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    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
    • Hi.   I think you've made a good start by setting out in writing what you need to deal with. People should be along later to advise on how to deal with your creditors.   For the mental side of things, have you talked to your GP about getting some help with what's getting you down? Or support with the gambling issues?   HB
    • Hi people.   So I've managed to get myself into a sorry state financially. I'm insanely depressed which I guess is common for many. I don't think all of it comes down to the financial stuff but it is really crushing me now.   Facts: A lot of debt has been due to living on credit and gambling. I don't have a job. I know I should get one but I just totally despondant at the moment (due to many reasons). I don't expect any sympathy but I thought I would share this.   It's tempting to bury my head in the sand and wait for the inevitable calls from various collections departments but I want to be as proactive as possible. I think I've cancelled all direct debits so I don't get bouncing charges from the banks...   So onto the debts:   Loans livelend; £2400 was 4k 13% interest Bamboo £3000 (only just made the first payment this month) supid interest Likelyloans approx £3500 stupid interest  One payday loan for £200 I just got to cover some bills (knowing that I'd unlikely be able to pay it) - this is the only thing I haven't cancelled with the bank as they just take it from your card   Credit cards: Aqua approx. 3900 Capital one approx. 1200 Amazon approx £500 Paypal Credit Approx £1100 Overdrafts Santander £1500 Barclays £1k limit (I don't actually pay anything for this)   So all in all approximately £18,000     I also have a negative Paypal balance of £5000 but I don't believe this classes as a debt and I don't think they can do anything about this having read up on it quite a lot.   I guess my question is what is my best course of action. Should I look to do a DRO? Should I go bankrupt? (eurgh. Full disclosure I did this 15 years ago when I was 21. You think I would have learnt!) Should I write to each creditor and offer them £1 a month? Should I talk to one of the debt charities?   It is all my fault that I'm in this state but I also know that it's not the end of the world because they are all non priority debts. I probably am slightly behind on the council tax but not significantly.   I started claiming universal credit a couple of weeks ago and had my first appointment last week but managed to miss the next one due to not being able to sleep and then oversleeping and so I guess they've probably kicked me off that already and I might have to claim again.    So yeah. I take responsibility for what's happened but I don't see any way out. I've been very depressed lately due to this and other things. There is no one to "bail me out" and I probably don't need or want that anyway. Any advice appreciated          
    • Hi All,   I left the UAE 2 years ago. Have my bank clearance letter from HSBC.  I have been receiving emails from a company based in Hemel Hampstead IDRWW about money owed to the bank of RAK in the UAE which I’ve ignored as thought it was spam. I have now received a letter through the post saying the same thing (no idea how they have got my new address) that they are acting on behalf of RAK bank. I’ve never had an account with them but know how dodgy things are over there so would be nervous going back!.... Do I just ignore it or reply? It must be identity theft?  I am also nervous about travelling as I travel a lot & wouldn’t want to be arrested!!  I obviously have no intent on paying a debt that is not mine plus have no assets here anyway... Can they actually take me to court for something that isn’t mine??  Any info gratefully received.  Have spoken to citizens advice & they couldn’t help. Thankyou   
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Thanks DX

 

Im not sure why you saying for me to open a new thread for each debt? To look into what?

 

mmmm the SAR is quite expensive. I cant afford give that money to him and I believe he cant give it out either!!!

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after you get the statements

but if you cant afford it

then no point.

 

 

end of your problems then for the minute

 

 

dx


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hows this going

stay away from debt management plan providers THAT ARE NOT FREE>

you mention several in your 1st post NEVER EVER USE THEM.

 

 

dx


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we stayed away from debt management plans

 

right now i paid one of his CC and he is paying me off,

asked to cancel his account by writing, waiting on response at the moment.

only one card left to pay

 

I wrote to vanquis to cancel his ROP, but intend to pay it off too because his credit rates are horrendous.

 

he was worried with the fact that canceling his cards would affect his credit rate,

but honestly i think his credit rate will never be any better if it takes him years to pay a debt off

and in the meantime he gets no more money left for nothing

i believe it will help him if i do.

 

as for the CCJ we got nothing and he is registered to vote and so far no letters so we are sitting on it.

 

my biggest worry now will be one day we apply for a mortgage

and his ccj will be void but not sorted will be there and will come back to haunt him.

but thats in the future and i cant pay off everything.

 

he got a letter from department of work and pensions saying he owes them £23 lol

i hope that will be the only letter he is getting

 

seems he has no clue why he got that to pay so he called them

and it was crisis loans from when he was on benefits for 3months.

 

getting bit worried since if he can owe them that, what else can he be owing...

but so far he is managing to pay everything very slowly but paying...

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has he any defaults in the debt summary lines

 

if so paying or not

they will kill credit for 6yrs

then the whole account disappears.

same for the ccj

 

dx


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I'm not sure I understood.

 

You mean his credit file will be even worst if I close his account?

 

And I know the ccj that is forgotten after 6years and he doesn't have to pay.

 

But I've heard that it won't help his mortgage because they will know he didn't pay...

 

And our rates might go crazily high or it will have to me the only one doin a mortgage

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closed open makes no odds

 

what doesn't show on your cra file

you don't tell them about.....................

 

dx


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I'm not sure I understood.

 

And I know the ccj that is forgotten after 6 years and he doesn't have to pay.

 

Not quite true..it simply drops of the CRA and Registry...but it can still be executed after 6 years with the courts permission.

 

Andy


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Not quite true..it simply drops of the CRA and Registry...but it can still be executed after 6 years with the courts permission.

 

Andy

 

I thought that if he hasnt been chased for these 6 years then he definitely does not have to pay for it.

but now im confused

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its rare but the claimant could try.

 

 

pers I wouldn't worry about it.

 

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hello again

Seems I jinxed this a bit.

 

We have managed to transfer the balance of his Vanquis credit card to a Halifax credit card at 0%

interest in the first 18months. I guess his credit got better.

 

He has now paid off his Capital One and he is on his way to clear his debt by paying his Halifax balance transfer in 18 months.

 

But unfortunately we received in the post a letter from Dukes Bailiffs looking for what I believe his CCJ debt.

 

We dont even know whether it is that or not but the amount of money seems to be.

 

We have sent letters to council requesting proof that we owe this because to be honest I have no letters anywhere saying or proving he owes this money.

 

I believe if they are chasing us now, we need to pay for this correct?

Now he only "owns" a car that he is finishing paying for next June but its a broken car and he is now riding his bike to work because financially we cant pay for all.

 

I can try pay off his car and try and sell it but broken wont give us much money,

but it should be all he has.

Any comments on this?

 

I am his girlfriend and I am trying very hard on this. He is the kind of guy who bins every letter making me absolutely crazy and he is a good guy but very bad with finances but I honestly believe I have helped him a lot through the past year!

 

Adriana

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