent always found kindness so means more than words.

Bless you and you take care

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Alrighty then,,the B**ch is Back,,Buckle up buddies Mamas home :):):)

 

Richard,,keep on getting stronger hun,,you are in my thoughts and prayers always

Girly and Janey,,,,,,,MISS YOU,,COME HOME :(:(

Ro,,my darling Ro,,kept the homefires burning whilst I dealt with Casa Mia ,,bless your heart darlin' xxxxxxxxx

Starblackie,,support is only a touchtype away,,you are NOT alone,,ever,,nothing but nothing is worth getting ill over,,what they gunna do to ya? squeeze you to get blood out? I think not!! Make the most of all the stickys,,templates,and advice on here,,we'll see you right hunbun,,keep smiling cos it causes less wrinkles

 

Ole Lillies back in town

xxxxxxxxxx


Lillibelle

 

I only know what I know cos I know it,I only give advice,I'm not legally trained nor do I pretend to be.

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It will be 6 years on the 10th of this month that I was repossessed, and both companies in administration - no money has been paid to either and requests for documentation has been like pulling a winkle out of a shell without a pin....

 

It has now gone to the FSA and hopefully they will see how lax both lots were before and after the event.

 

Hope everyone else is bearing up, I still find it bad that this alleged shortfall information stays on our credit rating for 12 years, when there is sometimes little liability for it to be there. It should be removed after six years.

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starblackie

I'm sorry you haven't always found kindness but it's something we share,I too have bawled my head off when someone has been nice to me but if you are not used to kindness it can be overwhelming.:faint:There's nowt wrong with us.

 

xxxxxxxxxRo

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Hi Lilli

glad you are back and in great form,gee I wish you'd given the advice about the wrinkles earlier.:frown: I don't know what's happened to the others... Richard's still having a few probs with his machine by the look of it........ my posts have been a bit short as I've been wading through tons of paper from the SAR I didn't get much from it so I've advised Mr Ro to do a Reggie Perrin :lol: I should have cleared all the paper away by the end of the week and I MAY be back to normal.

Til then :grouphug:

xxxxxxxxxRo

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Hi sg1,

I really hope the FSA sorts it for you,it's frustrating when you have to keep chasing after everything I can just about remember when life wasn't a constant round of letter writing etc.etc.etc.I think I'll be kicking up the daisies by the time my OH is sorted.

Chins up everyone

xxxxxxxxxxRo

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Oh soz sillygirl I missed you off my list..hey hunbun xxxxxxxxxxxxx


Lillibelle

 

I only know what I know cos I know it,I only give advice,I'm not legally trained nor do I pretend to be.

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hi

 

everybody has gone quite. what happened gals. are u guys busy or just keeping the distance.:!:

 

Laptop probs (piece of junk!) and gall bladder probs! I'm getting back to normal now, as is the laptop, so all's well (or at least getting there!) Hope you're well, Richard, and everyone else on the thread. Sorry at the moment I don't have much time; I'm trying to get a lot sorted around the house and garden. My mother's cats are ill, too, so I've been taking them to vet every other day!

 

Hopefully, everyone is OK - I have been thinking of you all!

 

Best wishes

Janie

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Hello,,greetings and salutations :) I'm sorta kinda in n out atm,,sorting FIL's estate out etc,,plus an aged rellie died too,,Very busy :)

 

Janie,,get well soon chicky xxxxxxxxxxxxxxxx

Hope you're ok Richardxxxx

We'll all be back to normal service soon I hops xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx


Lillibelle

 

I only know what I know cos I know it,I only give advice,I'm not legally trained nor do I pretend to be.

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Hi everyone,

sorry I've been swamped too,laptops limping from all the typing I'm not too good at the moment either. We all need some tlc. Janie this is what you need:laser: Lillie you sound really busy :juggle: I hope you are holding up Richard I'll be back as soon as I've dealt with everything,

 

xxxxxxxxxxxRo

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Ro xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx


Lillibelle

 

I only know what I know cos I know it,I only give advice,I'm not legally trained nor do I pretend to be.

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I'm still here, almost 6 years to the day I was evicted.

 

My dad's 79th birthday bash this Friday.

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Hey sillygirl,,,have a good time hun xxxxxxxxxxxxxxxxxxxxxxxxx


Lillibelle

 

I only know what I know cos I know it,I only give advice,I'm not legally trained nor do I pretend to be.

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Hello All

I had op today, should have been later in the month heard last friday it was to be today instead, keyhole surgey, went in early this morning and was first down just after 9 and home by 4, friend upstairs just gone and been such a big help as was just sore when i got home now walking like a bend over old woman. Distracting myself on the internet and full of painkillers. Glad its over now of to bed. thinking of you all and hopefully back to "normal" soon, been a frantic few days.

Take care of all you

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Look after yourself starblackie.... hope you have a swift recovery.

 

Got insomnia again today, have had 4 hours sleep but feeling okay. Going to have a bath and a cup of chocolate and sit and watch a film and do some knitting.

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I can realt to insomnia sillygirl1, have it big time. Despite the all the meds and op yesterday up at 3.00am feeling better still sore though, i shall be taking it very easy for next few days. Doing more reasearch on this site in my ongoing battle with DCA waiting every day for one of their nice letters.

What are you knitting sg? I went phase knitting few years back, till my knuckles starting to be painful on my right hand and couldnt do it anymore. Knitted more scarfs than i care to remember for a chartiy. Fun while it lasted. Trying my hand at some jew making, had great idea of making chirstmas presents but dont think it will be this Christmas, rather slow!

Take care everyone

starblackie

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Starblackie, I have insomnia today, had about four hours sleep earlier and have been up for about five hours now. Washing nearly finished in the machine.

 

I am knitting blanket squares to use up odds and ends of yarn, they are being made into a blanket for charity by one of the ladies in a knitting group I belong to.

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I get things done in the middle of the night to, when most people are sleeping, can feel lonely though. Kinnited blankets are lovely, colourful and like comfort blankets, sure it will appericated by the lucky person who recieves it and you get the satisfaction of doing something nice and thoughtful for another. If only everyone were thoughtful what a different world it will be. Try and take things easy sg as you been up half the night, it can make you feel quite **** when you havent had enough sleep.

Take care of yourself clicking away on those needles

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Insomnia is a swine,,I've been awake since 3am,,despite sleeping tablet...snuggled up with me cats now :)


Lillibelle

 

I only know what I know cos I know it,I only give advice,I'm not legally trained nor do I pretend to be.

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Morning Lillibelle

Ive got my two on each side of me on the sofa, lovely and cosy. One of mine looked at me so funny last night she likes to sit on the arm of the sofa and loves to climb all over me, especially when im on the laptop, shes an attention seeker. Last night i just couldnt have her climbing over me because of the op yesterday not to mention pain. The look she gave me, she was not impressed, gave her lots of kisses to make up. Im of to try and get a couple of hours, medication plus sleppings pills yesterday and only got just over 3 hours sleep, its i agree a swine and a bummer. Take care and give your cats an hello from my two

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