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Debts & Creditors - Please help


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Hi

 

I'm new to this so I apologise if I'm posting in the wrong place.

 

I have 2 outstanding unsecured debts

- one originally from the halifax and one was a barclaycard

 

- I started to struggle to repay the debts in 2004

 

in 2005 I started a re-payment plan with both companies.

I got married in 2007 but the debts are solely mine and nothing to do with my husband.

I made the repayments with both companies until I started on Maternity leave in 2010 and could not afford to continue with the payments.

 

After returning to work in May this year i have lost my job and have started to claim benefits, my husband also claims benefits as he lost his job in 2009. we claim as a couple and for our child.

 

what I want to know is

- I have received a budgeting plan from one of the creditors but am unsure how to complete it as we claim as a couple and our household bills are for both of us

- but the debts are only mine

- do I include all the money we receive or split it to show just my income??

 

Thanks

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yes fire off a couple of CCA's

 

poss an sar to each as well

i bet you've got PPI and/or PENALTY charges to reclaim

 

i per would NOT send any pers financial details

only a judge can demand that.

 

what does your CRA file say about these debts?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for the replies

 

Yes they did have PPI on them but after speaking to a couple of the PPI Claims companies they said any refund would just be taken off the debt and I would have to pay the PPI claims companies for the collection so I have not started any claims.

 

What is a CCA??

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Thanks drop47

 

I wouldn't know where to start with the PPI claim but will definitely look into it.

 

Will the collection agencies have the original agreement as the debts have been passed over to a few since they were with the halifax & barclaycard

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good well done.

 

the PPI

 

well i'm surprised a reclaim company actually said that!

 

better than most.

 

it might not be the case

esp if the debts have been SOLD.

 

pull my chain on the PPI

dont loose +30% to a company

 

its easy.

 

now these CCA's

send them to whomever is shown as the owner on your cra file for each debt or

whomever you are/were paying [if a dca]

or the LAST company to chase the debt.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 months later...

Hi all

Just an update on the above.

 

I sent off the letters and got replies -

 

Halifax Debt - got reply at the end of September stating the debt had been passed back to HSBC and I should receive a reply from them

 

Barclaycard debt - I received a letter stating the info i needed had been requested from another collection company

and as soon as I receive the info I need to pay off all the money owed (this was the 11 October)

 

Since then I have not received any letters or calls from either company!!

 

Does this mean I don't need to do anything more (to be honest I was just glad to have some breathing space)

-or should I chase them up for the info (as i dont want things to spiral out of control again)

Thanks

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fire off the failure to comply letter to anyone that has not supplied a confirmed enforceable CCA within 12+2 days

 

stop any paymnts to those people

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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