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    • Ho @honeybee13,     Re the account number...Phew! Thank you for that...I'm normally pretty careful in redacting stuff but, did post this very late last night and then started working on...redacting some documents 🙄......in the early hours of the morning when I couldn't sleep, which was in preparation for bringing you up to speed with everything.   Re your question: that's what spurred me on to finally join the site: npower have been in so many breaches over the years, it's mind numbing. One of their latest series of breaches even involves the Ombudsman sanctioning those breaches 👿 Here's what he said about this:-   "The other aspect is in relation to the deadlock letter. You are unhappy that this was sent to your nephew, Mr Sxxxx, but addressed to you. I did seek clarification from npower regarding this and they confirmed what I suspected. Because Mr Sxxxx has been assisting you with your complaint and is a named representative on your npower account, as he is on your account with us, npower state that he had requested information from them, including a deadlock letter. npower therefore sent the deadlock letter to Mr Sxxxx but because the deadlock letter is about your account, the deadlock letter was addressed to you. This is a reasonable explanation from npower, and I do not class this as a breach of GDPR because npower has not shared your personal data with anyone they were not meant to."    
    • Thanks, I have only raised it the once and just took the chance to ask if he'd spoken to the chap and once done, fully intended to thanks both. No, I don't want all the hassle, saying I'd pull my big girl pants up and listen to advice given on here. It was he who began to shout at me so I tried to stand my ground. I know these things can get out of hand. What happens if I need work on the panel in future and for workmen to be at that height interrupts their signal? This isn't a hypothetical question as I've had to have remedial work done in 2015, two years after install with scaffolding up to the roof line?  I really dont want grief again at a later date. Thanks for the reply. It's appreciated.
    • That's certainly an avenue worth exploring. It's a shame when somebody's driving record suffers because of what is essentially an "administrative" offence. Unfortunately there's no difference in the penalty between what happened here and somebody tanking it at 120 on the M1 simply declining to name the driver in order to avoid the (almost inevitable) ban for that offence.   As well as that he may be asked whether he has any unspent convictions in (say) the past five years and whatever the position with his licence he must answer "yes" to that. Whilst penalty points become spent when they cease to have an effect (i.e. after three years) the accompanying endorsement is not spent until five years have elapsed. The problem I think the OP may face is that it is often the employer's insurers who set the conditions and they may not be easily swayed.
    • Would it be an option to appeal to the company looking to employ you, explaining the situation (why you have points on your licence) and highlighting that the index offence wasn’t committed by you, and now you are more aware of the need for company policies tracking drivers, to protect the other company staff?
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Totalmaverick

Help and advice with Debt, Don't Know what to do

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I'm not sure this is the right place but here goes

 

I suffer from Borderline Personality Disorder, which means I am often very depressed, anxious, scared, etc. I am on medication and generally have the illness to a level that I can cope.

 

However I have got myself in debt with

Vanquis,

Capital One,

Littlewoods and

Very.

 

I was making regular payments up to about 6 months ago but then my Mum passed away and my world fell apart.

 

I am on esa and was managing with the help of my partner to maintain my payments. Now I am getting nothing but phonecalls and letters.

 

This morning I received my second letter from Moorcroft for the Vanquis debt (£1287.14) asking for me to talk to them and payment or further action will be taken.

 

I owe Littlewoods £925.73, I have only missed 3 payments on that debt so far but will miss more.

 

I owe Very £2513 including arrears of £409.

 

As for the two credit cards with Capital I owe approx £600 on each card.

 

On top of this I have accounts with JD Williams which I'm not in arrears with but will soon not be able to make the regular monthly payments.

 

I just want advice as to what to do,

should I write to them all all and make an offer of a payment each month an hope they accept it.

 

I don't have much money left over each month from my esa benefits so payment would have to be a small amount.

 

Would I be better looking at a debt relief order?

 

I just don't know which way to turn and it is affecting my mental health.

It's hard enough dealing with the grief of losing my Mum just under a year ago on top of losing my Dad nearly 3 years ago. I just don't know what to do.

 

I know this is my own fault, after losing Mum i went silly with money, anything to numb the pain I was and still am feeling.

 

I just want some advice and guidance.

 

Thank you for reading my rant and I appreciate any help you may advise me on.

Edited by dx100uk
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Write to all of you creditors

Ignore the powerless DCA's they are not bailiffs!!

Stay off the phone too. Writing only put the phone down !!

 

There is a pro-rata letter in the debt collection section of our library

 

Dont go down any dro/iva/bk route for consumer debt

 

Chin up


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Thank you for your advice, I will look in the library section and write the relevant letters. Thank you for giving me a little bit of sanity back.

I don't cope well with these sort of situations and though some might think my situation is trivial compared to others for me and the way my brain works I start panicking and these then leads to anxiety attacks etc. Thank you for giving me a starting position.

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