£25k to eight creditors - getting to me - help!

[Bazooka Boo]

Will certainly help you with this.

 

This is NOT insurmountable, it is only money.

 

When I found this site I was in debt in the region of 40k, might have actually been more, I can't remember?

[Bazooka Boo]

Glad you came back..

 

The four catalogues are the easiest, in fact the other debts, are all non-priority debts. Meaning that they fall right to the very bottom

of the list of people to pay, this is after you've had a good night out on a Friday and paid the chauffeur, and had your bi-annual holiday in the Bahamas!

 

A new bank account is a DEFINITE! Open one with a different banking group, try Co-op or even the Post office.

Although I did bump Lloyds a few years back and switched to Halifax (who own Halifax) and so far so good!

 

Do your own I&E form linked above in Stig's post,

Then get onto the bank and the catalogues and inform them you're in financial hardship, and you want them to work with you in order to

come to an amicable arrangement to pay, but this will be at an amount that YOU decide, NOT them.

Those that don't or won't help, get £1 a month end of.

 

Is there any PPI on any of these accounts?

Do you know how much charges have been added to the accounts?

[Bazooka Boo]

I have just opened up a new basic bank account online (yeah) so when I get the documents through the post I will then transfer all my bills/payments over then send the Natwest and the rest my I/E which I'm nearly finished.....

 

Excellent!!

[Bazooka Boo]

[Bazooka Boo]

That email the sent made me laugh, god only knows what calculator, sorry, Abacus they use to magic up those repayment figures.

 

Personally and IMO, they like to use the threat of I&E forms simply because they like to feel in control, it really is up to you whether or not

you wish to send them one, again purely IMO I have never sent any tin pot DCA or OC an I&E form, all I have ever sent them is

INCOME:£750

OUTGOINGS:£745

Creditors x 5= £1 per creditor.

OFFER £1 per month, your agreement is not required, payments wills start on dd/mm/yyyy for the foreseeable future,

or until my circumstances change.

 

As has already been said, ONLY a judge can request sight of your confidential private I&E, not some joker who has only just

been promoted from flipping burgers in the golden arches.

 

They don't like it because the control and power has slipped through their fingers.

They forget to remember that none of these debts are actually priority debts, and I always remind them of this fact, and if needs be,

I tell them that as I am a bit of a social butterfly, I need beer tokens for the weekend, and anything I have left after my wild parties,

curry nights, festivals, etc will be divided up between the other creditors.

 

As they still fail to help customers in financial difficulty, even when you have informed them of this, they should be told one last time to accept your offer, or you will drop the offer of repayment down to £1 a month for the life of the debt.

[Bazooka Boo]

.. I do feel a lot more optimistic now.

I wont let these people dictate that what is best for me is making them number one in my list of priorities..

...much to the detriment of my own and children's lives...

...sorry children, no dinner tonight but we can all be happy with the thought that we have met Vanquis' payments this month.

...it's crazy to think that I was actually putting the credit card company before my own children's needs..

 

It is indeed, but this is how these outfits operate, they make a play on words threatening and intimidating those who owe a bit of money,

it's called ''exploiting a debtors lack of knowledge'' and they know it & exploit it to the extent that some debtors put themselves six feet under.

 

I know it's old, but this link shows you exactly the how these firms operate,

The late Beryl Brazier RIP.

http://www.dailymail.co.uk/news/article-484772/Grandmother-terrorised-death-bank-wrongly-hounded-16-000.html

 

NO-ONE should ever ever be afraid of these powerless parasites, they have NO LEGAL powers whatsoever!

 

If you can live with their harassment, which you document in a diary before reporting them to your local cop shop

for the criminal offence of harassment, then their attempts to threaten and intimidate you should be seen for what they really are,

a desperate attempt to earn a profit, because money is like oxygen to them.